Thursday, September 13, 2018

Searching For Jewelry Along the Coast in Oceanside

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No matter what the occasion, diamonds are brilliant and women find them irresistible. A wedding ring is no longer a wedding ring if it isn’t a diamond ring these days. A simple diamond bracelet or diamond earrings adds sophistication to any look.  Even heirlooms that are passed down through the generations, can remain the most valuable piece in any woman’s collection, and, because they hold our diamonds so dear, many women shy away from buying theirs secondhand. However, the most obvious reason to buy diamond jewelry second hand is that it costs less. Diamonds are expensive and prices are rising. You can get quality diamond jewelry from a pawn shop in Oceanside for a fraction of the price you would pay retail.  This means you can get a higher quality diamond for your price range.

Gems N’ Loans has a professional jeweler on hand willing to help you customize what you may already own, or what they have in stock. Your gold can be melted down and your diamonds put in a setting that you love. You will have a beautiful custom piece without paying retail prices.

Monday, September 10, 2018

Oceanside California's Payday Loan Alternative

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The benefit of cash loans Oceanside given by pawn shops, are that they short term loans. If you need money for a very short period, you can repay the loan quickly as well. The interest rates can also go as low as 2%.

Unlike other institutions, they do not put your future salary at risk by claiming against your future pay checks. Most importantly, they do not require any credit checks, and use your item of value as collateral rather than you next pay check. Payday advances might wind the borrower up in perpetuating pay back mode making it difficult to catch up.

The entire process is extremely fast and easy to do. Paperwork is minimal and you will not need to share your pay stubs.


Learn more here!

Thursday, August 30, 2018

Check In to A Cash Loans in Oceanside

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Serving the U.S. Armed Forces requires many sacrifices. It can be tough on service members, veterans, and their household finances. Fortunately, military service members and veterans who need a loan have several borrowing options open to them when searching for cash.

Payday loans might wind up turning into a constant circle of paying back the first loans leaving the most recent paycheck short every pay period.

Pawn shops in Oceanside exist almost entirely for that reason. They serve as an asset to the community that they are in to help their customers through particularly rough moments of financial hardship.

Of course, there are other things that pawn shops do, such as buy and sell merchandise for instance, but the primary core of their day-to-day operations is working with people who want to make short term cash loans and use their items or possessions as collateral to secure that loan.

The loans that Gems N’ Loans make are called pawn loans, and when you make a pawn loan, you will end up getting cash right on the spot for whatever the loan amount was for.

Wednesday, August 29, 2018

Money Doesn’t Grow on Trees Cash Loans Oceanside

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When you plant a tree, add water and sunshine, and wait some years, a bigger tree that can possibly grow fruit will produce a certain amount of fruit yearly. All you have to do is walk up to the tree and pick the fruit off its branches. It's easy to do, you can gather as many as you need, and it tastes great too.

However, unlike fruit on trees, money is something that is not always so easy to come by. If you run out, you can't simply take a trip to the tree in your backyard and gather cash from it, as if it were fruit. In fact, to earn money, one has to work hard at their job, and even when one has money, they have to be careful about where they spend it because it's a limited resource. Thus this phrase is used to remind people, especially kids, that money is a finite resource and is not easy to come by, therefore, it doesn’t grow on trees. The term traces back to the late 1800’s.

This not to say that cash loans in Oceanside are dependent upon farming yields or coconuts falling from above. The idea that collateral loan can provide the necessary capital when in a bind. Pawn shops also have some of the lowest interest rates and more flexible than payday advance shops.

Learn more here!

Friday, August 24, 2018

A Pawn Shop in Oceanside For a Ride

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Have you ever felt like you wanted nothing more than to be taken for a ride along a beautiful beach while on vacation. Veronica Cabrera was visiting from Uruguay, when she wanted nothing more than to rent a bicycle for her San Diego vacation. While looking for a bike rental shop she stumbled upon a pawn shop while in Oceanside. She realized buying a used bike no hassle was less than a rental. To her amazement, she was able to sell back the bike before returning to her country.

Pawn shops usually have great selections of quality bicycles for amazing prices, and unlike electronics and jewelry, it's usually pretty easy to tell just by looking whether or not a bike is a legitimate brand name or is in good, working condition.


Learn about our leisurely beach rides here!

Tuesday, August 21, 2018

Are You Pawn Shopping The Right Way?

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If you are in need of some quick cash, have an attic or basement full of items that are of significant value, you might consider heading to a pawnshop in Oceanside. You could walk away with money in your pocket, however, novices should learn the ins and outs of how these transactions work before they even enter the shop.

Pawnshops aren’t the shady, scary places they often appear to be in the media, and have been unjustly vilified, therefore,  people perceive pawnshops to be dirty and seedy. This is not the case with Gems N’ Loans. They have been in business for over 25 years and are here to serve your needs to the best of their capacity, in an honest way.

Pawnshops offer collateral-based loans — meaning the loan is secured by something of value. You take in something you own, and if the pawnbroker is interested, he will offer you a loan. The pawnbroker then keeps your item until you repay the loan. The loan amount will likely be a small fraction of the item’s actual value.

Return to pay the balance, including the loan amount plus all added fees, which are as low as 2% before the deadline, which is usually 1 to 4 months after the initial transaction.

Monday, August 6, 2018

Better Than Payday Loans in Oceanside

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If you didn’t already know, unlike payday advances, pawning your valuables doesn’t require you have a good credit score. Most pawn shops in Oceanside only care about the value of the item to secure the loan. They need to see that you have a reliable source of income to ensure that you can buy back your item within the allotted time period.

Payday cash loans that go unpaid, go to collections and can sue you. This forces you to collect the debt you own anyway. This results in negative credit marks that can remain on your credit report for more than seven years at the least.

Should one decide to go for a paycheck advance, they get your loan based on how much your household earns per month. Some states even limit the amount of money you can borrow from lenders. Some of these can be as low as $300, which often won’t be enough to get you out of a pinch, an often times leaves the borrower playing catch up to pay the last loan never getting ahead.

Pawn brokers cans lend you money based on the value of the collateral item.
Gems N’ Loans offers interest rates as low as 2%. If you have a necklace worth at least $1,000, you can potentially get up to a $600 loan out of it.

Monday, July 30, 2018

The Most Useful Tools for Pawn Shops Oceanside

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How did a violin that was bought at a pawn shop for $50, end up being worth about 5,000 times that.

At a place similar to Gems N' Loans Oceanside, had no idea what they were buying when they paid for the Ferdinando Gagliano violin, which was handcrafted in 1759 and is worth $250,000. The store manager was quoted saying that the bows alone are worth $16,000 to $18,000.

According to the police in that area, they said the violin was stolen during a house break-in and has since been returned to its rightful owner, and the seller had no criminal record and they’re still investigating.

You never know what you arguing to find at a pawn shop. Pawn broker is interesting and often accumulates heirlooms and antiquities that are historic in value and conversation. Most pawn brokers are through and sure to vet the merchandise coming in to hurt stores, to ensure they aren't stolen.


Find out if you have a valuable treasure in your collection!

Monday, July 23, 2018

The Best Pawn Shop Bargains


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Are you wondering how a pawn loan works? If so, they are easy to obtain and understand. Pawn shops in Oceanside offer loans that are a quick and easy way to borrow money without a credit check or hassle.

Gems N' Loans are based on the value of your collateral, not your credit rating or pay schedule. Subject to individual state laws, a typical pawn loan may have a term length of 30 days plus a 30 day grace period.

If for some reason, you are unable to pay back your pawn loan in full, including any applicable grace period, we offer extensions/renewals to give you extra time. You may also choose to surrender your collateral as payment in full.

The best bargain in a pawn shops is obtaining quick capital to cover your needs.

Thursday, May 24, 2018

The Ultimate Cheat Sheet on Pawn Shop Oceanside

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A good rule of thumb when it comes to pawn shop and pawnbrokers is that they have to know how much they are able to sell something for before they know how much they can buy it for or loan against it. Pawnbroking is one of the oldest businesses in existence today. It’s been around for centuries and in all of that time, while the items pawned may have changed, the basics have pretty much stayed the same.

One of the next major things that pawn shops will do when determining how much they can pay someone for an item is when they bring it into their stores is look to see what similar used items are selling for on Amazon. Regardless, shopping at Gems N' Loans in Oceanside has been known to offer many bargains and a wide selection on Gold coins.

Learn more!


Friday, April 13, 2018

Pawn Shops and Bargains in Oceanside

 Journey Along the Coast for Deals!

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There are a variety of items you can find good deals on at pawn shops, including antiques and vintage valuables. Pawn shops in Oceanside sell deeply discounted electronics, fine jewelry, musical instruments and an array of collectibles or antiques that can net high prices in their respective niche markets.

This kind of diverse inventory has everything to do with a pawn shop’s business model. At Gems N’ Loans, their jewelry prices are normally about half of what you would pay retail and the quality is just as good. Some people may have an issue with buying “used” jewelry, but isn’t almost all jewelry “used” in some way, shape, or form? Diamonds are removed from one diamond ring and placed on another, where gold is melted and re-formed into new jewelry all the time.


Learn about our custom engagement rings!


Wednesday, March 7, 2018

Oceanside Pawn Shop For Jewelry

Pawn Shop or Jeweler for Your Engagement Diamond

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People often ask the question about whether shopping for a diamond at a pawn shop in Oceanside or with a jeweler is better. We have decided to write an answer to most of the questions often asked.


People might ask about buying a possible engagement ring in a pawn shop but don’t know what to look for. For example, they might ask how can I tell if its a good diamond and whether I can fix it up to look like its brand new, so my girlfriends won’t know I bought it in a pawn shop.


You will want to come prepared, so I recommend buying your own loupe if you are going to purchase from pawn shops.  It also provides the added benefit of making you look more experienced, which may deter the broker from trying to take advantage of you. However, at Gems N’ Loans Oceanside, the staff are friendly and have 25 plus years assisting in the very task and questions being presented in this story.


Most couples, when going to pawn shops, are looking for a ring that is either very simple or has beautiful old interlaced details. I encourage couples to look at the un-attractive rings for their diamonds. We have seen some horrendous old rings with nice diamonds in them.


Whatever you do, don’t ignore rings that aren’t so appealing, because they often have some of the best diamonds that can easily be incorporated into new design by the master jeweler, again being again more cost effective.


We were able to custom design a light airy ring to show it off. The whole family will be surprised at how pretty you ring will be after re-purposing the older ring that might have been in safety deposit box for years.