CALL US: 760-320-8777

Pawn/Loan

Valley Exchanges Also Does Loans

Valley Exchanges provides cash loans for items of value, such as jewelry, high-end watches, gold or silver bullion, coins, some electronics and other collectibles. It’s a simple and easy process. Just bring in the item and let us know you’d like to pawn it. We’ll evaluate the item and, in the case of jewelry or precious metals, test for purity. We’ll determine a value and offer you a price.

We have a GIA-certified gemologist on staff.

We provide instant cash! It’s that simple.

Get the cash you need now to keep your life going.

Pawn FAQ

A pawn is another term for a non-recourse collateralized loan. Valley Exchanges loans cash on items of value, such as gold and/or diamond jewelry, high-end watches, gold or silver bullion, coins, some electronics and other collectibles.
You may bring an item of value into Valley Exchanges and we will offer a loan based on a percentage of the item’s estimated value. Valley Exchanges will store the item until the loan is repaid with any additional fees that may apply. All interest rates and other fees are regulated by the California Financial Code. California Financial Code section 21200-21209
California law designates that you have 120 days plus a 10-day grace period to pay back the loan. If you pay the loan sooner, the only interest you will be responsible for is what has accrued. At Valley Exchanges, we offer renewals if you need more time.
All you need to receive a loan from Valley Exchanges is an item for collateral and proper ID (state or federal ID card, driver’s license or passport). You must be at least 18 years of age.
No and no. We will not run a credit check. Valley Exchanges offers non-recourse collateralized loans. If you decide not to repay the loan, you simply forfeit your collateralized item and there is no reporting to any credit bureau.
Valley Exchanges will issue you a pawn receipt. Simply return your receipt, repay the loan and any fees and you receive the item back. That simple!
Valley Exchanges is fully licensed by the State of California and local authorities and subject to federal laws. We are also bonded and insured.

Feel free to call Valley Exchanges for any other questions you may have: 760-320-8777.