ST. LOUIS, MO 63123

8101 GRAVOIS ST. LOUIS, MO 63123

Southside Pawn will give you the best loans on jewelry!

Southside Pawn places great importance on every jewelry loan. Remembering our commitment, that each customer will get the maximum cash possible for your jewelry.

Why Choose Us

Competitive Rates

When it comes to getting a loan on your jewelry, finding a pawn shop that offers competitive rates is crucial. At Southside Pawn, we understand the importance of providing our customers with the best deal possible. That’s why we offer competitive rates on jewelry loans. We want you to get the most value for your precious pieces, so you can feel confident when choosing us as your trusted pawn shop.

Jewelry Expertise

Southside Pawn will give you the best loans on jewelry!
Southside Pawn will give you the best loans on jewelry!

At Southside Pawn, we pride ourselves on our extensive jewelry expertise. When you bring your jewelry to us, you can rest assured that it will be evaluated by our experienced in-house jeweler. With over 30 years of experience in the industry, our jeweler has the knowledge and skills to accurately assess the value of your pieces. This means that you can trust us to provide you with an honest and fair evaluation, ensuring that you receive top dollar for your jewelry.

Quick Process

We understand that when you need a loan, time is of the essence. That’s why at Southside Pawn, we have designed a quick and efficient process to ensure that you can get the money you need as quickly as possible. When you bring your jewelry to us, our team will evaluate it promptly so that we can provide you with a loan offer without delay. Our streamlined loan process allows you to save time and get the funds you need when you need them.

Jewelry Loans Explained

Loan Basics

At Southside Pawn, we offer jewelry loans to provide you with quick cash when you need it most. Our jewelry loans are a convenient and secure way to unlock the value of your precious items without having to sell them.

When you choose a jewelry loan at Southside Pawn, you can expect flexible loan amounts and terms that suit your specific needs. We understand that everyone’s financial situation is unique, so we work closely with you to determine the loan amount that works best for you. Whether you need a small loan or a larger sum, we’re here to help.

One of the key advantages of getting a jewelry loan at Southside Pawn is that your jewelry serves as collateral for the loan. This means that instead of relying solely on your credit score or income, we take into account the value of your jewelry when determining the loan amount. By using your jewelry as collateral, you can access higher loan amounts compared to traditional personal loans.


There are several benefits to choosing a jewelry loan from Southside Pawn. First and foremost, you get to keep ownership of your treasured pieces while still accessing the cash you need. Unlike selling your jewelry outright, a jewelry loan allows you to retain possession of your items and reclaim them once the loan is repaid.

Another advantage is that our expert appraisers will assess the value of your jewelry accurately. We have years of experience in evaluating different types of jewelry, including precious metals and gemstones. This ensures that you receive a fair and competitive loan offer based on the true value of your items.

Furthermore, our process is quick and hassle-free. We understand that emergencies or unexpected expenses often require immediate attention, which is why we strive to make the application and approval process as efficient as possible. With minimal paperwork and no credit checks required, you can get the funds you need within a short timeframe.


To obtain a jewelry loan at Southside Pawn, there are a few requirements you need to meet. Firstly, you must be at least 18 years old and provide a valid government-issued ID. This ensures that we comply with legal regulations and verify your identity.

You will need to bring the jewelry items you wish to use as collateral for the loan. Our appraisers will carefully examine your jewelry to determine its value and assess its condition. It’s important to note that the loan amount may vary depending on the quality and market demand for your specific pieces.

Lastly, we require proof of address, such as a utility bill or lease agreement, to ensure that we have accurate contact information for you. This helps us stay in touch throughout the loan process and keep you informed about any updates or repayments.

Loan Process Overview

Application Steps

Applying for a jewelry loan at Southside Pawn is a straightforward process. To get started, you’ll need to follow a few simple steps. First, gather all the necessary documentation, including identification and proof of ownership for the jewelry you wish to use as collateral. Next, visit the Southside Pawn location nearest to you and fill out an application form. The staff will guide you through the process and answer any questions you may have.

Once you’ve completed the application, it’s time to submit your jewelry for evaluation. The experts at Southside Pawn will carefully assess its value based on factors such as quality, condition, and market demand. This evaluation helps determine the maximum loan amount you can receive.

Approval Criteria

thside Pawn has specific criteria they use to evaluate and approve jewelry loans. While each case is unique, there are several key factors that influence their decision-making process. One important factor is the value of your jewelry. Higher-value items are more likely to be approved for larger loan amounts.

thside Pawn considers factors such as market demand for certain types of jewelry and their ability to resell it if necessary. They also take into account your credit history and financial stability. However, even if you have less-than-perfect credit or no credit history at all, you can still qualify for a jewelry loan at Southside Pawn.

To ensure a successful loan application, make sure your jewelry meets their guidelines. It should be in good condition and free from any significant damage or missing parts. Providing accurate information about your jewelry and being transparent about its history can also increase your chances of approval.

Loan Terms

Before finalizing a jewelry loan at Southside Pawn, it’s essential to familiarize yourself with the loan terms and conditions. This includes understanding the repayment schedule and interest rates associated with your loan. The specific terms will be outlined in a loan agreement, which you should review carefully to ensure you are comfortable with all the details.

The repayment schedule for jewelry loans at Southside Pawn is typically flexible, allowing you to repay the loan within a specified period. It’s important to make timely payments to avoid any additional fees or penalties. Interest rates may vary based on factors such as the loan amount and duration.

Variety of Jewelry Loans

Gold & Silver

When it comes to obtaining loans using gold and silver jewelry, Southside Pawn offers a range of options. Whether you have gold necklaces, silver rings, or any other type of precious metal jewelry, you can turn them into quick cash at Southside Pawn. They have a streamlined process for evaluating and valuing gold and silver items, ensuring that you receive the best loan offers.

At Southside Pawn, the appraisal process for gold and silver jewelry is meticulous. Their team of experts examines each piece carefully to determine its purity and weight. By assessing these factors, they can accurately value your jewelry and provide you with a loan offer based on its worth. This ensures that you get the maximum value for your gold and silver items.

By choosing Southside Pawn for your gold and silver jewelry loans, you can rest assured that you’re getting competitive deals. They understand the sentimental value attached to these pieces, which is why they strive to provide fair loan offers. With their expertise in the industry, they are able to offer top-dollar loans for your gold and silver jewelry.

Diamonds & Gems

If you have diamond or gemstone jewelry that you need a loan against, Southside Pawn is the place to go. They specialize in assessing the quality and value of diamonds and gems, allowing them to offer attractive loan options. Whether it’s a diamond engagement ring or a precious gemstone pendant, Southside Pawn can provide you with a loan based on its worth.

thside Pawn follows a comprehensive evaluation process for diamonds and gemstones. Their experienced appraisers consider various factors such as cut, clarity, color, and carat weight when determining the value of your jewelry. This thorough assessment ensures that you receive an accurate loan offer that reflects the true worth of your diamond or gemstone pieces.

When it comes to receiving top-dollar offers for your diamond and gemstone jewelry loans, Southside Pawn is committed to providing the best deals. They understand the value and rarity of these precious stones, which is why they offer competitive loan terms. By choosing Southside Pawn, you can get the financial assistance you need while keeping your valuable jewelry safe.

Watches & Fashion

At Southside Pawn, watches and fashion jewelry also qualify for loans. Whether you have a luxury watch or trendy fashion accessories, you can leverage their loan opportunities. Southside Pawn has a team of experts who specialize in appraising and valuing watches and fashion items, ensuring that you receive fair loan offers.

When evaluating watches, Southside Pawn considers factors such as brand, model, condition, and market demand. This comprehensive assessment allows them to determine the true value of your watch and provide an appropriate loan offer. Similarly, when it comes to fashion jewelry, they take into account factors like brand reputation, materials used, and current fashion trends.

With Southside Pawn’s expertise in assessing watches and fashion jewelry, you can expect competitive loan deals. They understand the value of these items and strive to offer loans that reflect their worth. By choosing Southside Pawn for your watch and fashion jewelry loans, you can access quick cash while retaining ownership of your valuable possessions.

Competitive Loan Rates

Best Offers

Discover the best loan offers available for different types of jewelry. Southside Pawn is committed to providing competitive rates for their customers’ jewelry loans. Whether you have gold, diamonds, gemstones, or luxury watches, they offer attractive deals that maximize the value of your assets.

When it comes to loan offers, Southside Pawn understands the varying worth of different jewelry items. They take into account factors such as the quality and market demand of your jewelry when determining loan terms. This means that you can expect a fair evaluation and an offer that reflects the true value of your pieces.

To ensure transparency and customer satisfaction, Southside Pawn encourages borrowers to compare their loan deals with other providers. By doing so, you can evaluate the benefits and advantages offered by Southside Pawn. Take the time to explore their rates and terms for different types of jewelry, allowing you to make an informed decision about your loan.

Rate Comparison

Comparing loan rates is crucial when considering a jewelry loan. Southside Pawn stands out among other lenders by offering competitive interest rates tailored specifically for jewelry loans. Their rates are designed to be fair and reasonable, ensuring that you receive a favorable deal.

By comparing Southside Pawn’s rates with those of other providers, you can gain a comprehensive understanding of the market. This allows you to assess whether Southside Pawn is offering the best rate for your needs. Take note of any additional fees or charges associated with the loan to get a complete picture of the costs involved.

When evaluating interest rates, consider not only the initial rate but also any potential changes over time. Some lenders may offer low introductory rates that increase significantly after an initial period. In contrast, Southside Pawn aims to provide stability by offering consistent and competitive rates throughout the duration of your loan.

Flexible Terms

thside Pawn understands that every borrower has unique financial circumstances. That’s why they offer flexible terms for their jewelry loans. They believe in empowering their customers to customize their repayment plans according to their individual needs.

When you choose Southside Pawn for your jewelry loan, you have the flexibility to select a repayment schedule that aligns with your financial situation. Whether you prefer shorter or longer loan terms, they can accommodate your preferences. This level of flexibility allows you to manage your loan effectively and comfortably.

In addition to flexible repayment options, Southside Pawn also offers various methods for managing your jewelry loan. You can make payments online, through mobile apps, or in-person at one of their convenient locations. This convenience ensures that you have control over your loan and can easily stay on top of your payments.

Understanding Loan Terms

When it comes to getting a loan on your jewelry, it is important to understand the loan terms offered by Southside Pawn. This will help you make informed decisions and choose the best option for your financial needs.

Repayment Options

At Southside Pawn, you have several repayment options available for your jewelry loan. Whether you prefer to make regular monthly payments or pay off the loan in one lump sum, there is a repayment method that suits your preferences. It’s essential to discuss these options with Southside Pawn so they can tailor a solution that works best for you.

By choosing the right repayment method, you can manage your finances effectively and ensure that repaying the loan doesn’t become a burden. Whether you opt for smaller monthly installments or decide to pay off the loan sooner, Southside Pawn will work with you to find a repayment plan that fits your budget.

Interest Rates

Understanding how interest rates are calculated is crucial when taking out a jewelry loan at Southside Pawn. The interest rate determines the cost of borrowing and affects the total amount you will repay over time. It’s important to get information on the current interest rates offered by Southside Pawn and how they impact your loan.

Calculating the total cost of the loan based on the interest rate provided allows you to make an informed decision about borrowing against your jewelry. By knowing exactly how much you will need to repay, including any interest charges, you can plan your finances accordingly and avoid any surprises down the line.

Renewals & Extensions

etimes, circumstances may arise where you need more time to repay your jewelry loan at Southside Pawn. In such cases, it’s important to explore the options for renewing or extending your loan term.

thside Pawn offers renewal possibilities if you require continued financial support beyond the initial term of your loan. By discussing this option with them, they can guide you through the process and provide the necessary information to help you make the best decision for your situation.

Understanding the process of extending the loan term is essential. Southside Pawn will explain the requirements and any additional fees associated with renewing or extending your loan. By having this knowledge, you can make an informed choice that aligns with your financial goals and circumstances.

Preparing Your Jewelry

When it comes to getting the best loans on jewelry at Southside Pawn, it’s essential to prepare your pieces properly. By following a few expert tips and ensuring you have the necessary documents, you can maximize the value of your jewelry during the appraisal process and expedite your loan application.

Appraisal Tips

To ensure a smooth and accurate appraisal process at Southside Pawn, it’s crucial to prepare your jewelry correctly. Here are some valuable tips to help you get the most out of your appraisal:

  1. Clean and polish: Before taking your jewelry for an appraisal, make sure it is clean and polished. This will allow the appraiser to examine the piece thoroughly and accurately assess its value.

  2. Document details: Take note of any important details about your jewelry, such as its brand, metal type, gemstone information, and any unique features. Providing this information to the appraiser will help them evaluate your piece more effectively.

  3. Present with care: When presenting your jewelry for an appraisal, handle it with care. Use a soft cloth or gloves to avoid leaving fingerprints or smudges on the piece. This will ensure that the appraiser sees your jewelry in its best possible condition.

Required Documents

Before applying for a jewelry loan at Southside Pawn, gather all the necessary documents to streamline the process. Having these documents ready will save you time and expedite your loan application:

  1. Proof of ownership: Provide documentation that proves you are the rightful owner of the jewelry you wish to use as collateral for the loan. This could include purchase receipts, certificates of authenticity, or previous appraisals.

  2. Identification: Bring a valid government-issued identification document such as a driver’s license or passport. This is required for verification purposes when applying for a loan.

  3. Loan application form: Fill out the loan application form provided by Southside Pawn. Make sure to provide accurate and complete information to avoid any delays in processing your application.

Condition Matters

The condition of your jewelry plays a significant role in its appraisal value and the loan offer you receive. To ensure you get the best loan offer from Southside Pawn, pay attention to the condition of your jewelry:

  1. Inspect for damage: Carefully examine your jewelry for any signs of damage, such as missing stones, loose prongs, or scratches. Repairing these issues before the appraisal can increase the value of your piece.

  2. Keep original packaging: If you have the original packaging or documentation that came with your jewelry, bring it along during the appraisal. This can add value and credibility to your piece.

  3. Maintain regular upkeep: Regularly clean and maintain your jewelry to keep it in good condition. This includes storing it properly when not in use and avoiding exposure to harsh chemicals or extreme temperatures.

The Loan Approval Process

Evaluation Criteria

At Southside Pawn, we have specific criteria for evaluating jewelry when considering it for a loan. It’s important to familiarize yourself with these criteria to understand how your jewelry will be appraised and how it will impact the loan amount you can receive. Our expert appraisers take into account factors such as the quality of the materials, craftsmanship, brand reputation, and market demand. By meeting these evaluation criteria, you increase your chances of a successful loan application.

Instant Decisions

When you apply for a jewelry loan at Southside Pawn, you can expect quick and instant decisions. We understand that time is of the essence, and waiting for an answer can be stressful. That’s why our appraisal process is designed to provide immediate feedback on both the appraisal value of your jewelry and the approval status of your loan application. With our efficient system, you’ll receive instant decisions, ensuring a hassle-free experience.

Receiving Funds

Once your jewelry loan is approved, you may be wondering how and when you’ll receive the funds. At Southside Pawn, we strive to make this process as convenient as possible for our customers. After approval, you can choose to receive your funds in various ways: cash payment, direct deposit into your bank account, or a check issued by us. The disbursement process is quick and efficient so that you can access your cash promptly. Depending on the option you choose, funds can be available within hours or a few business days.

Protecting Your Valuables

Insurance Coverage

When you pawn your jewelry at Southside Pawn, you can have peace of mind knowing that your precious items are protected. During the loan period, your jewelry is covered by insurance. This means that if any unfortunate incidents occur, such as theft or damage, you will be compensated for the value of your items. Southside Pawn understands the importance of safeguarding your valuables and takes every precaution to ensure that they are protected.

Safe Storage

At Southside Pawn, the safety and security of your jewelry is a top priority. They provide secure storage facilities to keep your valuable items safe during the entire loan period. Whether it’s diamond rings, gold necklaces, or antique watches, you can trust that your jewelry assets will be stored in a controlled environment with state-of-the-art security measures in place. With Southside Pawn, you don’t have to worry about the safety of your valuable possessions.

Confidentiality Assurance

When dealing with Southside Pawn, confidentiality is guaranteed. They understand the sensitive nature of pawning valuable items and take every measure to maintain the privacy and security of their customers’ personal information and loan details. You can trust that all transactions will be handled discreetly and confidentially. Southside Pawn values their customers’ trust and strives to provide a professional and confidential service at all times.

Closing Thoughts

In conclusion, when it comes to getting the best loans on jewelry, Southside Pawn is your go-to option. We’ve covered a range of topics in this article, from understanding the loan process to protecting your valuable items. Our competitive loan rates and variety of jewelry loans ensure that you’ll find the perfect solution for your financial needs.

Now that you have all the information, it’s time to take action. Visit our website or give us a call to start the loan approval process today. Don’t let your jewelry sit idle when it can provide you with the funds you need. Trust Southside Pawn to provide you with a seamless experience and the best loan options available. Your valuable possessions deserve nothing less.

Frequently Asked Questions

How does Southside Pawn, a pawnshop business, offer the best loans on jewelry with the best price for incoming merchandise?

At Southside Pawn, we provide the best loans on jewelry by offering competitive rates and a variety of loan options. Our loan process is straightforward and transparent, ensuring you get the most value for your jewelry while receiving excellent customer service.

What types of jewelry loans does Southside Pawn offer?

thside Pawn offers a variety of jewelry loans, including loans for gold, diamonds, watches, and other valuable pieces. We accept a wide range of jewelry items as collateral, allowing you to access the cash you need quickly and conveniently.

Are the loan rates at Southside Pawn competitive?

Yes, at Southside Pawn, we pride ourselves on providing competitive loan rates for our customers. We understand the importance of fair pricing and strive to offer rates that are favorable compared to other pawnshops in the area.

How can I protect my valuables when getting a jewelry loan at a pawnshop?

When getting a jewelry loan at Southside Pawn, we take every precaution to protect your valuables. Our secure storage facilities ensure that your jewelry is kept safe throughout the entire loan period. You can have peace of mind knowing that your items are in good hands.

What is the loan approval process at Southside Pawn?

The loan approval process at Southside Pawn is quick and hassle-free. Simply bring in your jewelry item as collateral, and our expert appraisers will evaluate its value. Once approved, you will receive your cash loan immediately, allowing you to meet your financial needs without delay.

We continue our aggressive attitude even with jewelry that may need repair.  A staff jeweler working on site allows for the direct control of repair cost, giving our store a strong lending advantage on your jewelry. Cash is what a jewelry transaction is all about, that’s why we insist:
no other store will loan you more.

Southside Pawn will give you the best loans on jewelry!
Southside Pawn will give you the best loans on jewelry!