Gems N Loans is a privately-owned collateral lending company operating as an upscale pawn shop chain. Founded in 2004, the company provides short-term, non-recourse loans to individuals using personal luxury assets such as fine jewelry, diamonds, high-end watches, and gold as collateral. In addition to providing loans, the company also buys these items directly from the public and sells pre-owned luxury goods through its retail locations. Their mission is to offer a confidential, professional, and high-end alternative to traditional pawn shops, primarily serving the Orange County community.

Founded in

United States