This fall, it’s time to rediscover what’s hiding in your jewelry box. Pieces you once loved, items you’ve inherited, or jewelry that’s fallen out of style could be worth more than you realize. At R&J Jewelry & Loan in San Jose, CA, the team of expert jewelers and gemologists specializes in helping people uncover hidden value in their belongings. Whether you’re considering selling, seeking a loan, or simply wanting to restore a treasured piece, R&J has been the community’s trusted partner since 1978.
Gemology Meets Genuine Care
What makes R&J Jewelry & Loan stand out is their commitment to both expertise and honesty. With a GIA-certified gemologist on staff, evaluations go far beyond surface-level guesses. Every diamond, gemstone, or piece of estate jewelry is examined with precision. The gemologist considers cut, clarity, color, and carat weight, along with craftsmanship and history.
That means you don’t just get a number pulled from thin air—you get a thoughtful evaluation grounded in real knowledge and care. Customers leave with the confidence that their jewelry was respected and properly valued.
This is especially important for family heirlooms or estate jewelry. These pieces often hold emotional significance in addition to financial value. At R&J, both aspects are considered. Their evaluations aren’t just about the weight of the gold or the sparkle of a diamond; they also account for uniqueness, design, and history.
A Transparent Process from Start to Finish
One of the most stressful parts of selling or pawning jewelry is wondering whether you’re being treated fairly. R&J Jewelry & Loan makes the process clear, open, and easy to follow.
Gold purity tests are done on-site, so you know exactly what you have.
Spot pricing and market conditions are factored in, so you can see how your offer is calculated.
Transparent conversations explain what adds value to your piece—whether it’s gemstone quality, rarity, or the reputation of the designer.
This straightforward approach ensures that customers walk away with peace of mind, not second-guessing their decision.
Quick Cash When You Need It
Sometimes, life throws curveballs, and financial flexibility becomes a priority. That’s where R&J’s services really shine.
If you have unwanted or broken gold jewelry, R&J will make you an offer based on purity and weight. Even small items—like single earrings, broken chains, or out-of-fashion rings—can add up to significant cash.
And if you’re not ready to part with something permanently, there’s another option: pawn loans.
Pawn Loans: Secure, Fast, and Confidential
A pawn loan is a short-term loan where you use an item of value—like jewelry, gold, or watches—as collateral. At R&J Jewelry & Loan, this process is simple, discreet, and secure.
Here’s how it works:
You bring in your item for evaluation.
R&J offers a loan amount based on its value.
You receive cash immediately, and the item is safely stored.
Once you repay the loan, you get your piece back.
It’s an excellent solution for people who need fast access to money but don’t want to sell a beloved item outright. Unlike traditional loans, there are no credit checks, no invasive questions, and no long waiting periods. Everything is handled with privacy and professionalism.
Beyond Gold: Estate Jewelry and Luxury Items
While gold and diamonds are common choices for selling or pawning, R&J Jewelry & Loan welcomes a wide range of valuables.
Estate jewelry: Vintage rings, antique necklaces, or unique family heirlooms are evaluated with care, factoring in both precious materials and craftsmanship.
Designer handbags: High-end brands like Louis Vuitton, Chanel, and Gucci can be turned into instant cash if they no longer fit your style.
Luxury watches: From Rolex to Tag Heuer, timepieces are carefully assessed for authenticity, condition, and market value.
By accepting more than just jewelry, R&J gives customers greater flexibility in how they unlock the value of their personal assets.
Repair and Restoration Services
Not every piece brought into R&J is destined to be sold or pawned. Sometimes, a treasured ring simply needs resizing, or a favorite necklace has a broken clasp. The jewelers at R&J specialize in repairs, cleanings, and even customizations.
A piece that looks dull or damaged can be transformed, bringing back its original sparkle. This not only restores beauty but can also increase the piece’s value, should you ever decide to sell it in the future.
A Family Legacy of Trust
Founded in 1978, R&J Jewelry & Loan has deep roots in the San Jose community. As a family-operated business, integrity and trust are central to their philosophy. Over the decades, they’ve built lasting relationships with generations of customers who rely on them not just for transactions, but for ongoing care and service.
Their reputation rests on:
Fair and accurate evaluations
Clear communication
Commitment to confidentiality
Respect for every customer and every item
This combination of professionalism and genuine human connection makes R&J much more than just a pawn shop—it makes them a valued community partner.
Real Stories, Real Value
Imagine Sarah, who inherited a 14k gold ring. It wasn’t her style, but she wasn’t ready to let go of it. She took it to R&J, where the gemologist confirmed its purity and explained its value. Sarah decided on a pawn loan, giving her quick access to cash while keeping the ring safe. A few weeks later, she repaid the loan and had her heirloom back in her hands.
Or consider John, who owned a Rolex watch he no longer wore. When unexpected expenses came up, he brought it in. After a fair evaluation, he received a loan that carried him through the month. The process was private, stress-free, and gave him control over his own assets.
These stories reflect the heart of R&J’s mission: helping people use what they already own to create financial breathing room.
Why Choose R&J Jewelry & Loan?
Customers who walk through the doors of R&J quickly learn that it’s not just about buying and selling. It’s about building trust and providing options. Here’s what sets them apart:
Expert gemologists and jewelers who offer knowledge-backed evaluations
Transparent and fair offers, grounded in real market data
Confidential pawn loans, free from credit checks and unnecessary hurdles
Repair and appraisal services, keeping your jewelry in top shape
A wide range of accepted items, from gold and diamonds to luxury watches and handbags
Decades of trusted service as a family-run, licensed business
Wrapping It Up: Your Jewelry, Your Options
This fall is the perfect time to take a fresh look at your jewelry box. Whether you’re downsizing, need quick access to cash, or simply want to breathe new life into old pieces, R&J Jewelry & Loan is here to help.
From expert evaluations and repair services to pawn loans and gold buying, they offer a complete suite of services designed with care, transparency, and integrity. For over four decades, San Jose locals have trusted R&J as more than a pawn shop—they’ve trusted them as partners in turning valuables into opportunities.
Your jewelry holds stories, history, and value. With R&J Jewelry & Loan, you can unlock that value while knowing you’re in the hands of true professionals.