Wednesday, December 12, 2018

Oceanside's Best Check Cashing Pay-day Alternative

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Are payday loans an expensive trap? Will I be robbing Peter to pay Paul? In other words trying not to make a desperate move to fix a financial problem, something that often makes it worse.

Payday loans are essentially an advance against your next paycheck. You give the payday lender your pay stub as proof of income and tell them how much you want to borrow. They will then give you a loan for that amount, where you are expected to repay when receiving your next paycheck.

A great advantage of a pawn shop loan is that it is easy. You are simply going to have to take something in that you can use for collateral and fill out some paperwork. The pawn broker is then going to give you a receipt that has the terms of the loan on it.

Another positive factor is that Gems N' Loans Oceanside  are not going to check your credit. This is a type of in house loan that does not depend on your credit history.

The loan is secured completely by the collateral that you provide to the pawn shop. Therefore, the lender is not really concerned with whether you default on the loan or not.
 

Wednesday, November 28, 2018

Pawnbrokers Report Increase in Retail Sales but Eye Online Competition

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The NPA announced today the results of the NPA 2017 Trend Survey. The survey, which was conducted in early 2018, focuses on industry trends as reported by pawnbroker members of the NPA for the 2017 calendar year. The NPA has compiled survey results since 2013 to explore long range trends and their implications.

Pawnshops are always trying to innovate and keep up with current trends. With retail growth is on the up, pawnbrokers are cautious of the future due to the success and rapid proliferation of competing online retail operations, such as Amazon, Google Ads, Facebook Marketplace, and eBay. 

Collateral pawn loans are the core of a pawnbroker’s business,and continue to successfully offer a platform from where borrowers can visit a brick and mortar location for a one on one experience. Gems N' Loans in southern California offers locations to the North County San Diego, Temecula and Orange County.

Monday, October 1, 2018

What Your Mothers Rings and Diamond Jewelry Have in Common

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Often times we are looking for some change or we seek style out of necessity. Buy a wedding rings from a jeweler in Oceanside a can often get expensive, especially when you seek the style and look that include diamonds.

Heirloom jewelry might not always fit the style you are looking for, however, more often than ever it can include diamonds for re-purposing or design the ideal ring for your engagement or wedding vows. Just because the design is out dated, it doesn't mean the diamonds go bad or can't be polished and set all over.

Gems N' Loans in Oceanside can find the commonality between your mothers old  rings and the diamonds of the present and future! Whether you seek the decorative detail of Art Nouveau or Rococo, you can always find modern design from their master jewelers as well.


Thursday, September 13, 2018

Before You Take a Payday Loan in Oceanside Read This

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When looking for fast cash, a pawn loan is a secured loan, meaning you put up an item of value as collateral for the loan. for example, items like jewelry or electronics would suffice as collateral of value. The amount of the loan will vary based on state regulations and the collateral you pawn of course.

Ultimately, the loan that you are approved for will be a percentage of the item’s value after the lender accounts for storage, security and other costs. Repayment terms are typically from 30 days to a couple of months. If you default on the loan, you risk the item being sold to cover the balance. However, some pawn shops offer extensions in order to help the borrower in these cases where they might be running late.

A payday loan is a short-term, high-interest loan, generally for $500 or less, that’s designed to bridge the gap between paychecks. The quick cash infusion is nice, but when you apply for a payday loan, you may wind up getting more than you bargained for.

As the Consumer Financial Protection Bureau notes on its site, these loans are typically for small amounts but give lenders access to your checking account or require you to write a check for the full balance in advance, which the lender can deposit when the loan comes due. Also keep in mind that the payday loans carry sensationally high interest rates, with some costing as much as 400%.

Learn more about collateral loans here!

Friday, June 15, 2018

The Wealthy In Oceanside Are Using Pawn Shops


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Wealthy people looking to fund new ventures are turning to their Rolexes and art collections as collateral for quick and easy loans from high-end pawn shops.

The handful of lending companies tapping into the trend let their affluent clients take quick thousand-dollar or million-dollar loans with high-end collectibles as collateral. That's far greater than the average loan size of $150, according to the National Pawnbrokers Association. Business owners say the way the luxury goods-backed loans are growing points less to the financial distress associated with pawn shops and more to seize money-making opportunities.


Gems N' Loans in Oceanside California offers discreet financial planning options and collateral lending options. Whether it involves an investment in gold coins or bullion, the ease of access and reliability is more appealing  than dealing with other financial institutions.

Monday, March 5, 2018

Coastal Jewelry Discovery

You Don't Always Need A Metal Detector

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You've probably seen them during your trips to Oceanside, sweeping the gadget back and forth along the water, ears covered with headphones, eyes scanning the sand while wondering what exactly they're looking for. Finding treasures can be fun. Most vacationers cover themselves liberally with suntan lotion and bake under the sun, so their hands swell, then, when they go to cool off in the water, their fingers shrink.

Now you don’t have to go through this to find you treasures and jewelry. The best pawn shops like Gems N’ Loans, offers an air conditioned environment along with helpful service. When you are new to the coast and looking for the best deals and cash loans for your vacation, you won’t need a metal detector, so look no further.


Come visit us here!

Thursday, November 9, 2017

The Best Bargains at Oceanside Gems N' Loans

How to Maintain Composure During Black Friday

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First thing to do is decide how much you can afford to spend on the holiday season. Figure out your must haves, like gifts or household purchases you've been saving up for. Calculate the maximum amount you absolutely can't go over. Don't forget to account for holiday incidentals like office parties and micro beers!

Braving the crowds to get an exclusive deal? Black Friday shopping in store can be a test of anyone's patience. While crowds might not reach mythical levels, you can still expect longer wait times. However, only stores in highly populated areas will host huge crowds. Gems N' Loans may only have a rush when stores open.

Pawn shopping in Oceanside can be an exciting experience in itself. We offer a variety of jewelry, gold, and personal loans to suit your financial needs. Our company has been serving North County San Diego & Riverside County for over 23 years in this capacity. We offer customer service like no other shops around.

Join Us Here!