What is private money lending?

Private money lending is a type of financing where individuals or businesses lend money in exchange for interest, typically for real estate or business purposes.

How does private money lending work?

Private money lending connects lenders and borrowers, where loan requests are evaluated based on criteria like credit score and the purpose of the loan.

What is hard money lending?

Hard money lending is a subset of private money lending that focuses on borrowers who may not qualify for traditional loans, often involving real estate transactions.

How can I become a private money lender?

To become a private money lender, you need to define your investment criteria, understand the risks, and establish a lending process.

What services do you provide?

We offer a wide range of jewelry services including custom design, repairs, appraisals, and buying of gold and diamonds.

Do you provide any financing options?

Yes, we have flexible financing options available to suit your needs.

What is your return policy?

We offer a 30-day return policy on most items.

Are you affiliated with Cash 4 Gold.com?

No, we are a completely separate entity.

What do you pay per gram/ounce?

We cannot provide a quote without seeing your jewelry, but you can find current prices on our Latest Prices link.

If I find a higher price will you beat it?

Yes, we offer refiner direct pricing and can match prices, but verification is required.

How much gold jewelry equals an ounce of gold?

It takes 2.400 ounces of 10K, 1.714 ounces of 14K, 1.333 ounces of 18K, or 1.091 ounces of 22K gold jewelry to equal one ounce of pure gold.

Do I get actual CASH?

Payments are made by Check or Venmo ONLY!

Do you buy electronics, instruments, tools, or gift cards?

We do not buy items not listed in the 'What We Buy' section.

Do I have to pay taxes if I sell coins?

If the transaction exceeds the limit set by law, a 1099 will be issued. Please consult your CPA for tax reporting requirements.

How do you protect my information?

We do not collect any customer information on our website, nor do we sell it.

What is the process of selling my jewelry or coins to PHCJE?

Bring in the items you want to exchange for cash. We'll evaluate them for free, and if you agree with our offer, you'll need to provide a valid government-issued ID and a right thumbprint.

Do I need an appointment?

No, for most items, you can just walk in. However, for large collections and handbags, we recommend making an appointment.

Can I get a quote over the telephone?

No, we need to physically see your merchandise to provide an accurate valuation.

Why is my jewelry valued so much lower than what I paid for it retail?

Our offers are based on the item's actual value in the instant cash market, which differs from retail pricing where items can be considerably overpriced.

Do you do appraisals for insurance purchases?

No, we do not offer insurance appraisals.

How long are Pleasant Hill Coin & Jewelry Exchange loans?

Loans are for 4 months as per California state law, with a 10-day grace period.

Will a loan affect my credit?

We do not check or report any credit information since the loan is secured by the collateral.

Are loans confidential?

All transactions are private and confidential, although we report certain details to the California Department of Justice.

If I want to buy jewelry from you can I make payments?

Yes, we offer a popular 10 month layaway program with 10% down and no extra fees.

What types of jewelry do you sell?

We offer a diverse range of jewelry, including antique and vintage pieces, brand name jewelry, engagement rings, certified loose diamonds, and Native American jewelry.

Do you have watches for consignment?

Yes, we have a vast collection of brand name watches available for purchase and consignment, including Rolex, Cartier, and Patek Philippe.

What are your store hours?

We are open from Monday to Saturday, 10:00 AM to 5:00 PM, and closed on Sundays.

What types of items do you buy?

We buy gold, jewelry, diamonds, coins, watches, silver products, and dental gold.

How long have you been in business?

Clayton Jewelry & Loan has been serving the community since 1992.

Do you offer cash for gold?

Yes, we offer immediate cash for your gold and other valuable items.

What are your business hours?

We are open Monday to Friday from 10:00 AM to 4:00 PM and Saturday from 10:00 AM to 3:00 PM. We are closed on Sundays.

What types of items can I pawn at Granters Pawn Shop?

Granters Pawn Shop accepts a wide range of items including gold, silver, diamonds, musical instruments, electronics, tools, antiques, and luxury watches.

What is the repayment period for pawn loans?

You can repay your pawn loan within a maximum period of four months.

Do you offer layaway options for jewelry?

Yes, Granters offers an interest-free layaway program where you can put down 10% and make 10 monthly payments.

What types of items do you buy?

We buy gold, silver, luxury watches, and diamonds. You can bring in your items for a free estimate.

Do I have to sell my items after getting an estimate?

No, there is no obligation to sell after receiving an estimate. You can decide what you'd like to do.

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