Alternative Payday Loan Oceanside

When seeking an alternative financing option, the key point to look out for, are the terms and interest rates. While short term payday loans require a paycheck and bank access, they can also provide the expedience desired in desperate times. This seems fine until the borrower is unable to cover the next paycheck deduction deficit. It often creates what referred to as revolving door scenario.

This doesn't mean there aren't alternative methods available for those that might need a close to risk free advance. While collateral lending is nothing new and has been around for at least 3000 years, it in modern times has become a transparent means of getting a cash loan in Oceanside and surrounding areas.

Gems N' Loans offers a model that only requires an article of value in exchange for the cash to borrow. The least desirable scenario would be losing the valued item, should the loan not get repaid. However, this leaves your following paycheck unscathed, and a larger window of time to pay back the debt. With interest rates as low as 2%, it is an opportunity to avoid perpetual debt cycles.

Oceanside Jewelry and Pawnshop Near the Coast

Pawn Shop Oceanside News!

Near the coast our jewelry and large selection of jewelry and musical instruments can be seen in our large inventory. We have new and pre-owned items ranging from electronics to tools.

Gems N’ Loans Oceanside has Jewelry &offers collateral loans or will buy your items. We buy gold! We will pay you top dollar for your jewelry, musical instruments or any item of value. We are your local source for quick and convenient cash. 

The first thing one notices when visiting any one of the five Gems N’ Loans locations is how clean and welcoming the stores feel – closer to a jewelry store than a typical pawn shop. Gems N’ Loans prides itself in creating a professional and inviting environment, and also in being very selective about the items it carries. 

By policy, the stores will not buy or sell weapons or junk, and much of the higher-end jewelry that they sell is certified by the Gemological Institute of America. All locations stay open until 7 p.m., seven days a week, in order to offer their customers as much flexibility as they may need to access the products or services they require. 

Employees are exceptionally friendly, knowledgeable, and highly professional, which is all a reflection of the surprisingly rigorous process by which they are selected and trained. In a business that serves people who are often in less-than-ideal circumstances, having employees who can work well together and understand the customer’s needs is crucial. 

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Bargain Pawn - Pawn Shop - Oceanside California

Regardless of the reason, there will come a time in most of our lives when we are in need of fast cash, we may have to get a loan or sell something of value to help us get through a tough time. A reputable pawn shop, such as Gems N' Loans, can be a good solution to your quick cash needs.
We pride ourselves in offering a fair market value for your items as well as a full understanding of today’s market place.
 
 “North County’s largest public gold dealer” Your gold is evaluated, tested and weighed in your presence on scales certified by the County of San Diego. Don’t deal with the “fly by nights.”


Trade in your old, unwanted, or broken gold and platinum jewelry and save even more on anything you buy! We pay the highest prices in North County for your gold and platinum no matter its age or condition. Online and mail-in gold buyers have been identified as dishonest. Sell gold and platinum at one of our 4 locations to a business that has been in town for over 20 years, has an A+ rating with the Better Business Bureau, has GIA certified Accredited Jewelry Professionals (AJP), Graduate Gemologists (GG) and Graduate Jewelers (GJ) on staff to assist you. 

Oceanside Jewelry - Gems N' Loans

Oceanside Jewelry, located Oceanside is a full service jeweler providing all jewelry services in house by Our master jeweler will create the jewelry of your dreams! Trained and certified by the Gemological Institute of America (GIA), his creativity is evident in the fabulous custom designs he has created for our many satisfied customers.

We Pay Cash For Gold, Jewelry And Diamonds!

Thank you for visiting our page! We are a full service jewelry store serving North County for over 22 years. We pay cash for gold and jewelry. We do our repairs on site as fast as possible so you can get on with your day. Much of our work is done using cutting edge laser technology to give the best results.

Garnets - January Stone of the Month

A new month brings a new Stone of the Month. The Stone of the Month for January is Garnet.

Garnets are adored for their dark red and brown tones and are a very good gift for a winter fashion piece. Garnets are considered to be the protective stone of travelers and when given symbolize ones love and desire for the safe return of another. The garnet is found all across the world having been discovered in Africa, Australia, India, Russia, South America and in the United States, in Arizona and Idaho. It is most commonly found in it's deep red form but does exist in other colors from yellow to orange, Rosy pinks to lime greens and violets. It's rich colors are caused by it's mixes of iron, calcium, and manganese.

There are many myths surrounding the garnet. There is a Greek myth which links the garnet to the story Persephone, the goddess of sunshine who was kidnapped by Hades, god of the underworld. Hades eventually did release Persephone, but first he offered her some pomegranate seeds, which ensured her return to him. There is also one Biblical legend is that Noah hung this gem on the ark so that it could light his way throughout the dark and stormy nights of God's wrath across the great sea. 

The Garnet tests a six point five to seven point five on Mohs scale of hardness. It may be necessity to have your Garnet Jewelry buffed every five to ten years to keep it looking at it best quality. Not all Garnet is gem quality however and much of the Garnet that is mined is used for commercial purposes. Garnet jewelry is fairly common and is the perfect gift for any January birthday.

Here at Gems N' Loans we take our gems seriously and garnet is no exception!