About Us

Gems N Loans is proud to be a family and Veteran owned business serving Escondido for over a decade. We pride ourselves on being a cherished part of this community. The secret to our success has been our dedication to crafting a Pawn Shop experience like no other. While many pawn shops have the look and feel of a thrift store, Gems N Loans breaks those concepts and replaces them with an exceptional experience that only we can provide and only our customers understand. This begins with our remarkable staff and pursuit of the ultimate guest experience with every interaction. Part of that experience is being honest, friendly and fair with each guest that walks through our doors, creating the perfect place for anyone looking to loan, buy or sell.

We offer superior merchandise. High end items such as Gucci, Louis Vuitton, Rolex, Chanel and many others are always found in our collection. Looking for a Louis Vuitton Keepall or Neverfull, how about a Rolex Submariner or Daytona. These are just a few of the items we offer daily. Not only are they in our collection, but they are fractions of the cost of retail.

Along with offering luxury items like handbags and watches, we carry an almost unsurpassed collection of jewelry. Diamonds, rare stones and more are always available. Jewelry shoppers are always shocked when they see our GIA certified stones for sale at a fraction of the cost of your average jewelry store. We keep GIA certified Gemologists on-site for consultations, appraisals, jewelry repair and more. We even offer custom jewelry design. So, if you can’t find what you are looking for, we can easily have it made. You wouldn’t believe how many customers, after a single visit, swear off shopping at a jewelry store ever again.

Along with the luxury items, jewelry and diamonds, we also carry a huge selection of electronics. Get the latest Apple products, computers, gaming systems, televisions, laptops, stereo systems and more. Our inventory is always refreshing, so our customers have learned the first pawnshop rule…”if we don’t have it today, wait a week, it will be in.” And it is astonishing how often this rule works. Need a certain kind of computer or iPad, check back in a week or so and the odds are we found it in one of our locations. We hope it is evident by now that we offer a lot of options for you to buy…and we didn’t even mention the huge selection of gold and silver coins, musical equipment, tools and more.

But if you don’t want to buy anything, then why not sell some stuff? We will buy almost anything you are looking to sell. Feel free to bring your items to any of our locations and our highly trained staff will provide an honest and open evaluation so you can get paid cash today.

Need cash today? We understand the need for immediate financial assistance. Many times, good people need a small loan for a short amount of time. These types of loans are almost impossible to get through a bank. We proudly offer amazing same-day equity loans to those in need and actively work to create financial solutions that make sense. Some people can’t get approved for loans due to previous situations. At Gems N Loans, we won’t even check your score. We are not here to pass judgment; we just want to help. No hoops or hidden fees, just the fast cash you need. And with over 26yrs of experience, we help thousands each year get back on the right financial path, and we would love to help you as well.