How to use a Pawn Shop to your advantage for a loan in San Jose.​

R & J Jewelry

There are several options for instant cash loans in San Jose Pawn Shops. At R&J Jewelry and Loan, you may find our rates, service, and specialty can be of advantage for your financial needs. During this time when economic conditions are up and down, people may need quick cash. R & J Jewelry and Loan is here to help.

Did we get your attention? Are you now wondering how you can use high-rated pawn shops to your advantage for a loan? San Jose Pawn Shops, like ours, specializes in fine watches, luxury purses, jewelry, silver, gold, and vintage jewelry.

Instant Cash Loans in San Jose Pawn Shops.

Saving your Valuables Instead of Selling Them

Have you looked in your drawers, closets, and boxes in the garage? How about that jewelry box on your dresser? Are there valuables you can use for a collateral loan instead of selling them when you need quick cash? Use your valuables when you need to secure funding for the short term. Depending on your circumstances, selling your luxury watches, diamond jewelry, musical instruments, or valuables may be a hard thing to do. In this case, you can leverage a pawn shop loan to borrow cash against your item(s) without having to sell them. It’s a win-win for everyone.

How Does A Pawn Shop Loan Work?

A pawn shop loan is a collateral loan. In San Jose, CA 95122, you bring in an item you own to us here at R & J Jewelry and Loan, show us a valid identification, and we give you an offer based on the current market value of your item. We offer some of the best collateral loans and our process is transparent. After we make an appraisal and offer and you have agreed on a price, you are given the funds, and the item is stored securely at the pawnshop during the loan term.

Once the agreed-upon term (typically 4 months in California) which includes the principal amount and any fees is paid in full, you leave with your item(s). There is no need for a credit check.

Using Your Collateral Instead of Using Your Personal Credit

By using an item you own as collateral instead of using a credit card or bank loan you are protecting any effect on your credit score. Pawn Shops don’t report to the credit bureau nor do they do credit checks.

By using a Pawn Shop Loan in San Jose, you can take advantage of the collateral you own by borrowing against it to fulfill your short-term financial needs.

Walking you through a scenario:

It’s Saturday and you are perusing pawn shops in San Jose. There it is… a nice new Louis Vuitton. You have to have it. You know that in two months, you’ll be receiving a bonus from work and be able to pay it off. Your credit usage is high, and you are closing on a house in nearby San Jose and you can’t use your credit card.

By using your collateral, your Rolex, for a loan at R&J Jewelry and Loan, you then get the cash you need to get the new purse. In two months your check arrives, you pay the loan off, and close on the house without using your personal credit.

Why Choose R&J Jewelry and Loan in San Jose

In California, there are several leading pawn shops providing cash loans. The majority of these pawn shops are part of the California Pawn Brokers Association. In San Jose, we are the top rated for all luxury loans near the other bay area pawn shops. In addition to writing pawn loans, we buy sell gold, rare coins, high-end watches.

R&J Jewelry and Loan is a family-owned establishment, first opening its doors in 1978. Since then, we have built our reputation on personalized service and an extensive selection of fine jewelry, watches, and designer handbags. We strive to set ourselves apart from other pawn shop businesses by offering the best cash offers.

Saratoga CA Luxury Watch Appraisal Best Patek Philippe Buying Service Launched

Not all Pawn Shops are the best place to sell.

While some may be great, and others not so great it is important to find a fine watch buyer who knows the trade.

Here at R&J, we are experts in watches and pay top dollar for them.

Just like some mechanic shops specialize in specific vehicles, this goes the same for Pawn and Watch stores.

At R&J Jewelry and Loan, we specialize in luxury goods, specifically fine high-end watches. Our team of experienced buyers will give you an offer on your watch within the hour, so there’s no need to wait around all day.

You can also get a free appraisal if you want more information about your timepiece before selling it. If you have a pre-owned Patek Philippe luxury watch, bring it in to our store near Campbell, Monte Sereno, and Saratoga, California.

We have a location San Jose, and focus on helping sellers get the best possible price on classic and modern watches. And with over 20 years of combined experience in the industry, we know how to get you the most cash for your timepiece.

Online watch appraisal service


We truly are here for all your needs as a seller, loan or buyer of fine watches.

Because of demand, we recently expanded our services to customers in Campbell, Monte Sereno, and Saratoga, California,

We also has services available for  Rose Garden, Silver Creek, Cambrian Park, Willow Glen, Cupertino, Almaden Valley, Evergreen, Santa Teresa, Los Gatos, Santa Clara and San Jose

Swing on by or send us a message to find out why we are the best place to get your luxury watch appraised. We offer fair, accurate, and same-day cash offers on all major luxury brands of watches.

Watch valuations can be impacted by several factors. These include the availability of original packaging and proof of purchase, styling, rarity, overall condition, band material, the year of manufacture, clasp type, and current demand.

watch appraisal online

Did you know sellers who provide the original packaging and proof of purchase will receive a better quote on their watch?

This is also true for used watches with diamonds or precious gems. In the event a customer does not wish to sell their beautiful watch, R&J Jewelry and Loan also provides customer-friendly, affordable collateral loans on luxury watches.

Our family-owned pawn shop in San Jose is committed to providing customers with private and secure valuation and instant payment for expensive watches. In addition to Patek Philippe, our store accepts watches from Vacheron Constantin, Hublot, IWC, Richard Mille, Rolex, and Audemars Piguet.

Our discreet service will ensure that your privacy is protected at all times. You can trust us with any brand or model of watch because we have been in business for over 20 years!

Established in 1978, R&J Jewelry and Loan is among California’s leading pawn shops for luxury watches. Our family-owned store also accepts designer handbags such as Louse Vuitton’s, gold bullion, wedding and engagement rings, platinum coins, and other precious metals.

You will always get paid more if you have the original box, certificates, hang tags, and accessories. Contact for a watch appraisal form and get a price fast. An appraisal watch appraisal online service that gives you your money back if you don’t get a sufficient offer!