Jewelry and Gold Collateral Loans in San Diego
Get a no-credit-check loan secured by jewelry, watches or other items we buy. Meet one-on-one with our specialists for a free verbal appraisal.
Borrow against jewelry, gold, diamonds, watches and other eligible valuables at San Diego Jewelry Buyers, 907 6th Ave in downtown San Diego. A collateral loan lets you borrow while we hold the item; you get it back when you repay according to the agreement.
A designer label is not required for genuine precious-metal jewelry. Bring a ring, chain or other piece for evaluation, including unbranded or broken gold. The loan amount depends on the item and its assessed value.
Serving San Diego since 2006, with 50+ years of combined experience. BBB A+ rated.
Choose the loan information that fits your item
- Jewelry loans: rings, chains, estate and designer pieces.
- Gold loans: gold jewelry, coins and bullion.
- Watch loans: discuss your watch and available documentation.
What happens during a loan visit?
- Bring your item and a valid government-issued photo ID. Boxes, receipts or certificates can help if you have them.
- We evaluate the item and discuss the amount available. Ask for the complete cost, repayment dates and redemption terms in writing.
- Decide after reviewing the agreement. We hold accepted collateral until redemption under its terms.
There is no credit check. See the loan terms and questions below, or call (619) 236-9603 to discuss your item. If you already have a loan, call the team for your account's exact payoff or due date.
Ask About a Collateral Loan
Call (619) 236-9603 or Send an EmailFor more information about the items our San Diego pawn shop accepts as collateral, browse the categories under Sell to Us in the site navigation, or call us to discuss your item. We are Southern California's favorite jewelry buyer, gold buyer, and luxury pawn shop. Read about our collateral loans for small business owners here: small business loans.
To say San Diego Jewelry Buyers is your typical pawn shop is like saying Patek Philippe is a typical wristwatch. Our customers know the difference.
Listen to What Our Customers Have to Say
Discuss Your Collateral Loan
Call (619) 236-9603 or Send an Email Below.Compare selling and borrowing
If you want to keep your item, start with our gold loan guide, jewelry loan information or watch loan guide. The evaluation, amount and written terms depend on your item.
For selling education instead, read our guide to selling or pawning jewelry and questions to ask a gold buyer. Selling-price examples in those articles are not loan amounts or lending percentages. More articles are in our Knowledge Center.
Want to keep your silver? Read our silver collateral loan guide for the item details to prepare and the written terms to discuss with our team.
A collateral loan lets you borrow against a piece instead of selling it. You keep ownership, we hold the item in the vault, and you get it back when the loan is repaid. There is no credit check and no credit reporting, because the item is the security, not your score.
| Term | What it is |
|---|---|
| Minimum loan | None. We write loans of any size. |
| Maximum loan | None. Large loans need a day's notice so we can arrange funds. |
| Credit check | None, and nothing is reported to a credit bureau. |
| Standard term | 4 months. You can redeem the item early at any time. |
| Interest | Typically 5% per month. The exact rate depends on the amount, the item, your history with us and the situation, so we quote it on the piece. |
| Writing fee | $50, one time, at the start of the loan. |
| Storage fee | 1%, which includes insurance on the item. |
| Where it is kept | A climate-controlled vault. Items on loan are never displayed and are not handled by staff or customers. |
| Funding | Same day. Cash, check or wire. |
How much does a collateral loan actually cost?
Interest is typically 5% per month, plus a one-time $50 writing fee and a 1% storage fee that includes insuring the item. Our fees are capped and posted openly, which most pawn lenders do not do.
Because the rate moves with the amount, the item and your history with us, we quote it against the actual piece rather than off a chart. Ask and we will tell you the full cost before you sign anything.
What happens if I cannot repay on time?
We do not want to foreclose and we work hard not to. If a loan comes due and we have not heard from you, we make thorough attempts to reach you and look for a way to work with you. Foreclosure only happens when we cannot make contact and cannot find a workable arrangement.
A large share of our best reviews come from loan customers who were in a difficult spot. If you are worried about a payment, call us before the due date, not after. If the loan is not repaid under its agreement, you may lose the collateral.
Will my loan amount be the same as an offer to buy my item?
Not necessarily. Selling transfers ownership, while a collateral loan lets you reclaim the item when you repay under the agreement. We evaluate your piece and explain the available options. A purchase offer, insurance appraisal or retail asking price is not a loan offer; compare the actual amount and complete written terms before deciding.
What can I borrow against?
Jewelry, diamonds, watches, gold and other precious metals, and designer handbags. If it holds value and we can authenticate it, we can usually lend on it. Bring it in for a free verbal appraisal and we will tell you what we can do.
Do I need anything to get a loan?
The item and a valid government-issued photo ID. California law requires the ID. Boxes, papers and certificates help establish value if you have them, but they are not required.
Reviews
Anthony Zamonis took excelent care of me. If you go ask for him. He is great. 10/10. Thanks AntMan 🐜
View Google profile ↗The owner Kevin is hands on and very accomodating. He is fair with his dealings/prices. All the staff are friendly and helpful.If you want to buy jewelries or sell yours, visit their place.They sell some Rolexes and branded bags as well in their store.I highly recommend it.
View Google profile ↗Great people , very welcoming . Don’t hesitate to do business these guys !
View Google profile ↗
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- Since
- 2006 · 20 years
- Rating
- A+ BBB Accredited
- Appraisal
- Free, verbal, in person
- Service
- One-on-one with our specialists