WeBuyGoldAndSilver.com
WeBuyGoldAndSilver.com Buying Gold, Silver, Diamonds, Coins & More for 34 years!

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Loans

In addition to our retail store, National Watch, our buying service, WeBuyGoldandSilver.com, we own and operate Jewelers’ Row Money Loan Inc. at the same location.

Jewelers’ Row Money Loan Inc. is a pawnshop that has been licensed by the Pennsylvania Department of Banking for over thirty years. Many customers do not want to sell their valuables. What they really need is a loan for a short, limited period to get them through difficult times.

We are regulated by 12 Federal Laws plus numerous state and local laws. However, we are not a traditional pawnshop. We accept only small valuable items as collateral for loans. We loan money on diamonds, gold, jewelry, watches, rare coins, bullion, and silver. Occasionally, we will loan money on a vase or a rare antique item. We do not loan money on musical instruments, video games, sports memorabilia, or other items not specifically mentioned on our “What We Buy” page.

Pennsylvania interest rates range from only two to three percent (2-3%) per month; one of the lowest rates in the United States. A loan for $1000 only costs between $20 and $30 in interest per month.

We accept only small valuable items as collateral for loans. We loan money on diamonds, gold, jewelry, watches, rare coins, bullion, and silver. Occasionally, we will loan money on a vase or a rare antique item.

Many customers do not want to sell their valuables. What they really need is a loan for a short, limited period to get them through difficult times.

In most cases, we loan approximately seventy percent (70%) of the liquid value of the item. All loans run for six months and can be extended multiple times simply by simply paying the interest. No amount is too small or too large.

We also provide loans to customers who cannot visit our brick and mortar location. In situations like these, potential borrowers simply mail their items to us on their own initiative or use a kit they receive from us.

We base our loan offers on the value of the item offered as collateral. We research the item’s current appraised value, evaluate item’s current condition, our expectation of what we will receive in the unlikely event we will need to sell the item. Our research includes reaching out to niche appraisers in our extensive partner setup.

We base pawn loan values on pre-owned retail prices, not what the item cost when it was new. Any collateral turned over to us will be priced accordingly if we need to sell it. We base the loan amount we offer on that selling price and our ability to sell the item should the need arise.

We offer you as much as we can while also considering the costs we incur for storage, insurance, and other incidental costs of doing business.

We specialize in jewelry, precious gems, watches, coins, collectibles, precious metals, antiques, and more. We will offer the highest market value for items. We are available for in-person consultation or via phone anytime during our hours of operation.

The majority of customers repay their pawn loans and have their items returned. If a customer defaults on the loan, the merchandise/collateral for the loan is forfeited.

For those who use a kit to send their merchandise to us, we pay the postage and add that amount to the loan. When borrowers redeem their loan, they are also responsible for the shipping cost we incur when returning their collateral.

We also offer a storage service for the many people who do not have a place to safely store and secure their valuables after their loan is paid in full. We will gladly hold your items for only a small monthly fee.

You can also ship your items to us using the instructions in the HOW TO SELL section. For more information, please contact us.