Collateral Loans

A collateral loan lets you borrow cash against a luxury item you already own, like a watch, a piece of fine jewelry, or a designer handbag, while you keep ownership of it. At San Diego Jewelry Buyers, your piece is held securely as collateral, and you reclaim it when the loan is repaid. It is a discreet way to access funds without selling something you value. We are a family-owned, independent dealer in San Diego's Gaslamp Quarter, serving local clients and clients nationwide since 2006.

How It Works

  1. Bring it in or contact us. Visit our storefront at 907 Sixth Ave, or reach out by phone or email. If you are out of the area, you can ship your item in for review.
  2. Get a complimentary appraisal. Our GIA-trained appraisers evaluate your piece. The appraisal is free and carries no obligation.
  3. Agree on terms. We walk you through the loan terms together so everything is clear before you decide.
  4. Get your funds. Once you accept, you receive your money and your piece is stored securely.
  5. Reclaim your piece. When the loan is repaid, your item is returned to you.

What We Lend Against

We lend against the luxury items we know best, authenticated and appraised in house.

  • Luxury watches from makers like Rolex, Cartier, Omega, Patek Philippe, and Audemars Piguet.
  • Fine jewelry and loose diamonds, including pieces by Tiffany & Co., Cartier, Van Cleef & Arpels, and David Yurman.
  • Designer handbags from Hermes, Chanel, Louis Vuitton, Dior, and Gucci.
  • Gold and other precious-metal pieces.

Why a Collateral Loan

A collateral loan is a simple way to put the value of a luxury item to work without parting with it.

  • Discreet. Your visit and your loan are handled privately and professionally.
  • Fast. We appraise on site, so there is no long wait to learn what your piece can do for you.
  • You keep your piece. You retain ownership and reclaim your item once the loan is repaid.
  • Expert, trusted handling. We are BBB A+ Accredited with GIA-trained appraisers, and every item is treated as 100% Certified Authentic and backed by our Lifetime Authenticity Guarantee.

Licensing and Terms

San Diego Jewelry Buyers is a licensed California pawnbroker, license number 37110819. We are also BBB A+ accredited, and we have operated from the same Gaslamp Quarter storefront since 2006.

Collateral lending in California is regulated. The rate, the term, and any fees that apply to your loan are set out in the written loan agreement you receive and review before you sign anything. Nothing is charged and nothing is committed at the appraisal stage. You can ask us for current terms at any time, in person at 907 Sixth Ave, San Diego, CA 92101, or by phone at (619) 236-9603.

Your item is held securely for the full term of the loan and returned to you when the loan is repaid.

Start With a Free Appraisal

The first step is always a complimentary, no-obligation appraisal so you know exactly what your piece is worth. Bring it to our Gaslamp storefront, or contact us to ship it in from anywhere. If you would rather sell or trade instead of borrow, we can talk through every option in one visit. Get started with San Diego Jewelry Buyers.