Jewelry Loans at Oro Express Chandler Pawn & Gold

When we’re in times of financial need, we don’t ever think about the literal cash piles we have just sitting around the house.  For instance, some of your jewelry are probably able to provide a substantial amount of cash.  Because there are parts of our jewelry collection, although treasured, are not worn daily.  Therefore, these beautiful accessories are much more viable to pawn and go without temporarily.  No matter whether you’re in Chandler, Gilbert, or Queen Creek, you have Oro Express Chandler on your side.  Whether its gold jewelry, silver jewelry, and diamond jewelry we make offers that stand above the rest with our jewelry loans.

All jewelry assessments are free of charge.  Nor is there any obligation to accept our cash offer. 

What is the Process of Jewelry Loans?

At Oro Express Chandler Pawn & Gold, we will do an on-site analysis to valuate your jewelry.  One of our associates will examine the piece of jewelry and gauge its overall condition.  After that we will locate the hallmark stamped on the jewelry in an inconspicuous place.  This indicates the purity of the gold or silver contained it is made of.  For silver jewelry, the stamp will typically say 925 or STERLING indicating 92.5% purity, the standard for silver.  For gold it can vary wildly from 10kt all the way up to 24kt.  This makes for a minimum of 41.7% pure all the way up to 99.9%.

Next, we’ll verify the purity the stamp indicates, utilizing our acid test kit and a touchstone.  The touchstone does not harm or affect the appearance of your jewelry.  Although, it does provide us with the flakes needed to from the jewelry piece to test with acid drops.  No reaction is an excellent sign meaning that the stated purity is correct.  Lastly, we’ll weigh the jewelry in grams.  Finally, we will verify the spot price of the precious metal and calculate our offer to present to you.

Assessing Diamond Jewelry Settings

If there is a diamond setting in your jewelry, they are assessed completely separately, and then combined to present you with a cash offer.  After verifying the diamond is real, we follow the four C’s of diamond testing.  This grading system is followed world wide to grade diamonds on 4 different factors.  Each one contributes to the diamond’s value, and your cash offer for a diamond jewelry loan.

GIA’s 4 C’s of Grading Diamonds:

1. Cut – This examines how the cutting of the facets sparkle reflecting the light.
2. Clarity – How clear the diamond is 2 kinds of flaws… Inclusions (internal flaws) & Blemishes (exterior flaws of the diamond).
3. Color – Although we all think of diamonds being clear precious stones, there are over 20 hues of color that can be found.  Honestly, completely clear diamonds are the most rare diamond of all.
4. Carat – This factor is the weight and or size of the diamond.  A carat equates to 0.200 grams which is subdivided into 100 points.

Once all 4 factors are considered of the diamond, we verify what its current market value is.  After that, then add the 2 assessments together, and present our cash offer for jewelry loans Chandler.

You can click on the bottom right of the screen, to begin the assessment with an assistant via live-chat.  Our assistant on our chat line, can provide an estimated amount of how much you can receive on a jewelry loan.  In addition, they can answer any questions you may have, and begin the paperwork, before you even arrive at Oro Express Chandler.

Accepting Our Offer For Jewelry Loans

If our offer is accepted, we will need your valid Arizona Driver’s License or ID and a few signatures.  Once the paperwork is finalized, we will count out the offer in cash into your hands.  The entire process takes as little as 20 minutes or less, to get the cash you need today!  After that, our pawnbroker will place your jewelry in a bag that is tagged with the pawn loan ticket number and other information.  Then the jewelry bag is placed in our safe, secured, and insured vault.  And that is where it remains, untouched, until your return to satisfy the loan.

Terms Included With Jewelry Loans

All pawn loans in Arizona are limited to not exceed 90 days.  Although, you are more than welcome to come in to pay the loan in full at any time during the 90 day contract.  Once the loan is paid in full, you will have your jewelry back in your possession within minutes.  In addition, there is never a prepayment penalty or fees added for early payment. In fact, if you pay off the loan prior to the 60th day, Oro Express Chandler deducts a redemption discount to the amount due.

However, if at the end of the 90 days you’re still catching up on finances, we do have a helpful option with our jewelry loans.  All we need you to pay is the interest accrued during the loan to date.  With the interest paid, we can write a new contract for a jewelry loan for another period of 90 days.  Because we’re not in the business to just repossess our customer’s jewelry.  Our goal is to make the cash you need readily available when you need it.  Therefore, we will do everything in our power to help you in any way we can.

Oro Express Chandler, makes the best offers possible and puts the cash in your hands quickly with jewelry loans Chandler residents!

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