What types of loans do you offer?

We offer a variety of loan services including payday loans, installment loans, personal loans, emergency loans, title loans, and tribal loans.

How quickly can I get a loan?

With our fast approval process, you can receive your loan within minutes, particularly for payday and emergency loans.

Do I need to have good credit to apply for a loan?

We believe everyone deserves access to financial support and offer many options, including loans that do not require a credit check.

What is the process for applying for a loan?

Our application process is online and designed to be simple. You can fill out your application on our website with no hidden fees.

What forms of payment do you accept?

We accept Cash, Personal checks, Business checks, Money Market checks, Cashier's Checks, Money Orders and Wire Transfers. Please note that funds must be collected before orders are shipped or available for pickup.

Do you accept credit card payments?

In certain cases, we will accept credit and/or debit card transactions, but customers must call to speak with a representative for approval. There is a processing fee associated with credit card payments.

Do you carry any silver or platinum coins or bullions?

Currently, we only carry gold coins and gold bullion.

Can I come to one of your store locations instead of ordering over the phone?

Yes, you can visit our stores since we maintain a sufficient stock of gold coins and bars for our local clientele. Sales are on a first-come, first-served basis.

How quickly can I get approved for a title loan?

You can typically get approved for a title loan within 15 minutes.

What do I need to apply for a title loan?

To apply, you need to have a car title, and you can complete the application online, in-store, or by phone.

Can I keep my car while I pay off the loan?

Yes, you can keep your vehicle while you have the title loan.

How do I go about getting my collection appraised or valued?

The best way to get your coins appraised is to call us first and let us know what’s in your collection. You can either wait for the appraisal or leave your items with a receipt, and we will call you once the appraisal is done. We charge for large collections or estate appraisals, but if you decide to liquidate at the time of appraisal, there is no fee.

Can you value my items over the phone?

We cannot provide specific values for items over the phone except for Mint & Proof sets. Any values given are subject to visual inspection in person before finalizing.

What do you pay/charge for gold, silver, & platinum bullion?

The payments and charges for bullion vary based on the current spot price of the metals and premiums at the time of the transaction.

What kind of items do you buy?

We purchase coins, currency (both U.S. and foreign), gold & silver bullion and jewelry, as well as various collectibles.

Yes, we do buy gold, silver, and platinum jewelry.

Do you do estate appraisals?

Yes, we appraise collections for estates, though charges apply unless the collection is liquidated at the time of appraisal.

Do you sell supplies?

We have a wide selection of supplies for coin collecting and can special order items if they are not in stock.

What determines the value of coins?

The primary factors include supply and demand, the condition of the coin, and its date and mint mark.

How do I determine the value of my coin collection?

The most accurate way is to consult with professionals like those at Fox Valley Coins who will provide exact prices.

How can I sell my coin collection?

Visit Fox Valley Coins with your coins, and they will provide immediate cash or check offers.

Why not sell my collection at auction?

Auction prices are unpredictable, while Fox Valley Coins offers cash on the spot.

How can I start buying coins?

You can browse their extensive inventory in the store or online.

What are some common mistakes made when collecting coins?

It's crucial to know your coins and source to avoid paying too much or reducing value!

What is a pawn and how does it work?

A pawn allows you to use your item as collateral for cash. Your item is secured in the pawn shop until you redeem it or the pawn contract defaults. You typically have 30 days to repay, with a possible 30-day grace period. Extensions can also be arranged.

Why use a pawn broker?

Pawn brokers provide an immediate cash solution when banks may not. They offer quick cash loans against valuable items.

Are pawn rates higher than other loan rates?

Pawn rates are reasonable and based on loan size and duration, adhering to Illinois regulations without hidden fees.

Is there a risk of losing merchandise when you pawn it?

Most pawn loans are repaid, with nearly 97% returned. Failure to repay means losing the pawned item.

How does one pawn merchandise?

A pawn is a collateral loan where items are appraised for their cash loan value. Items such as jewelry, electronics, and instruments can be pawned.

What if I lose my loan ticket?

You can still claim your item with a valid photo ID even without the ticket.

What if I don’t pay on time?

Contact us to discuss your situation, as we are open to negotiating payment plans.

What interest rates can I expect?

Interest rates are determined by the loan amount and kept reasonable for customers.

Does your pawn shop sell stolen merchandise?

No, we only engage in legitimate business, requiring ID for all transactions.

How much can I get a loan for?

Loan amounts depend on appraisals of your items, with factors like condition and market demand playing a role.

How is selling different from pawning?

When you pawn, you keep ownership of the item until the loan is repaid, whereas selling transfers ownership to What A Gem.

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