Collateral Loans / Pawns
Sometimes selling isn't the right option. Whether it's a family heirloom, a special gift, or a piece with personal meaning, a collateral loan allows you to access short-term funds without giving up your item for good.
At A Cash Buyer , we offer confidential, short-term loans using your jewelry, watches, diamonds, or other valuable items as collateral. The process is quick, secure, and entirely judgment-free.
We understand that people seek loans for all kinds of reasons — from covering a temporary gap to funding something important — and we treat every customer with professionalism and respect.
How It Works
- Bring in your item - or text us photos to get started.
- We'll evaluate it on the spot and explain your loan options.
- If accepted, we'll issue a loan agreement outlining the amount, interest, and terms.
- Leave with cash in hand — typically within 30 minutes or less.
No credit checks, no income verification, and no obligation to sell.
Loan Terms & Conditions
- All loans are based on the appraised value of your item.
- The standard loan term in California is 4 months.
- Items can be redeemed anytime during the loan period by paying the principal and accrued interest.
- Need more time? Renewals and extensions are available.
- If a loan isn't repaid, ownership of the item transfers to us — no impact on your credit, and no collections.
Why Choose a Loan Instead of Selling?
We know that many items come with memories, emotion, and meaning. A collateral loan gives you flexibility — you can get the cash you need now while still keeping the option to reclaim your piece. Unlike selling, loans give you the chance to return, repay, and retrieve what matters within the contract terms.
What We Accept as Collateral
We specialize in high-end luxury goods, including:
- Fine Watches (Rolex, Patek Philippe, Audemars Piguet, and more)
- Diamond Jewelry
- Loose Diamonds
- Gold and Precious Metals
- Estate and Antique Jewelry
- Designer Pieces (Cartier, Tiffany, Van Cleef & Arpels, etc.)
If you're unsure whether your item qualifies, feel free to reach out or send us a photo.
Your Items Are Safe With Us
As a fine jewelry and watch store first, we take the protection of your valuables seriously. Whether your item is in our possession for a loan or a repair, it is fully insured for its current fair market replacement value — not just the loan amount.
Unlike many pawn brokers, we go beyond the minimum. Most do not carry insurance for pledged items, leaving customers vulnerable in the event of theft. With the rise in jewelry store break-ins, this is more important than ever. If something were to happen, many customers elsewhere are left without their item — and without compensation.
At our store, that’s not the case. Your peace of mind is backed by robust protections.
We utilize time-locked safes within safes, ensuring layered security for all stored items. Our system includes strict access controls and a detailed access history, so every interaction is logged and monitored. These measures are part of our commitment to safeguarding your valuables at the highest standard.
Ready to Get Started?
Walk in anytime or schedule an appointment. We're happy to answer any questions and explain your options in detail — no pressure, no rush.