About Us

Gems N Loans is proud to be a family and Veteran owned business serving Oceanside for over 26yrs. We pride ourselves on being a valued part of our community. The secret to our success has been our dedication to creating 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 assumptions and replaces them with a superior experience that only we can provide and only our customers understand. This begins with our amazing 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 exceptional 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 unmatched 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 unbelievable 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 obvious 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 we don’t just want to sell you things. 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.

What is a pawn shop without loans? When things happen in your life, having access to money is a must. You might not be able to get money through classic channels. Many times, good people need a small loan immediately for a short amount of time. These types of loans are almost impossible to get through a bank. We proudly offer our services 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. 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.