We Offer a Simple Solution for a Temporary Financial Problem
Learn how much money your jewelry, watches, diamonds, coins or luxury handbags can get you at Elite Jewelry and Loan. We provide you with quick cash on your luxury assets and you can choose between a loan or selling your valuables outright.
We Have The Lowest Interest Rate In The Valley!
Simple Steps to Obtain a Jewelry Collateral Loan
Bring the item(s) to be used as collateral and a government-issued ID
Professional evaluation by our GIA trained staff
Competitive quote based on market value
CASH on the spot
Your valuables are safe and secure with us
Pick up your item anytime before the 90-day period or pay the interest to extend
Why Elite Jewelry and Loan?
- Experts in the jewelry and lending business for three generations
- CASH on the spot
- NO credit check
- Short term 90-day loan
- No payment required for 90 days
- Extend your loan by simply paying the interest
- NO limit on the number of loans
- Extensive knowledge of diamonds, coins, and precious metals
How Does Collateral-Based Lending Work?
Collateral-based lending works like this: You as a client are given an appraisal amount for the value of any fine jewelry piece or other valuable item you bring in to have assessed.
One of our expert appraisers at Elite Jewelry and Loan will tell you what the loan value of your item is, and then share how much money we can loan you for your item. Loan appraisals on items are of no cost to you, and there is no obligation to enter into a loan contract.
Your collateral loans at Elite Jewelry and Loan can be as short as 1 month or as long as you choose provided that interest is paid every 90 days. Unlike other lending companies, at Elite Jewelry and Loan we do not have hidden fees. It is simply 10% interest each month.
Example: If you have a loan for $100, the fees are only $10 per month. If you redeem your loan at the end of the 90-day period, it is only $130.
Frequently Asked Questions
What Types of Jewelry Will You Lend Money On?
We lend money on a variety of different fine jewelry items, including diamond engagement rings and wedding sets, fine jewelry necklaces, estate jewelry pieces, gold and precious stone bracelets, earrings and more. We even loan money on fine jewelry pieces that are broken or not working properly.
How Do You Determine the Loan Value of My Item?
All of our staff members are GIA certified. Certification by the Gemological Institute of America (GIA) is recognized worldwide as the industry standard for objectively and accurately assessing the four "Cs" of a diamond: carat, color, clarity and cut.
What Items Do I Need to Bring?
You'll need to bring your collateral item and a government issued ID that contains a photo, such as a passport, a state-issued driver's license or a state-issued identification card. If you have any paperwork for the item such as a certified appraisal or certificate of value, it is helpful to bring those items as well.
What if I Can't Pay Back My Loan?
We understand circumstances change. We can in many cases extend your loan term for an additional 90-day period as long as you are able to pay the interest due. If you need to relinquish your item as payment, you will not be obligated to pay any additional fees and we will never report non-payment to a credit reporting agency.
I Have Bad Credit/No Credit; Can You Help?
At Elite Jewelry and Loan we don't check your credit, nor do we base your loan amount on your past credit history. Instead, we base your loan amount on the value of the asset you are submitting as collateral. If your local bank is unwilling to lend you the money you need, we can help by giving you a secured loan based on the value of your asset.
Make Payments Remotely
Live far away? No problem! If you are unable to come into our store to make a payment, you can provide a payment remotely through our MobilePawn app or through a secure text messaging system. Please call or text us at 480-699-6639 and we will assist you.
Ready to Get Started?
Bring your valuables in today for a free evaluation. Our GIA certified staff will provide you with a fair and competitive loan offer. No appointment needed.
Contact Us Today