Gold and Collateral Loans
Gold has truly been a great support against swelling, since its cost tends to rise when the average cost for basic items increments. In the course of recent years financial specialists have seen gold costs take off and money markets dive amid high-expansion years.
Gold is respected throughout the world for its value and rich history, which has been interwoven into cultures for thousands of years. Coins containing gold appeared around 800 B.C., and the first pure gold coins were struck during the rein of King Croesus of Lydia about 300 years later. Throughout the centuries, people have continued to hold gold for various reasons. Below are eight reasons to own gold today.
It’s Simple! Buy low sell high. Come shop Gems N’ Loans Dana Point for your gold jewelry. This is a great investment for you and your future generations. Buy your gold jewelry now when prices are low and sell later when gold is high.
The Best Jewelry Options in Dana Point For A Reason
Let's say you're looking for a ring, that doesn't mean you shouldn't consider necklaces. However, you could find the perfect stone set inside an old pendant, take it to your jeweler and have it re-set into your dream wedding or engagement ring.
When dealing with jewelry, be less concerned with the aesthetic and more with the quality. Something may appear outdated and not your taste, but if it's made of high-quality materials at a bargain of a price, you may be able to afford to have our jeweler re-create it. Our master jeweler Frank has been dazzling the eyes of many Gems N' Loans Dana point customers.
How do you know if a jewelry piece is of good quality? Ask for certifications or appraisals. Hopefully, they have documentation to prove the make-up of the jewelry and quality of any stones. If not, plan to take it to an appraiser yourself.
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Collateral Lending Can Be the Right Alternative
According to Investopedia, pawn shop loans in Dana Point are great alternatives to payday advances. If you have something of value you can use as collateral, a pawnshop might be a loan source worth considering. Finance charges vary by location, so make sure you know what the cost of borrowing will be.
The interest rates on payday loans are known to be some of the highest. For many the convenience and of being able to obtain money when it’s needed balances out. The lender offers you the money you request and then you pay it all back with your next paycheck. That’s plus interest and fees of course. Learn why Gems N' Loans Dana Point is the exception at interest rates as low as 2%.
Payday From Collateral Lending
Why Pawn Loans Are Better Than Payday Loans
Payday loans can involve a bunch of paperwork full of terms and conditions. And there can be some unwanted aspects to the loan hidden away in the fine print, including an agreement to have your wages garnished and forfeiting the right to take the lender to court. Pawn shop loans in Dana Point, on the other hand, are straightforward, with no hidden fees or penalties.
No one can predict the future, so it’s always wise to protect yourself in the event that unforeseen circumstances prevent you from paying off your loan. If you’ve borrowed money from a payday lender, not only will failure to satisfy the terms be expensive, you’ll likely be permanently blacklisted from using their services, start receiving calls from bill collectors, and even be dragged into court by the lender’s attorneys.
We Offer Alternatives to High Interest Loans
Finding a low interest payday loan in that won’t break you, isn’t far from the Gems N' Loans in Dana Point, and is willing to offer interest rates as low as 2% on your first loan. This of course is based on collateral of value towards the loan.
A payday loan is a short-term, high-interest loan, generally for $500 or less, that’s designed to bridge the gap between paychecks. The quick cash infusion is nice, but when you apply for a payday loan, you may wind up getting more than you bargained for.
A Payday Advance That Is Reasonable
Everyone knows that money doesn't grow on trees, and that often we need lending branch to swing our way. a payday loan doesn't necessarily have to be a situation that winds up being a vicious circle of catching up. I would encourage anyone that needs to solve an immediate financial problem seek other alternatives.
Gems N' Loans Dana Point can offer a loan fr as low as 2%, that are based on collateral borrowed on or sold directly. By selling the the item you really aren't being held responsible after that point. However, some people like to borrow against their collateral on a contingency that they will someday be able to reclaim the merchandise. This is often a great way to go. The worst thing that could happen would be to lose the item of exchange, leaving a payroll check untouched.
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The Difference Between Payday Loans and Cash Advances on Collateral
Payday loans or payday advances are unsecured loans and there is no collateral and usually no credit check required for approval. Payday loans are granted based on your income and are designed to be paid back on a specified date that corresponds to your pay dates. The term cash advance is at times synonymous for payday loan, which refers to an advance on your paycheck. This can often land people behind the eight ball.
At Gems N’ Loans in Oceanside, we are offering collateral loans with interests rates as low as 2%. Perhaps you have an item of value that you are no longer using and could save your self the entrapment of a payday loan. The collateral loan business is much more forgiving and really can be a great alternative for fast cash.
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What is the Difference Between Pawn Loans and Payday Loans?
One of the questions we get asked the most is If you ask yourself what’s the difference between a pawn loan and payday loans?
Well first of all, pawn loans are cash loans given against a collateral of some kind, like jewelry, electronics, instruments, bicycles, and more. The amount of cash received for a pawn loan depends on the stores policies. At Gems N’ Loans Dana Point, we have interests rates as low as 2%. Pawn shops allow you to agree upon the amount of time to repay the loan, and once the loan is repaid, your item is returned to you.
Payday loans are loans given against a specific amount of money, depending on your typical earnings. They are high-interest loans to be repaid within a short amount of time, normally against the borrower’s next paycheck. This can leave the lendee playing catch up.
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Employee Owned and Operated
Gems
N' Loans prides itself on being an employee owned and operated
business. Whether your taking it easy this labor day weekend or need a
cash loan in and around Dana Point, we are here for you!
Labor Day in the United States is a public holiday celebrated on the first Monday in September. It honors the American labor movement and the contributions that workers have made to the strength, prosperity, laws and well-being of the country. It is the Monday of the long weekend known as Labor Day Weekend and it is considered the unofficial end of summer in the United States. The holiday is also a federal holiday.
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Did You Know This?
The Fourth of July was almost the Second of July!
Americans have been celebrating independence from British rule on July 4 for more than two centuries, but a more accurate date to celebrate may actually be July 2.
While Congress formally adopted the Declaration of Independence on July 4, 1776, it made the formal call for freedom on July 2. The Declaration of Independence became official only on Aug. 2, 1776, after members of Congress signed the document, according to the National Archives.
President John Adams wrote in a letter to his wife that July 2 should be celebrated by future generations as the "great anniversary festival" for the new nation. He almost got his wish.
Celebrate 50% of the Red Ruby, White and Blue!
The Best Jewelry in Dana Point
Girls can surf, this we know by now. But this shop in Dana Point proves they don’t have to mimic the boys to do it right. Packed with diamond rings, sliver jewelry, gold bars, engagement rings, and colorful necklaces, and jewelry that won’t fall apart in a wave.
Custom Jewelry We craft and repair jewelry of any kind according to our clients specifications. We have a unique collection of exquisite jewelry, gifts. We trade for Cash Loans Get fast cash loans! We provide you with the help you need at the time you need it in a private and confidential manner. MORE Gold and Silver Coins Gold coins and bullion 4% over daily wholesale gold price!
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Gems N' Loans Celebrates the Stone of the Month
Aquamarine embodies all things connected to the sea, as well as those things relating to heaven reflected on the surface of the water. This gemstone is believed to help the wearer make new friends and has long been a symbol of youth, health & hope. A stone of natural justice, Aquamarine utilizes compromise and negotiation, and gives quiet courage and clear reasoned words in confrontational situations.
At Gems N' Loans we have many star studded options in jewelry, gold, silver, and gems! We will buy any amount of gold or jewelry. We will also buy diamonds in any size, broken jewelry, watches, and more, We also buy coins in any grade, from good to mint whether circulated or uncirculated.We have a large variety of affordable silver and gold jewelry!
Pawn shopping is fun! Bring the family and explore the vast inventory that our pawnshop offers, we have something for everyone. Our inventory jewelry and engagements rings are always priced affordably. Fill up your shopping bag with great bargains at Gems N 'Loans. We service Dana Point, San Clemente, Capistrano, and Orange County!
Gold Coins in Orange County Work
Crowds estimated at about 20,000 people pack Santa Ana streets on Saturday, January 21, 2017 during the Women's March against President Trump. There were 616 sister marches across the world, and 49 in California. People hold signs against President Trump as they line the streets during the OC Women's March in Santa Ana on Saturday, January 21, 2017. Organizers say they marched by Gems N’ Loans in Dana Point and were amazed by all of the gold and jewelry.
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