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.

Buying, Selling or Pawning Luxury Watches in San Jose / Cambrian Park and Fine Watches

Anjose Cambrian Park Ca Vacheron Constantin Luxury Watch Buyer

If you're looking to sell or get loan on a luxury watch, we would love to help you out at R&J Jewelry and Loan in San Jose, CA.

Recently, James Marsden said,

 “I’ve always loved watches my whole life. When I was growing up, I always thought of having a great watch as that next step – of making it, of a rite of passage.

I remember when I got my first watch. It signified that I was leaving childhood and becoming an adolescent, with all its unspoken responsibilities and freedoms. Since that time, I’ve found myself noticing the watches other people wear.  I have owned several timepieces myself; wearing, buying, collecting, and selling several throughout the years. 

Considering what I might do with all the watches I’ve collected over time; I discovered R&J Jewelry and Loan. This family-owned pawnshop buys and sells pre-owned luxury brand watches and offers collateral loans with competitive interest rates. The team at the shop continuously receives training to enhance their competence in “knowing” luxury watches, making their appraisal service one of the best in the area. “

At R&J Jewelry and Loan, Audemars Piguet, Patek Philippe, Rolex, Hublot, Vacheron-Constantin, Richard Mille, and IWC in proper condition are always welcome. If you are needing a little extra cash for your timepiece? Bring in the original certificate, hang tags, box, and accessories and get a fair offer based on current market prices.

The knowledgeable owner and his team will appraise your watch and give a fair loan or instant cash offer. They pride themselves on being good at what they do and exceptional watch buyers. A representative of the shop said: “Simply put, we believe that if we pay the most and only make a little money on each deal, our business will grow and customers will spread the word about how we operate.”

Maybe you just want to look around the store and add to your own collection of luxury watches. Come by and visit with the knowledgeable team, they may have just what you need. 

When times are tough or you’re simply cleaning up your treasure chest of vintage collectibles, selling your luxury watch may be a creative solution. Using the services at R&J Jewelry and Loan puts you a step ahead and gives you the best chance of getting the highest possible offer for your item. The shop has integrity, the team is knowledge, and process is transparent. You can walk in and get through the process in no time at all. R&J Jewelry and Loan provide exceptional service and guarantee you will leave with a smile.