How does a loan work?

Getting a loan on your gold or other precious metals and valuables is really a very easy process.

Simply bring in your items you want to get a loan on.  We will evaluate each piece and we will ask you how much you are looking to borrow.  The less you borrow, the less interest will be collected. Stein’s is not a pressure store. We are here for you.

Once we examine your item, we will determine a value (offer) that we are authorized to pay you for your item(s) as a buy, or lend you money, using your item(s) as collateral.  We try to pay you more on items you wish to sell outright. If you decided to use your jewelry for collateral for the loan, we will lend you the money and you will have 30 days to come back into the store, pay back the loan with interest.  If you need more time on a loan, simply just pay that months interest and renew the loan.

Steins will give you a 30 day loan on any precious metal or jewelry and if you need more time, we can extend it for another 30 days. Just pay the financing charge when picking up your item. Need even longer? Just pay off the financing fee and start the loan time all over again! Super easy, no pressure! No credit check. Bad credit? No problem as you are using your jewelry as collateral.