Updated February 22, 2017

James Allen Review: Is It Good?

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Thinking about buying an engagement ring from James Allen? Read this in-depth review to learn the good and the bad.

James Allen
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Overall Score

4.3

Price

4.5

Selection

4.0

Data

4.5

Customer Service

4.0
5-point scale (the higher, the better)

Pros and Cons

  • 360 degree HD video for every diamond
  • Competitively priced with good selection of diamonds
  • Large selection of setting options
  • Limited selection of super ideal cut diamonds

Bottom Line

Good online diamond retailer with 360 degree HD videos

A Winning Combination

Congratulations! You found the girl you want to spend the rest of your life with. Now the next step is finding the perfect engagement ring.

We are huge advocates of shopping for an engagement ring online. You get a much bigger selection and cheaper prices.

At the same time, we understand that it can be really scary to make such a huge purchase online. You're dropping thousands of dollars on something you can't even see in person or hold in your hand. Not only that, but the ring is a symbol of your love and promise of a future. So you want to make sure it's perfect.

James Allen understands the importance of this purchase and provides an unmatched online diamond shopping experience to make you feel as good as possible about your purchase.

James Allen is our top recommended online diamond retailer for several reasons:

  • They've been in the online diamond business for over 10 years.
  • They offer 360-degrees HD videos of the actual diamond you'll be purchasing (many other sites don't).
  • They have a wide selection of diamonds and settings to choose from. And have 24/7 specialized customer service to help you pick the perfect engagement ring.

In this review, we'll go into more detail about why you can shop with confidence at James Allen. We'll also give you some situations in which you might want to consider another diamond retailer.

What Makes James Allen Unique

Of course, there's no perfect online diamond store. But James Allen comes pretty darn close.

It's hard to sell diamonds online. Retailers often have to sacrifice in one area or another. For example, the popular Blue Nile has a huge selection because they source from all over the world. But the downside is that you won't see actual photos of the diamond you purchase. On the other end of the spectrum, small retailers stock their own diamonds and can provide exceptional data. But as a result, they have a much smaller selection.

But James Allen excels in both of these areas. It offers a good selection and detailed images.

  • Selection: James Allen has over 75,000 diamonds in 10 different shapes. It even has about 2,000 fancy colored diamonds. Every single diamond is GIA, IGS or IGI certified.

    It also has a decent selection of sapphires, rubies, and emeralds, if you want a gemstone instead.

  • Source: James Allen sources its diamonds from nearby suppliers in the New York area. It sends out staff members to take stunning HD videos of every diamond on the site.

    Even though James Allen doesn't stock its own diamonds, each one is examined by their in-house experts before it's shipped to you.

  • Quality: James Allen offers diamonds at every point along the spectrum. You'll even find the perfectly cut, completely colorless and flawless stones we'd never recommend to anyone because of their cost. But we think this is a good thing. Since you can see each and every diamond, you can find the most affordable stones that look flawless.

    They even have an exclusive line of ideal cut diamonds called TrueHearts. This means that the diamonds have an arrow pattern when seen from above and tiny hearts when seen from the side, indicating perfect optical symmetry.

  • Conflict-free : You can also feel good about your purchase. Every diamond from James Allen is conflict-free and procured through legitimate means.

Why We Like James Allen

Let's take a more detailed look at what makes James Allen such a standout.

360-Degree HD Videos of Each Diamond

Though you can't examine each diamond in person, James Allen provides you with the next best thing.

James Allen uses their trademarked "Diamond Display Technology" to provide true-to-life, 360-degree, HD videos and images of every single diamond in their collection.

View each diamond from every angle.
View each diamond from every angle. Screenshot from James Allen Website

This is actually even better than looking at diamonds at a local store because you can zoom in up to 20x to view the diamond in stunning detail. You'll be able to clearly see any flaws on the surface of the diamond. This makes shopping at James Allen an exceptional experience.

Tip: If you create a free account, you can even access a "super zoom" feature. This allows you to examine the diamond as if you're using the tools of a professional jeweler. You get 5 free SuperZoom images.

Most engagement ring sites only offer a description of the 4Cs (cut, clarity, color, and carat) and the price. They use a stock photo for illustration purposes only, so you'll receive a diamond that matches those characteristics but not that actual diamond. In other words, you are buying the diamond sight unseen and taking a risk that the diamond could be not quite what you expected.

Related: Don't Get Ripped Off: the 4Cs and Buying a Diamond for Best Value

No two diamonds are alike. Even if they have similar grading, they can look very different. When you can see the actual diamonds, you can cherry pick the perfect one.

You Can Find Eye-Clean Diamonds for Less

Because most other sites don't offer photos of the actual diamonds, many people feel like they must choose a higher quality stone to play it safe. Therefore, they end up spending more.

But when you're able to see such clear pictures, you can look for cheaper, lower quality diamonds that are eye-clean.

Let's take a look at this example:

Screenshot from James Allen Website

The diamond on the left is 0.97 carat. It has a color of G, clarity of VS2 (small imperfections), and an excellent cut. It costs over $6,000. But thanks to the HD video, you can see the black flaws scattered throughout. There's a good chance this diamond may not be eye-clean.

The diamond on the right costs $1,000 less and is slightly over 1 carat. The clarity grade is lower at SI1 but you can barely detect any flaws even at 20x zoom. You can see from this example how you can pick a lower quality diamond that looks better and is cheaper.

You would never know which diamond was truly eye-clean without the magnified videos. Now you can start to understand how important it is to be able to "see" the diamond.

This is especially important if you're shopping for a fancy cut diamond (i.e. not round). Shapes such as oval, pear, and marquise have a bow-tie effect. This is a dark shadow caused by light blockage, which you can only see through visual inspection.

For example:

For example, the oval diamond on the left costs over $5000 and has an undesirable large bow-tie effect. The diamond on the right costs almost $1000 less and has an effect that's very minimal to none.

Again, there would be no way to know this without the photos. You need to be able to spin the diamond around to view all angles.

You can spend your time picking the perfect diamond on James Allen. The diamond you select will be the actual stone you receive, so you can feel confident that you know exactly what you're getting.

Tip: Iif you're not sure, you can get a Real Time Diamond Consultation with a customer service rep (available 24/7). This feature is the first of its kind in the online diamond industry. You can review the specs and compare diamonds with an expert in real time.

Endless Setting and Customization Options

James Allen's diamond selection may not be as vast as Blue Nile's, but it makes up for it with more setting choices. You can also customize with gemstones. James Allen offers blue, pink, and yellow sapphires, red rubies, or green emeralds.

You can design a fully-customized ring with over 500 setting options in a range of metal materials.

They also offer free engraving for most engagement rings, so you can add a personal message to your design as well.

If you're clueless about jewelry, you'll probably find the process of designing your own ring daunting. Have no fear, though, because James Allen walks you through it, step by step.

If you know nothing about settings, you narrow your search by selecting from the simple illustrations or looking through the hundreds of options. Each setting also comes with a 360-degree HD video. Just keep in mind that super customized settings can take a few weeks to ship.

Screenshot from www.jamesallen.com/

If you want to choose your diamond first, James Allen will then show you the settings they have that fit that diamond. You can also design other pieces of jewelry such as earrings and pendants, either with diamonds or one of the five gemstones.

If you want to choose a setting first, the website will then automatically take you to the next step by showing you diamonds that match it.

Tip: If you don't see a setting you like, James Allen can work with you on a custom design. Of course, you would have to purchase the diamond from them as well.

If you have a loose diamond from somewhere else, James Allen can set it for you in one of their settings.

James Allen

24/7 Customer Support

So what if you've looked at the website and are still confused?

James Allen's customer service representatives are available 24/7 to help. Each rep has received specialized training and are available around the clock to offer expert advice.

You can get a Real-Time Diamond consultation while navigating the site. You can even screen-share with a rep, so they can see exactly what you're looking at. They will review the specs with you and help you compare diamonds.

Tip: You can request free Idealscope images (which examine light performance) for up to three diamonds. This feature is not offered by most diamond retailers.

Flexible Financing

Sometimes, it's just not possible to buy an engagement ring in cash. If this is your situation, James Allen offers two financing options:

  1. No interest for 6 months: This is good if you have a solid plan to pay off the amount in 6 months. However, if can't manage to do that, you'll be charged a very steep interest, currently 28.99%. The interest is assessed from the purchase date, so watch out.

  2. 9.9% interest for 2 years: A more attractive offer might be the 9.9% interest rate on the 2-year payment plan. With this, you'll have a full 24 months to pay off the balance.

In our experience, such financing options can work out if you are diligent about the terms. But more often than not, consumers end up with a big balance of interest charges at the end. A more practical solution could be to sign up for a low interest credit card and take advantage of a 0% APR introductory period and a lower APR when that time comes to an end.

If you have the cash and want to save a few bucks, you can pay via wire transfer. James Allen offers a discount of 1.5% off the listed online price if you do this. This could be a good amount in savings, but you also have to factor in the what your bank may charge you to make the transfer.

Another issue to consider is the sales tax. James Allen does not collect sales tax unless you live in Maryland or New York, where its offices are located. Sorry, Orioles and Yankees fans.

Returns/Upgrades/Diamond Buyback

  • Returns: James Allen offers a 30-day money back guarantee (effective January 1st, 2015) for your satisfaction. This gives you a decent amount of time to pop the question (and hopefully get the "yes", of course).

  • Warranty: You get a comprehensive, lifetime warranty that covers cleaning, polishing, prong tightening, rhodium plating, and other maintenance (though you'll have to pay for shipping costs).

  • Upgrade options: If your financial situation improves after a few years and you want a bigger rock, James Allen has a lifetime upgrade policy as well. You can swap out your diamond for a new one as long as it's at least 2X the value. In exchange, you get a 100% credit for the value of the original stone.

  • Diamond buyback: James Allen no longer offers their two-year buy back policy as of January 5th, 2016.

James Allen Compared to Traditional Retailers

In our opinion, James Allen has the edge over traditional retailers. Here are some reasons why:

  • Wider Selection: James Alllen has over 75,000 diamonds on their site. Your local store will not have this many options in stock to choose from. If you are looking for something specific, you'll have limited choices. This mean you may have to compromise on quality and/or budget. But James Allen has a ton of choices at every price, shape, and size.

  • Ability to see magnified videos: In many ways, this is even better than viewing diamonds at a store. If the jeweler isn't very trustworthy, he may not even let you examine the diamonds under a magnifying glass. Also, on James Allen, you can sign up for a free account and examine up to five diamonds with 360 Super Zoom. This feature allows you to view the diamond as if you're holding a professional jeweler's loupe.

    Screenshot from James Allen Website

    See flaws with the 360 Super Zoom feature (sample diamond here)

  • Ability to request Idealscope images: You can request up to three Idealscope images for free on James Allen. It's a good idea to do this after you're down to your final three diamond choices. These images show the light performance of the diamond, so you can choose the best one. Most jewelers at traditional stores do not have Idealscope images, and untrustworthy jewelers may refuse to show you them even if they do.

  • Cheaper prices: Since James Allen is an online store and does not stock their own diamonds, they save a lot on overhead. This allows them to offer better pricing to customers. In our internal research, we've found that for diamonds with the same characteristics, James Allen's prices are as much as 40% cheaper than physical diamond stores'.

  • Browse in peace: Shopping from the comfort of your own home means you can spend hours browsing at your leisure. No pressure to buy, no pushy salespeople, no up-sell.

James Allen

James Allen compared to Blue Nile

Now that you understand a little bit more about James Allen, you should at least know what your other online diamond retail options are.

James Allen and Blue Nile are at the top of the online engagement ring game. Let's compare the two so you can decide which one is the better fit for you.

 

James Allen

Blue Nile

 

Benefits and Features

SelectionInventory sourced from local diamond suppliersLargest selection of online diamonds, sourced from suppliers around the world
DataGrading report, 360-degree HD video
Grading report
Return PolicyIf you are not 100% satisfied with your purchase, you may return it in its original, unworn condition within 30 days for a full refund or exchange. Free return shipping only applies to U.S customers and is limited to three per customer.30-day money back guarantee. You will pay for shipping and insurance fees. Items must be in their original purchase condition, including all product documentation.
WarrantyJames Allen warrant that all items will be free from any manufacturing defects at time of delivery. James Allen will repair and maintain your jewelry for a lifetime. Lifetime warranty offers free prong tightening, re-polishing, rhodium plating and cleaning services.Lifetime manufacturer warranty. Terms and exclusions apply.
Buyback Diamond buyback program through Mondiamo based on market value.
Customer Service
24/7 customer service
24/7 customer service
ResizingAll engagement rings and wedding bands, excluding eternity bands and alternative metals, may be resized once for free within the first 60 days of purchase.Blue Nile provides complimentary resizing for Build Your Own Rings®, and Diamond Bands when within the manufacturer's recommended sizing range, during the first year.
Upgrade PolicyAny loose diamond purchased from James Allen can be exchanged at 100% credit for any replacement diamond of at least 2X or greater value. The diamond that is being upgraded must be in original condition and accompanied by the original laboratory grading document.Lifetime diamond upgrade program on all GIA and AGSL graded diamonds. You will receive credit equal to 100% of the original price toward the purchase of a new diamond. The price of your new diamond must be at least twice the price of your original diamond. Your diamond must be in its original condition with the original diamond grading report.
Price
Selection
Data
Customer Service

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

We zeroed in on specific areas that are most important to ring buyers:

  • Price: Both online retailers offer more competitive pricing than traditional brick-and-mortar jewelers. Blue Nile operates on a lowest price business model. They even offer a Diamond Price Match Guarantee. But there are some strict terms and conditions involved.

    James Allen doesn't offer price matching, but their rings are already affordably priced. Sometimes, you may even be able to find a comparable ring for less than what Blue Nile charges.

    For example, we searched for a 1-carat, Princess-cut diamond on both sites. We used Clarity: VS1, Color: G, and Cut: Very Good. With these specs, Blue Nile's diamonds started at just under $5,000. On James Allen, comparable stones were priced between $500 and $700 less.

  • Selection: A quick search of James Allen turned up 75,000 diamonds and over 500 setting choices. A similar search on Blue Nile found 198,000 diamonds but only about 300 settings. Both retailers offer other fine jewelry as well, including pendants and earrings. James Allen has the edge when it comes to gemstones. But if it's pearls you're after, you'll find those at Blue Nile.

    Both jewelers don't actually own the diamonds they sell. James Allen gets their stones from local New York diamond suppliers, while Blue Nile works with wholesalers from all over the world.

  • Diamond preview: James Allen definitely wins here. On Blue Nile, you're browsing through a list format that only includes the stone's 4Cs. On James Allen, you're browsing based on actual photos. Each diamond has a 360-degree view, so you see exactly what you're getting. You can also request up to 3 IdealScope images for an even more detailed examination.

  • Customization: We think James Allen has the edge in this area too. Both sites allow you to design your own ring, but James Allen has more options when it comes to settings and metals.

    If your sweetheart prefers something other than a diamond, creating a customized ring may be difficult with Blue Nile. The retailer offers only pre-set gemstone engagement rings. James Allen lets you design your own, using blue, pink and yellow sapphires, red rubies, or green emeralds.

  • Service: Both companies have great reviews for their customer service. Both James Allen and Blue Nile have representatives available to answer questions and handle problems by phone 24/7.

In regards to policies, here's how the two compare:

  • Refunds: Both offer a 30-day guarantee for refunds or exchanges. But Blue Nile does charge you for shipping the ring back, while it's free with James Allen.

  • Warranty: Both offer a lifetime warranty. Blue Nile's warranty covers manufacturer defects but doesn't apply to normal wear and tear or accidental damage. James Allen's warranty covers cleaning, polishing, prong tightening, and rhodium plating for maintaining white gold. It also covers the loss of side diamonds.

  • Complimentary resizing: Blue Nile offers complimentary resizing for customized engagement rings during the first year. James Allen only gives you a 60-day window to have your ring resized at no charge.

3 Reasons Why You Might Prefer Blue Nile

Still not sure? You may be better off shopping with Blue Nile if any of the following applies to you:

  1. You want more selection: James Allen has a large inventory, but it's just a fraction of what you'll find on Blue Nile. As long as you don't mind just seeing a list of stones (vs a 360-degree interactive view), you're going to have more choices in your price range with Blue Nile.

  2. You want to lock in the lowest price: James Allen may be hundreds or thousands of dollars cheaper than a traditional jeweler, but you're not necessarily guaranteed to get the lowest price. If scoring the absolute rock-bottom price is a priority, Blue Nile's Diamond Price Match Guarantee may sway your buying decision.

  3. You need some time to think it over: If you spot a diamond you like on James Allen, you'll have to act quickly to nab it. Blue Nile, on the other hand, lets you reserve a specific diamond for up to 48 hours. You have a bit more time to mull it over and shop around before you buy.

Frequently Asked Questions

  • Why James Allen is cheaper?
    James Allen doesn't stock their own diamonds. Instead, they get them from local suppliers around New York. This means they don't have expensive retail locations to pay for and they aren't paying interest on the diamonds sitting on their shelves. This allows them to cut overhead costs and offer better pricing.

  • Is James Allen reputable?
    James Allen is legit. Many shoppers report positive experiences with James Allen. All James Allen diamonds are 100% natural and untreated. The diamonds are certified by either Gemological Institute of America (GIA), American Gem Society (AGS), or International Gemological Institute (IGI).

  • Does James Allen charge sales tax?
    James Allen collects sales tax on orders shipped to Maryland and New York.

  • Are James Allen diamonds conflict free?
    Yes, every diamond on James Allen's website is certified conflict-free. James Allen only works with vendors who are members of the professional diamond trade who procure their diamonds through legal sources.

  • Does James Allen have a store?
    Yes, you can stop by the showroom to try on rings if you're in New York. The showroom is located at the heart of the NYC diamond district at 551 Fifth Avenue, 6th Floor, Suite 601.

  • Are the diamonds inspected?
    Every diamond is inspected by James Allen's in-house experts before being shipped to you. This ensures that you are getting the exact diamond you ordered.

  • Does James Allen offer discounts?
    If you pay by wire transfer, you will receive a 1.5% discount on your entire order.

  • What if I order the wrong size ring?
    James Allen offers one free ring resizing within 60 days of purchase. But please note that not all rings can be resized, such as eternity bands and tension settings.

  • Where does James Allen ship and what are the shipping costs?
    James Allen ships to worldwide for free, no matter what the order amount is. However, international customers will be responsible for any duties, VAT, or taxes charged by their country.

Bottom Line

James Allen understands that buying a diamond online is tricky, so they go the extra mile to make you feel confident about your purchase. Their 360-degree HD videos have revolutionized the way people shop for diamonds online. Add in their great pricing, liberal return policy, and lifetime guarantee, and you're doing well to shop at James Allen. Most importantly, buying an engagement ring online through James Allen can give you confidence about what you'll get with the final product. Hopefully, that will trickle over into a happily-ever-after proposal.

James Allen

Rebecca Lake is a journalist at CreditDonkey, a diamond jeweler comparison and financial education website. Write to Rebecca Lake at rebecca@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped young adults make savvy financial and lifestyle decisions. (read more)

Disclaimer: Opinions expressed here are those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

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