What information do I need to provide to apply for a Loan?

You will need to provide personal information including your SSN, address, contact details, proof of income, and checking account information for electronic transfers.

Why do you need my social security number?

Lenders require your SSN for identity verification.

How much can I borrow, how long will I have to repay it and how much will the loan cost?

Loan amounts range from $200 to $5000, depending on various factors, including your state and income.

What kind of bank account do I need to get a loan?

You need a checking account that accepts ACH transfers; savings accounts are not accepted.

Can I pay back my loan earlier than the due date?

Yes, most lenders allow early payments, though additional fees may apply.

What should I do if I can't make my loan payment on time?

Contact your lender to discuss your options, which may include extending your loan or entering a payment plan.

Is LendUP.com a scam?

No, LendUp is a legitimate service connecting loan seekers with direct lenders, although scammers may impersonate them.

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.

Do I need an appointment to sell my valuables?

Walk-in customers are welcome, but if you have a larger collection or specialty item, it is recommended to schedule an appointment.

Are evaluations free?

Yes, all evaluations are free and there is no obligation to sell your valuables.

What types of items do you buy?

We purchase precious metal jewelry, coins, and even scrap metal.

What are your business hours?

We are open Tuesday through Friday from 10:00 AM to 4:00 PM.

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