Gems N’ Loans

Michelle (not the manager Michelle) is rude, poor customer service. Not very hospitable or helpful and she isn’t very conversational either. Didn’t make me feel welcomed.

Loving the jewelry they have, they have the best product and they really care about their customers and they provide the best customer service and they actually care about their customers as if they are family

My boyfriend and I stopped by to just check it out some rings after lunch nearby. Don has welcomed us with his professional opinions about diamonds and offered us great price on some jewelries. I have some of my own jewelries evaluated too and of course they won’t give you the full price you’ve paid for but to be fair their offer is definitely better than other shops. We didn’t end up buying rings but we’d come back for sure when we decide to actually make moves lol highly recommended pawn shop !

My first pawnshop experience! Awesome place! Fun, friendly staff! The manager Dante was so helpful! No pressure! They were there when I needed them! I will definitely come back! Thank you guys! Keep up the great work! Much success to you all!

Only go here if you are ABSOLUTELY DESPERATE to get rid of items you no longer need. Called and asked if they accepted electronics, they said they did so when I got the chance I went and got my estimate. Then I just packed my stuff up and left. Offered to give me maybe 20% of what you can get for on eBay for the items. Absolute rip off. Gave two stars because the first lady who helped me was extremely polite and the supervisor got the estimate done in a reasonable time. Besides that, not even worth the drive over.

I talked to these people on the phone about my silver bar, they give me a price. Then I go in to their store, and they offer $ 400 less than they said on the phone. THIS PLACE HAS POOR QUALITY JEWELRY AND EVERYTHING ELSE. I WENT TO Pacific coast coin in carlsbad. They gave me $ 300 more with excellent service… just saying prepare to be screwed around by gems and loans…

After visiting two pawn shops on Coast Hwy in Oceanside I came to Gems N’ Loans. Richard was extremely nice and pleasant. He gave me $ 130 more than the Coast Hwy pawnshops offered (he did not know what the others offered me for a loan).

I’ve been a customer here for many years. ALL/​EVERYONE employed here have always given 100−150% Professional Service. If anything has gone awry, they’ve handled it in the utmost kindness; workable and considerate way. I’ve had transactions with several Employees (a/​w/​a the Owner) can’t remember all their names; but I do remember (a new Employee), «Jeff» (b/​c I’ve had several (recent) transactions with him). Jeff has assured my transactions are expedited smoothly, accurately, etc. His demeanor and professionalism is always very refreshing. That is Good & shows that, GEMS N LOANS knows what they’re doing –even in hiring new Staff; to keep the Legacy of EXCELLENCE :-) Regina N.

Do not do business here!!!
Horrible business ethics, horrible customer service, unfriendly employees who are a bunch of hustlers, always a long line so expect a 20 – 30 minute wait for a transaction that should take less than 5 minutes. If you’re pawning something, they will give you maybe 5−10% of it’s value if you’re lucky. If you’re buying something, all their merchandise is way overpriced especially considering it’s all used and they gave the former owner peanuts for it. You can get the exact same item, brand new, for the same price or less if you shop around a little. If you like being ripped off and taken advantage of, waiting, and being treated poorly in general, then go to gems n’ loans.

I’ve been coming here for the past 10yrs and all i can say is that I’m always satisfied with either selling my unwanted jewelry or buying from them. I recently purchased a ring (want not a need. Lol) from this great guy «Israel» who gave me an awesome deal. Israel provided me great customer service and was very professional. I definitely recommend this place and ill definitely keep coming back here for another 10yrs!
Isra thanks! LIVE LIFE.

You hear all the horror stories of people going to places like these. You think it could never happen to you. Today I walked into this store with an intent to sell my ring. I just bought it a few months ago. 1 ct diamond with 14k white gold band. Brand new. No scratches or deformities. Never been worn! As I walked in I was greeted in an off putting manner. As if I had just walked in and they were doing me a favor for allowing me to sell my ring. As I was telling the gentlemen that I wanted to sell. He asked for the ring right away and started appraising it. He ran a «test”(by test I mean he rubbed it a little on leather.) and looked at it with his magnifying glass, to determine it’s value. He asked me what my price was. As I did not want to give him the idea that I knew a fair and reasonable price, I simply stated what do you think? He said well looking at this small ring I really could only do $ 60. In complete shock I said no thank you and proceeded straight to the door. It just goes to show that this place is looking to take advantage of anyone who randomly walks in there. If you really want to get a fair and reasonable price this is not the place!

my first «pawn shop» experience came through this place, today! Now, I understand that this is chain which has like 8 shops only in North County San Diego, so I am sure the level of service/​quality will vary a lot but from the one I went to, (Oceanside, Mission Ave) this place is F *** AWESOME!!!
I honestly did not expect, fair and legit prices (I needed some emergency cash so decided to check out what I could get for my Tag Heuer watch. As the needed amount wasnt that big, I thought I would just «pawn» it instead of selling it but honestly I was mentally prepared to hear a ridiculous price and walk off, I mean thats the kind of image I had of pawn shops (thank you television for once again portraying a different picture of reality!!).
Not only was the place NOT full of addicts and or prostitues peddling their stolen merchandise, It felt like a very standard and legit establishment from the second I walked in. But the biggest surprise was that I was offered a very fair (roughly half of my purchasing price, but keep in mind that this really was a luxury watch (tag Aquamarine Auto) and it was in whats commonly known as Mint condition. Well it should have been given I wore the watch maybe ¹⁰⁄₁₂ times in the 6 months I had it. Even after considering all those factors, I am still pleasantly shocked at the price I was offered! Heck it was good enough to change my target of loan to selling it straight away! (Total it took about 20, minutes from walking in to walking out with cold hard cash!))
The dude I dealt with, (his name is Dante, ask for him if you ever visit… not only a cool person, but also very fair and friendly. I will definitely visit again If I ever need to pawn again (I hope I won’t) or If I am in the lookout for buying some good deals.(looked like they deal mostly in Jewellery, music stuff and big screens)…Would recommend this place, HIGHLY!

I went to Gems N’ Loans, Oceanside yesterday to help my daughter with a ring she had pawned there. I was assisted by Jessica O’Dell who was fabulous! She was so very kind and helpful! I highly recommend Gems N’ Loans and can’t praise Jessica enough. She is a tremendous asset to Gems N’ Loans!

God awful service to me. I purchased a ring the very first time i went into here. Got it resized for my hubby and sent him to pick up with all information… nothing. I called before hand still nothing. I am sick and i had to get out of bed to go get his ring. God awful customer service but a great big friendly security officer. My first and last time ccoming to this business.

First of all if your desperate you will get screwed. I was first offered only 25 for my gold 14k ring… I wasn’t really desperate for the money so I told him It was worth more to me just keeping it stashed away somewhere. Then it was raised by 5 dollars. Bracelet raised by 10 dollars. I would go to AAA cash for gold. They offered me more AND since I sold them a lot of jewelry they gave me an extra 10% cash back.

I went here with hopes to get more money for a ring I had than other places were offering. I was pleasantly surprised when they offered $ 245.00 for the ring I had even tho it was completely broken. Other places were trying to offer me barley over $ 100.00 for it but they gladly more than doubled that. They were so nice from the point I walked inside to the point I left and a nice man named Cesar helped me a lot. I will happily go back there anytime I need to sell back or even buy jewelry. They had a lot of beautiful things there. I highly advise you to go here rather than anywhere else and you won’t be disappointed.

I had some old jewelry that I needed to get rid of. I had been carrying it around for a few weeks and in the process of buying my new truck I needed a little extra cash.
I found GEMS-​N-​LOANS on line and just decided to take a stab that they would be a good place to go. Afterall I am not committed if I don’t agree with what they offer me. I did a little online research to get an idea of what I expected to get.
The gentleman (Oscar? I think, I can’t find his business card) that helped me was very welcoming and nice. He took a little time inspecting my items and offered me what I thought was pretty close to a reasonable offer. I haggled just a tiny bit. I was happy overall with the service. If I ever need to go to a pawn store again I will definitely come here.