Loans / Pawns

Feel Good About Getting Cash Today

Getting a loan can be uncomfortable, annoying, time consuming and sometimes unpleasant. Being treated like a number on a piece of paper rather than a person who is in need. At Gems N Loans we understand. We pride ourselves on crushing the expectation of what a loan experience should be. When you bring in your items to be pawned our highly trained staff will provide a quick and confidential consultation.

Being a part of the Temecula community means we have a sincere interest in the success of our neighbors. We want the best for everyone around us and this includes getting people the cash they need before it is too late. People need small loans for a short period of time. Banks are terrible at providing this service. Good people get denied for conventional loans daily. We are not here to judge your past, rather we want to help your financial future.

No credit. No worries. We won’t check your credit and our loans can’t negatively affect your credit in the future. Awesome, right!

How It Works

Bring us your stuff. This can be anything of value. We love to offer loans on electronics, jewelry, luxury items, watches, handbags, the latest devices, gaming systems and much more. Just remember, the higher the market value of the items, the larger the loan you will qualify for. Even if it doesn’t have value to you, it might have value to us, so bring it in and we will give you a fair appraisal.

Bring a Valid ID. You will need a valid government issued ID to qualify for a collateral loan. You will also need this ID to get your items out of pawn when you pay off the loan. It is illegal to offer a loan without a valid ID so please remember to have this with you and to make sure it is not expired.

Find what will work best. Our well-trained staff will quickly walk you thru all the loan options until you find the one that works best for you. This is a hassle-free process. If after hearing all the options you are not satisfied, you are free to leave with your items at any time. Once you agree to a loan option, simply complete the required paperwork and you will be paid!

Pay it back. Pretty easy right? Just pay the loan according to your agreement and once it is completed, your items will be immediately returned to you. Or you can simply renew your loan as many times as you want.

Let it go. You might find after getting the loan that you don’t want the item back. That is fine…simply let the item go and we will take-over ownership. This will not affect your credit score since we never checked your credit at the beginning, nor will it effect your ability to get future loans. No hard feelings. We will happily continue to offer you our fast and easy loans.

With no hidden fees, secret wording in the fine print, etc…our loans are quick, transparent and very easy. That is why Gems N Loans is Temecula’s Local Luxury Pawnshop.