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      Contact Us

      Gems N' Loans Pawn Shop

      Our Mission is to be the Best Pawn Shop in California. We have been in business for over 25yrs, with five locations and growing. We love building lasting relationships by providing amazing customer experiences. We are here to shatter your expectations of what a pawn shop should be.

      We separate ourselves from the competition with our beautiful stores filled with the highest quality items, on-site GIA certified Gemologists, highly trained and incredibly friendly staff who create exciting and memorable experiences for every customer. We also specialize in unbeatable cash options, buying and selling gold, precious metals, diamonds, jewelry, designer handbags, luxury watches and other high-end items. Come experience how Pawn Shopping should be.

      Learn More

      Check out our latest YouTube video “Good Morning GNL | Ep. 1 | Gems N Loans Podcast”

      Click Here

      • Electra B.
        Had a very great experience with friendly and welcoming customer service from Laidy and Lucy!! Thank you guys a ton and totally recommend this pawn shop for items!!
        Electra B.
      • Linda G.
        Brendin was very helpful in helping me make my decision I will return very happy with my purchase
        Linda G.
      • Ambie D.
        Amazing customer service.. staff is supper helpful and very kind. This Is The place For Best Loan services around.. Thank You Gems N Loans
        Ambie D.
      • Pepper W.
        I've been dealing with these people for a number of years and I must say, that their "customer service" is above excellent!!! All the 'girls' are friendly, knowledgeable and ready to help. If you're looking to buy, trade in, get a loan....whatever? THIS IS THE PLACE TO GO!!!
        Pepper W.
      • Carmelita N.
        Customer service is amazing! Had the pleasure to work with Val and Melissa today, super helpful with all my needs. I will continue doing business here recommend them 100%! Thank you!
        Carmelita N.

      Sell Your Items

      Get cash today for your items. No hassle or red tape. We love buying the following:

      Jewelry, Electronics, Computers, Art, Handbags, Luxury Items, Designer Items, Coins and much more. Click the link to fill out our form and we will give you a quote on how much you can get paid today.

      Get Quote

      Are You Looking For The Best Pawn Shop in California?

      At Gems N’ Loans, we offer a variety of jewelry, gold, and cash options to suit your financial needs. Our company has been serving North County San Diego and Riverside County for over 25 years in this capacity. We offer customer service like no other shops around. Our employees take ownership in their service to our customers, that is seen in their quality and care. Our pawnshops are located in Oceanside, Vista, Escondido, Temecula, & Dana Point.

      We have been proudly serving north county for over 25 Years, while providing the community an outlet from where they can obtain financial assistance. We also like sharing and giving back to our community through volunteering and charitable donations. We are also proud to provide extremely competitive quotes on pawns and OUT OF THIS WORLD deals on jewelry for sale.

      See Our Services

      How To Get Cash For Your Items

      GNL is the best pawn shop in the area for fast cash. We welcome a variety of types of collateral, which will be stored under strict surveillance. There are no credit checks or other approval process other than the value of the collateral!
      We are aware of the needs of our clients and do our utmost to offer the best terms in our cash agreements. There are no penalties against your credit score or any reporting of any kind.
      Our goal is to be your favorite pawn shop, that can cover your immediate needs. You can count on our service to help you be more confident in tomorrow!
      Please see attached Corrective and Preventive Actions (CAPA) Notice to the Public for possible charges associated with pawning your items. Please note that these rates are subject to change. Charges will vary based upon your item(s), please see store for further details and pawn options. While servicing our customers and communities for over 28yrs, we look forward earning your business.
      Gems N Loans does not have a minimum or maximum period for repayment.
      I don't feel lucky
      5% Discount
      FREE Diamond Earrings
      Next time
      BOGO on a Designer Watch
      10% Discount
      FREE Watch Battery
      No Prize
      20% Discount
      Almost!
      50% Discount
      No prize
      FREE Jewelry Cleaning
      Get your chance to win amazing prizes!

      Enter your email address and spin the wheel. This is your chance to win amazing prizes and discounts!

      Our in-house rules:

      • One game per day.
      • Two chances to spin the wheel per game.
      • Cheaters will be disqualified.