What are the terms of your pawn loans?

Our pawn loans have a 4 month or 120-day term with no minimum repayment period. They are non-recourse, meaning if you do not repay, you will simply lose the collateral.

What are your interest rates?

Interest rates are governed by state law, starting at under 3% per month (36% APR). For instance, a $175 loan redeemed in 90 days incurs $15.75 in interest.

What services do you offer?

We provide evaluations and appraisals of coins and other collectibles, as well as offering purchase and liquidation services.

Do I need an appointment to visit?

We are open for walk-ins on Fridays, but evaluations are by appointment only.

What types of products can I buy?

We offer a range of numismatic items, including coins, precious metals, antiquities, and ethnographic artifacts.

What types of luxury assets do you buy?

We specialize in buying precious metals, diamonds, luxury watches, estate jewelry, coins, and select collectible art.

How do I get my assets valued?

We offer free valuations for your assets; simply contact us to set up an appointment.

Do you provide shipping for sold items?

Yes, we offer sure secure shipping options for our clients.

Is the process of selling assets online safe?

Absolutely, we have secure methods in place to ensure a safe and smooth transaction for our clients.

What is a registration loan?

A registration loan allows you to obtain fast cash using your vehicle registration as collateral instead of the car title.

Can I get a title loan without bringing in the car?

Yes, you can apply for a completely online title loan by sending in photos or videos of your vehicle.

Will I go to jail for falling behind on a title loan?

No, lenders cannot send you to jail for defaulting on a title loan.

Can I transfer a car title to a family member or friend?

Yes, transferring a vehicle title is a quick process that should be completed before applying for a secured loan.

Can I use a salvage vehicle as collateral for a title loan?

Yes, you can apply for a title loan with a salvaged vehicle title, although the loan amount may be lower.

Do title loan payments affect my credit score?

Yes, if title loan payments are reported to credit bureaus, they can impact your FICO score positively.

What are the minimum qualifications for a business loan?

You need to deposit at least $25,000/month into your business checking account.

How can I opt-out of marketing communications?

You can opt-out by emailing optout@directfundingnow.com with your phone number, name, and email address.

What are your business hours?

We are available Monday to Saturday from 6:00 AM to 7:00 PM (PST).

What do I need to get a California title loan?

The documents typically required for a title loan include your car's title, proof of identity, and employment information. The application process can be done online or in person.

How much can I borrow with a title loan?

You can generally borrow up to 50% of your vehicle's value, with some customers being able to secure loans as high as $20,000.

Can I refinance my current car title loan?

Yes, many lending companies offer refinancing options to help reduce your existing loan's monthly payment and interest rates.

Do I need an appointment to sell my jewelry?

Yes, we operate on an appointment-only basis to ensure personalized service.

What types of jewelry do you buy?

We buy all types of jewelry including diamonds, gold, silver, and watches.

How do you determine the value of my items?

Our specialists evaluate the pieces based on market value, condition, and current demand.

What services do you offer?

We provide various loan-related services including home loans, home improvement loans, debt consolidation, and personal loans for individuals with bad credit.

How can I apply for a loan?

You can apply for a loan by visiting our website and filling out the application form or by contacting one of our representatives.

What do I need to qualify for a loan?

Qualification requirements vary by loan type, but generally include proof of income, credit history, and identification.

Is there any assistance for low-income individuals?

Yes, we have specific debt relief solutions tailored for low-income individuals to help them regain financial stability.

What items do you accept for pawning?

We accept various items including jewelry, electronics, and tools for pawning.

Do you offer interest-free loans?

Yes, we are currently offering 30-day interest-free loans for amounts of $500 or less.

How long has Valley Jewelry and Loan been in business?

We have been serving the community since 1959, celebrating over 60 years in business!

What are your business hours?

We are open Monday to Saturday from 9:00 AM to 5:00 PM, and closed on Sundays.

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