What types of items do you buy and sell?

We deal in investment and collectible grade coins, currency, bullion, watches, jewelry, antiques, and more.

Do I need an appointment to visit?

No, appointments are not necessary. Feel free to come in during normal business hours!

Do you offer appraisals?

Yes, we provide free appraisals on coins, bullion, watches, jewelry, and other collectibles.

What items do you buy?

We purchase gold, silver, jewelry, diamonds, Rolex watches, and rare coins.

Do you offer appraisals?

Yes, we provide free evaluation services to appraise your items.

What are your business hours?

We are open Monday to Friday from 9 AM to 3 PM, and Saturday by appointment only.

Do you offer jewelry repair?

Yes, we provide various jewelry repair services including resizing, stone replacement, and custom designs.

How long have you been in business?

Emerald Coast Coins was founded in 2002 by Steve Gerlach, Retired USN, and it is a family business with a strong reputation for fair dealings.

Do you charge sales tax on purchases?

Sales tax is not applicable on the sale of U.S. legal tender coins and currency, or gold, silver, or platinum bullion that exceed $500.

What is scrap gold and do you buy it?

Scrap gold refers to broken or discarded gold items, and yes, we buy it along with sterling silver and broken jewelry.

Do you do appraisals over the phone?

We can't provide accurate appraisals without seeing the item in person due to the many variables affecting a coin’s value.

What do you buy and sell?

We buy and sell gold, silver, and platinum bullion, US coins, foreign coins, jewelry and watches, and high denomination U.S. currency.

Who is eligible for an allotment loan?

Allotment loans are primarily available to federal employees and USPS workers. The eligibility requirements may differ among lenders but usually include proof of employment, a minimum credit score, and a stable income.

How much can I borrow?

The amount you can borrow can reach up to $35,000, based on the information you provide during the application process, your creditworthiness, and the lender's guidelines.

Are hard credit checks required?

No, many lenders that provide allotment loans do not perform hard credit checks, which helps preserve your credit score during the application.

How are the funds disbursed?

Funds are deposited directly into your bank account, ensuring a quick and uncomplicated disbursement process.

What are the interest rates?

Interest rates for allotment loans can vary significantly, often being more competitive than traditional personal loans. They range from as low as 5% to as high as 36%, depending on various conditions such as your credit score and loan term.

Are there origination fees?

Yes, many allotment loans have an origination fee that typically falls between 1% and 6% of the loan amount, which is deducted from the total before the funds are disbursed.

Are there prepayment penalties?

Some lenders may impose a penalty for early repayment of your loan, but not all do. It's vital to check this if you plan on paying off your loan before the agreed term.

What happens if I miss a payment?

If you miss a payment, you will likely incur late payment fees, which could either be a fixed amount or a percentage of the missed payment. Additionally, late payments can adversely affect your credit score.

Are there additional fees and charges?

Yes, there may be other fees, like check-processing fees or fees for bounced payments. It’s best to read your loan agreement carefully to be aware of all potential costs.

Should I consult a financial advisor?

While allotment loans can provide quick access to funds, getting advice from a financial advisor can help ensure you are making the best decision for your financial well-being.

What are the dates for the Dixie Pawnbrokers Conference?

The Dixie Pawnbrokers Conference will take place from September 1 to September 3, 2025.

How can I register as an exhibitor?

You can register as an exhibitor by completing the registration form and mailing it along with payment to the specified address.

Are there sponsorship opportunities available?

Yes, sponsorship opportunities are still available. You can download a detailed list of sponsorships from the Exhibitor Resources page.

Where is the convention being held?

The Dixie Pawnbroker Conference & Trade Show is held at Perdido Beach Resort.

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