In today’s busy lifestyles and ever-growing expenses, many find themselves in need of borrowing small sums of money for a small amount of time. Low dollar amounts and short-term loans restrict banks and other lenders from providing these services. That is why we are here for you; to provide you with the help you need at the time you need it in a private and confidential manner. We are a proud accredited business of the San Diego Better Business Bureau.


Our mission here at Gems N’ Loans is to be a company that builds a place where people can come to find and discover anything they might want to buy or sell. The wonderful thing about pawnshops is that you never know what you’ll find. We receive vintage, estate, modern and custom pieces everyday. Find out for yourself why they say, “We Make Pawn Shopping Fun!”


We have been proudly serving north county for 23 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 have Gemology experts on staff that specializes in gold, diamonds and all types of colored stones. Why is this important? Whether you are in the market to buy, sell, or pawn your valuables, you can rest assured that we examine every piece we see for your benefit. We are up-to-date with the going rate of gold, silver and platinum. We are also proud to provide extremely competitive quotes on pawns and OUT OF THIS WORLD deals on jewelry for sale..

For those in the market in diamonds- It is an emotional decision (choosing the right one). We understand and want to make it easier for you. Our experts are ready and willing to answer any questions you have. Most our diamond half carat and above are G.I.A. certified. (G.I.A. is the world recognized Gemological Institute of America). We include this certificate with your purchase at no extra cost to you.

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