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人与动性xxxWe have been proudly serving Southern California for 22 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.

Wednesday, June 12, 2019

Get the Max for Your Gold or Not?


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When looking to make some cash by selling gold or silver coins, always make sure you investigate your options while confirming the legitimacy of the gold dealer. However, when selling coins, pawn shops won't take advantage and offer fair market value. When the sellers are unaware of how much the coin is worth, it is well worth the time and effort for them to educate themselves on best practices when buying and selling coins or jewelry.

Local coin shows are a great place to find knowledgeable dealers who recognize value when they see it. Ask your community’s coin club for information of future coin shows in your area. If you need something quickly, consulting with a pawnbroker is your best bet, as they deal in this commodity all day long. At Gems N' Loans in Dana Point, they buy any amount of gold or jewelry, and will also buy diamonds in any size, broken jewelry, watches, and more. Their coins range from any grade starting from from good to mint, whether circulated or not circulated.

Learn more here!

Wednesday, June 5, 2019

Is The Best Pawn Shop in San Clemente

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When you are looking to buy or sell gold, or simply browse some of the many interesting items found at a pawn shop, one often wonders whether there are better pawns shops suitable for such an experience.

This is clearly determined by the user experience and testimonials that support the idea right? While Gems N' Loans is just a hop and skip over from San Clemente, and have been receiving praise from their customers, and offer a unique experience as well as great interest rates on personal cash loans.

Pawn stores offer collateral loans for surprisingly low interest rates. They specialize in short-term small loans. Pawn brokers can offer these types of no hassle contracts because the customer offers their article of value as collateral, which significantly reduces the risk for the lender. When the customer pays the loan back, the property is returned. 


In the U.S., over 80% of all collateral property is re-claimed, according to recent pews!

Thursday, March 28, 2019

Fair Market Cash for Gold and How it's Used


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According to Naeem Aslam, contributor at Forbes, gold prices apparently hit a week high today, and continue to be abiding. Ever since came down to $1,046 back in 2015, it has been onward and upward since. Currently gold in San Clemente is trading at around $1,289.70 an ounce.

Gold is a precious metal because it is considered rare and to have a higher economic value compared to other metals. Of the five precious metals openly traded on various exchanges, gold is the biggest market. It often referred to as monetary metals, as it has historical uses as a currency and is seen as a store of value. While relatively small, gold does also have an industrial component because it is less reactive, a good conductor, highly malleable and doesn’t corrode. Therefore, modern day circuitry demands the use on mother boards found in desktop computers and mobile devices.

Many people ask, how pawn shops decide and price gold when it comes into their possession? The is answered by the weight and purity of the gold and further, the current market price per troy ounce.


To learn how to trade gold fairly click here to visit Gems N' Loans

Thursday, March 21, 2019

Car Title Loan or Pawnshop?


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While car title loans offer you quick cash between $100 and $10,000 in exchange for your vehicle’s title as collateral. This type of loan is expensive, and be accompanied by astronomical fees and annual percentage rates frequently topping 260%. If yin need of a cash loan fast, you might seek other options, like asking for an advance on your paycheck or better yet visit a pawnshop in your area. They have even been known to loan money to small businesses. Often this stigma about pawn shops are an idea of a grandiose antique shop. This is not the case and they deal in high end jewelry, gold, and expensive electronics.

Just recently, CNBC did a story about the popularity in wealthy people pawning their valuables for collateral and quick small business loans. There are only a small group of companies enabling individuals to do this. According to their reports, this is largely because entrepreneurs are seeking much more than the average size of a loan from a pawn shop.

Pawn stores can offer this type of deal because the customer offers personally owned property as collateral, which significantly reduces the risk for the lender, therefore, when the customer pays the loan back, the property is returned. In the United States, over 80% of all collateral property is repossessed by the borrower.

Learn how to get fast cash at Gems N' Loans here.

Wednesday, January 16, 2019

Cash Loans San Clemente 0% Interest First Month

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The United States House and Senate had previously voted overwhelmingly to give the workers back pay whenever the federal government fully reopened, and President Trump indicated he would sign the measure in a formal statement about the legislation.

Meanwhile federal workers including military personal have not been receiving their pay. For example, thousands of active duty United States Coast Guard service members, did not receive their paycheck for the first time in history, according to the branch's top official.

Gems N' Loans near San Clemente is offering loans to governmental employees for 0% interest off the first month until January 23rd. This could be a great opportunity to subsidizes until this government shut down recedes, and the authorities come to a conclusion.

To learn about these loans and Gems N' Loans near you click here!

Sunday, December 23, 2018

Cash Loans and Paying Off Christmas Debt

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Usually after Christmas, Americans take down the tree, clean up the sea of wrapping paper, and perhaps begin to glance at their the financial wreckage from another holiday season.

According to Market Watch, it has been said that Shoppers in the U.S. rack up an average of $1,054 of debt over he holidays, which is apparently an increase since last year, according to a survey from MagnifyMoney, a personal finance website. They found 44% of shoppers racked up more than $1,000 in holiday debt, and 5% accumulated more than $5,000 in debt.

Pawn shops offering cash loans in and Around San Clemente recommend taking a personal inventory of any items of value you may have, before hiking up your credit cards. The collateral loan business will loan cash or out right buy merchandise of value. So if you have some article such as laptops or unused jewelry, this could  be a great way to be resourceful and avoid debt, by recycling items of value for new gifts for your loved ones. 


Learn how to get a cash loan or exchange for cash here!

Tuesday, December 18, 2018

What is a Payday Loan in San Clemente

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Payday Loan: Why It Is a Lifeline Today The payday lending perseverance has grown exponentially over the last 15 years. It is estimated that over 20 million Americans use payday loans every lunation. Over the past few ages, the payday lending industry has appear under increasing scrutiny by various regulatory bodies, and in exact the Consumer Financial Protection Bureau (CFPB).

Have you received a pre-approved offer in the mail this holiday season that looks like a check, made out to you and ready to cash? Before you rush to the bank, visions of presents dancing in your head, know that it’s not free cash. Rather, it’s more likely an expensive loan.

Such pre-screened mail offers, or “live checks,” are personal loans sent from banks or lenders to consumers who meet certain criteria, like a minimum credit score. Cashing the check enters you into a loan agreement that may last multiple years and have an annual interest rate above 25 percent.

Chris Jackson received a live check in the mail last November for $2,500 with a 28 percent interest rate. Jackson, a financial planner, was skeptical, but his family reacted differently.

“I asked my family what they would do with [the check], and of course they said they would cash it,” says Jackson, founder of Lionshare Partners, a financial planning firm in Los Angeles.


Collateral-based loans lend when something of value is used to back the loan, leaving this to be a safe option. You take in something you own, and if the pawnbroker is interested, he or she will offer you a loan based on it's value. The pawnbroker then keeps your item until you repay the loan. No credit checks are conducted and interest rates are as low as 2%. This appears to be the best loan option before payday.

Learn more about collateral lenders in the San Clemente area!