Tell us about your item
Start with what you know. You don’t need a model number or an appraisal to begin.
JEWELRY, WATCHES & OTHER ELIGIBLE VALUABLES
Another option
before you sell.
Explore a collateral loan with the SDJB lending team. Understand the amount, costs and repayment terms before you decide.
An inquiry is not approval. Your item is held as collateral.
HOW A COLLATERAL LOAN WORKS
Your piece secures the loan.
Start with jewelry, diamonds, watches or precious metals. For other valuables, ask the team about eligibility.
Meet your buyer
Your item is examined in person. Ask questions about the evaluation and your options.
Decide with the details
Review the amount, costs and repayment terms before choosing a loan.
While you borrow
The lender holds your item under the loan agreement. You don’t keep possession during the loan.
When you repay
Recover your item by repaying the amounts due within the agreement’s terms.
If you don’t repay
You may lose the pledged item. Ask about due dates, extensions, fees and nonrepayment before signing.
QUESTIONS WORTH ASKING
Know the full terms.
Not just the amount.
Loan availability and terms are specific to the lending location and the item. Don’t assume every future store has the same policy.
- What is the loan amount offered?
- What interest, fees and total repayment apply?
- When is payment due, and what happens if I’m late?
- How is my item held and returned?
- Who is the lender on my agreement?
Sell or borrow?
A sale transfers the item to the buyer. A loan keeps a path to recovering your item, with costs and repayment obligations.
The right choice depends on your priorities and ability to repay. We can explain both paths.
Start with your goal.
“I’m ready to sell.”
Discuss a sale“I’d like to recover my piece later.”
Discuss a loanA REAL PLACE. PEOPLE YOU CAN MEET.
Your next stop.
Before making a decision.
Can I get a loan amount from a photo?
A photo can start the conversation. Eligibility and an amount depend on evaluation and the lending team’s requirements.
Can I keep wearing my jewelry during the loan?
No. The item is held as collateral under the agreement until it is redeemed according to the terms.
Where can I read more about SDJB loans?
Visit SDJB’s collateral-loan information and ask its team for the actual terms and disclosures that would apply to you.
YOUR NEXT STEP
Talk through your loan options.
Start with a conversation. We’ll help you understand your options.
BEFORE YOUR VISIT