About Gems N' Loans

Trusted by Thousands Across Oceanside, Vista, Escondido, & Temecula

Our Story

For decades, Gems N' Loans has proudly served the communities of Oceanside, Vista, Escondido, and Temecula with honest, reliable pawn and financial services. As a family-owned business, we’ve built our reputation on transparency, trust, and top-dollar payouts—offering a level of care and professionalism that sets us apart.

Who We Are

Gems N' Loans is more than just a pawn shop. We’re your neighborhood partner for fast cash, luxury shopping, and professional jewelry services. Whether you're selling gold, shopping for a one-of-a-kind piece, or securing a short-term loan, our experienced team is here to help every step of the way. Our mission is to empower our customers by providing access to fast funds, great deals, and trustworthy service. At Gems N' Loans, our goal is to create lasting relationships—not just transactions.

Why Locals Choose Gems N' Loans

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LOCAL SMALL BUSINESSES

Proudly serving Oceanside, Vista, Escondido, & Temecula.

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EMPLOYEE & VETERAN-OWNED

We take pride in serving our community with integrity and firsthand commitment.

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Over 30 YEARS IN BUSINESS

A trusted name in San Diego pawn services.

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Community-Focused

Supporting our local neighborhoods is part of who we are.

Hear From Thousands of Our Valued Customers

Hear directly from over 5.5k of our customers about why Gems N' Loans is their preferred pawn shop. Real stories from satisfied clients who received exceptional service and the best payouts.

Our Partners & Associations

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Visit Your Nearest Gems N' Loans Today

Stop by any of our locations to see why Gems N' Loans is where the pros go to buy and sell. Whether you're here for a loan, to shop, or to sell your valuables, you're always welcome.

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A pawn shop with a sign that says gems n loans