What services do you offer?

We offer Luxury Loans, Appraisals, Insurance Replacement, Purchase and Loan services.

Where are you located?

Our showroom is located at 11 North Wabash Avenue, Chicago, IL 60602.

What are your business hours?

We are open Monday to Friday from 9:00 AM to 5:00 PM, Saturday 10:00 AM to 4:00 PM, and closed on Sundays.

What are payday loans?

Payday loans are small-dollar, short-term loans designed to help borrowers cover emergency expenses until their next paycheck.

What is the maximum loan amount for payday loans in Illinois?

In Illinois, the maximum loan amount for payday loans is $1,000.

Can I get a payday loan with bad credit?

Yes, many lenders offer payday loans without requiring a hard credit check, so bad credit may not disqualify you.

How quickly can I get the funds?

Typically, payday loans offer same-day financing as long as the application is submitted during business hours.

What are the eligibility requirements for a payday loan?

You must be at least 18 years old, a US citizen, and have a regular source of income and an active checking account.

What services does Elmhurst Coins & Collectibles offer?

We provide a full range of numismatic services including buying and selling coins, precious metals, appraisals, and certification services through PCGS and NGC.

Do you provide appraisals?

Yes, we offer free verbal evaluations and confidential written appraisals for banks, estates, and insurance companies.

What are your business hours?

We are open Tuesday to Friday from 10:00 AM to 6:00 PM and Saturday from 10:00 AM to 4:00 PM. We are closed on Sunday and Monday.

How does a pawnshop work?

Pawnbrokers lend money on most items of value, like jewelry. The items act as collateral, allowing loans from $20 to several thousand dollars based on the item's value, typically for a 30-day period.

Can I sell my valuable item instead of pawning it?

Yes! RJ Jewelry offers top dollar for gold, jewelry, musical instruments, small electronics, and more.

Why would someone go to a pawn shop to get a loan?

Pawnshops provide a quick, confidential method to borrow money without credit checks. It's a convenient option for short-term cash needs.

Will I get my item back?

On average, 70-80% of loans are repaid. Customers frequently borrow against the same items multiple times.

How can I be sure the merchandise I purchase at a pawnshop isn't stolen?

Less than 0.2% of collateral is suspected stolen. Valid identification is required for transactions, allowing police access to pawning records.

Why shop at RJ Jewelry & Loan?

RJ Jewelry & Loan offers great value, with prices often 40-80% off retail. They provide a wide selection of unique items across five locations.

What is a REWARDS CARD?

Loyal customers can receive a free REWARDS CARD for discounts on loans above $500 and free watch batteries and jewelry cleaning.

Are pawn shops dangerous?

Pawnshops today focus on customer service and community involvement, contrasting older misconceptions about their clientele.

Do pawnshops attract indigents and derelicts?

No, most customers are employed individuals needing short-term cash for unexpected expenses.

Are pawnshop rates excessive?

Pawnshop rates are based on risk and may be higher due to associated costs like security and handling, unlike traditional lending institutions.

What items do you accept for pawning?

We accept a wide range of items including electronics, jewelry, tools, musical instruments, and luxury goods.

Do I need to undergo a credit check to get a pawn loan?

No, we provide cash on the spot without credit checks or lengthy paperwork.

What are the renewal options for pawn loans?

You can extend your pawn loan by paying the service fees or reduce the principal for lower future payments.

What is your return policy for jewelry?

You can return jewelry purchases within 30 days for a full refund, provided it is in new, sellable condition.

Do you offer shipping?

Yes, we offer free shipping on orders over $150. A flat rate of $8 applies for orders under that amount.

What is the policy for engaging ring purchases?

Engagement rings can be returned within 30 days, as long as they are in their original condition and packaging.

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