Collateral loans are easier than you think. There are no credit checks, no reporting to credit agencies and, most importantly, no legal consequences if you default. Simply bring your item(s) to us and we will evaluate your jewelry, diamonds, watches, gold, silver flatware, or coins and present you with a loan value while you wait. If you decide to accept the loan, a ticket will be issued containing a description of the item, the loan amount borrowed and a due date. There is an additional grace period at the end of the loan period. During the loan period you maintain ownership of your item. At the end of the loan period the borrower has 3 choices:
1. Redeem the item by paying the amount of the loan and interest charges
2. Pay the interest and renew the loan for a new loan period
3. Surrender the item
Interest rates are fixed by the California State and are among the lowest in the country.