Finance engagement ring: Generally, applying for engagement ring finance is fairly simple. Shop around for a lender who offers prequalification, so that you can get an idea of how much you could be approved for and what your options are across offers from different companies. Once you’ve identified a lender that you feel comfortable with, they will help you complete the application process for engagement ring financing. Just don’t lose sight of the fact that prequalification is not approval, and that the terms you agree to in the long run might vary slightly from the ones used for prequalification. Read additional information on bad credit engagement rings financing.

Carat weight is sometimes expressed in “points”. These are percentage points of a carat where one point equals 1/100th of a carat, so 25 points is equal to a quarter of carat and 50 points is equal to half of a carat. In early times diamond weight was also compared to grains of rice. Four grains of rice were equal in weight to a carob bean. Diamond dealers still use the term when referring to general sizes such as “three grainer” for diamonds in the .70-.79 ct range, or “five grainer” for diamonds in the one and a quarter carat range. Cost, which is sometimes referred to as the 5th C, is to some extent driven by rarity factors that don’t impact diamond beauty to any meaningful extent. Please see these helpful guides on the effects of diamond clarity and diamond color grades on diamond beauty.

Many diamonds in stores and online will already have a GIA grading report, which you can ask to see prior to purchasing. Your diamond’s report should also be given to you once you complete your purchase. Do “GIA certified” diamonds cost more? Again, “GIA certified” is really a misnomer for GIA graded diamonds. There’s a false notion that GIA diamonds cost more, often based on comparing diamonds by price tag alone. The price of a diamond, a car or any other item of value is tied to quality. If you can’t be sure of the quality you’re getting, how do you know if you’re paying too much or getting a good deal? That’s why it’s important to compare prices for diamonds that have the same 4Cs quality characteristics and whose qualities have been accurately and objectively graded by the same independent laboratory like GIA. Having a diamond graded by GIA is not expensive. GIA charges as little as $48 for a grading report for a diamond weighing 0.70 ct to 0.99 ct, and as little as $80 for a diamond weighing 1.00 ct to 1.49 ct. (Most jewelers factor grading fees into the price of the diamond.) Considering that couples spent an average of $6,351 on an engagement ring in 2017, the cost of a GIA diamond grading report is a small price to pay for peace of mind.

The renowned and expensive gemstone diamond has both advantages and disadvantages. Diamonds are valuable because they are rare and expensive. The most valuable diamonds are colorless, internally flawless stones, yet even slightly included or colored diamonds are stunning. Tradition: Engagement rings and other jewelry have a romantic feel because of the long-standing use of diamonds in them. Because to its hardness, diamond is resistant to chips and scratches.

It works similarly to anything else you might want to ring finance-first, you would determine the amount that you would need to pay and apply for that. If your diamond engagement ring financing application is approved, you would use that money to buy the engagement ring. If you choose to use a bank for your loan, the approval process might be a bit longer. It’s easy to finance an engagement ring with the use of a loan.but you have to be very careful in the consideration of your financial setup, and what your personal preferences are. The best advice would be to have a look at all financing options, so that you can make an informed decision.

One of the most remarkable aspects of lab-grown diamonds is their indistinguishable quality from their Earth-mined counterparts. These diamonds exhibit the same chemical, optical, and physical properties as natural diamonds, boasting exceptional clarity, brilliance, and durability. In fact, even trained gemologists often struggle to differentiate between lab-grown and mined diamonds without specialized equipment. This parity in quality has led to a growing acceptance and appreciation for lab-grown diamonds among consumers and jewelers alike.

What Is Different Between White Sapphire And Moissanite? White sapphires and moissanite are practical and affordable alternatives to diamonds that are becoming increasingly popular in engagement rings and other jewelry. However, they each have their own unique characteristics and qualities when comparing them. So what’s the difference between white sapphire and moissanite? White sapphires and moissanite are known for their colorless appearance, although impurities may lead to slight discoloration. Moissanite surpasses white sapphire and diamond with regard to overall brilliance. In terms of sparkling, moissanite has a refractive index of approximately 2.65-2.69, while diamonds are about 2.42, and white sapphire’s refractive index is lower than both. Moissanite has a higher refractive index and fire than diamonds and white sapphires, creating a unique rainbow “disco-ball” effect. In contrast, white sapphires typically exude a subtle, soft sparkle, making them a good choice for those who prefer an understated look.

Today, moissanite is exclusively grown in laboratories as an alternative to diamonds. Created in a controlled environment with advanced technology, it is easily traceable and requires no mining. This means moissanite has a smaller carbon footprint and lessened environmental impact than a naturally mined gem. Increasingly popular as an alternative to diamonds, moissanite is now widely used in jewelry, especially as the center stone of engagement rings. Professionals grow them in laboratories because they are visually similar to diamonds, but compositionally they’re quite different. Diamonds are composed of carbon and moissanites are composed of silicon carbide.

Store-based financing : Many jewelry stores offer in-store financing for engagement rings. With this choice, you can spread the cost over several months or years, making it more affordable. The interest rates and fees for in-store financing could be higher, though. You may have seen an online advertisement about internet financing on how easy it is to avail in just a few clicks after downloading the app. You can get an engagement ring through online financing with lower interest rates, longer repayment terms, and fewer fees. Nonetheless, you need to conduct your research to select a reliable lender. Know your budget before buying an engagement ring. Also, try to understand that it is your responsibility to pay the amount monthly. So before buying, do your research and calculate interest rates.

Price and value – Diamonds are more expensive and less rare than moissanite. For those on a tight budget or looking for a larger stone, this makes it less expensive. Even now, diamond is more expensive and may retain its worth better. Ethical concerns – Some people favor moissanite because they have ethical issues about the diamond industry. In conflict areas, “blood” diamonds are mined to support armed conflict. A synthetic gem free of unethical issues is moissanite. According on the buyer’s preferences and desires, moissanite may be preferred. Some people adore the timeless beauty and worth of diamonds, while others choose the distinctive sparkle and reasonable price of moissanite. Find extra information on https://beverlydiamonds.com/pages/financing_available.

Princess Cut Diamonds: Modern and Stylish – A princess-cut diamond might be perfect if your partner has a more modern and stylish taste. Princess cut diamonds are square or rectangular, with pointed corners that give them a unique and contemporary appearance. They are a popular choice for engagement rings and are often used as the center stone. With their unique sparkle and modern look, princess cut diamonds are an excellent choice for those who want a diamond that stands out.

Because moissanite is not a commodity like gold or diamonds, its value is not fixed while being sold. The quality, cut, and market demand at the time of sale have the most impacts on a moissanite’s resale value. Moissanite Resale Value? If you intend to sell your moissanite jewelry, there are several ways to raise its resale value. Verify that you have the authenticity certificate, any necessary receipts or other papers, and any further information needed before starting. This will guarantee the stone’s quality and provide potential consumers assurance that they are purchasing a quality product. Have your moissanite jewelry professionally cleaned and polished before you sell it, is the second piece of advise. As a result, it will look finer and fetch more money when it is sold again.

Moissanite is a beautiful gemstone and a gorgeous alternative to the traditional diamond engagement ring. While moissanite is rare in nature, most moissanite available in jewelry markets today is grown in laboratories. This gemstone is both sustainable and ethical, as it does not have the same carbon footprint or environmental impact as mining. It’s worth mentioning that moissanite can provide you with a larger and highly durable ring on a budget and has remarkable brilliance. Moissanite is one of the most sought-after alternatives to diamonds, making it a popular choice for engagement rings and wedding bands. There are a number of reasons why moissanite rings are a good choice for most couples.

We are a family-oriented company that treats everyone as one of its members. Our dedication has led to an increasing number of team members that provide personal support to consumers. We work as a team but most importantly, we see ourselves as one big, happy, and well-functioning family.

Never be afraid to ask the hard question when it comes to choosing the right gem for your engagement ring. Not all of us require a diamond, and some of us want one but would definitely prefer an option that doesn’t break the bank. So, what questions should you be asking? Is a moissanite ring the way to go? Or is a lab grown diamond center stone the best fit for your budget and personal preference? We’ll walk you through all there is to know about moissanite and lab grown diamonds to help make your choice an easy one. What Is Moissanite? Moissanite has a different chemical makeup from natural and lab created diamonds. While a diamond is pure carbon, moissanite is both silica and carbon. As a result, Moissanite sparkles differently, more even, and is slightly less hard than diamond. However, it does look nearly identical to a diamond!

The significant reduction in environmental degradation and the absence of conflict typically associated with diamond mining are compelling selling points that resonate with today’s ethically conscious consumers. Additionally, the ability to offer these high-quality diamonds at a fraction of the cost of mined diamonds due to lower production and sourcing costs has made them an attractive option for a broad demographic, from luxury seekers to budget-conscious shoppers. This trend is not just a fleeting movement but seems to be a durable shift as younger generations, especially, show a strong preference for brands and products that support environmental stewardship and social responsibility. The rise of lab-grown diamonds is also facilitated by technological advancements that ensure high-quality gems are produced with minimal environmental footprint. These diamonds are created in controlled laboratory environments that mimic the natural growth process, resulting in gems that are physically, chemically, and optically identical to mined diamonds.