Our mission is to provide our pawn shop customers with an experience that is far above what they would normally expect from a "pawn shop." We do not deal in the business of items such as electronics, musical instruments, autos or other general consumer products. Nor do we sell jewelry on premises. Our pawn shop experts in buying jewelry and focus on fine gems and precious metals, ensuring that your piece will be accurately appraised, and that you'll receive the best cash prices on sales or loans in our area.
We know that there are times when the need for instant cash comes up, especially in today's hard economy. Selling or taking a loan out on your jewelry offers our customers the opportunity to meet their immediate needs that other financial institutions are not delivering. In our pawn shop we understand that your item may have sentimental value in addition to its cash value, that's why we always will provide you with professional, courteous and discreet service, deal fairly and honestly, and make your transaction with Empire a positive one. Over the years, we have built a reputation based on this mission, and believe that is why we enjoy the referrals and repeat business of hundreds of who have come to rely on us, as our loyal customers confirm.
you have any questions, we’re eager to help you. Please call
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How long do I have until my loan is due?
A loan consists of a total of 4 months plus an additional 10 days grace period. Do I need identification in order to get a loan or sell an item? Yes, a valid government-issued I.D., passport or consular I.D. are required in other to obtain a loan or sell an item. What's the percentage I will get for my item? There's no exact percentage, however, the majority of loans will consist in around 35% of the resell value. Disclosure of Loan Interest Fees and rates:
A. provide a minimum and maximum period for repayment annual Percentage Rate (APR), which generally includes the interest rate plus fees and other costs for a year based on California Law. B. Representative example of the total cost of the loan, including all applicable fees C. This loan has 180 to-be-paid loans from the date the loan is issued All loan interests $2,500 and under are regulated by the California State. California State Interest The following is the California law on basic interest charges for pawnshops as of January 1, 2002. The actual law can be found in California Financial Code Section 21200.5. The description of the law below has been rewritten in laymen's terms. A 2.5% interest charge per month on the principal (loan amount) of the loan, including, but not more than $225. A 2% interest charge per month on a principle loan amount of more than $225, including, but not more than $900. A 1.5% interest charge per month on a principal loan amount in excess of $900, including, but not more than $1,650. A 1% interest charge per month on a principal loan amount from $1,650 to $2,499. Loans $2,500 & Over Interest is Negotiable for all loans starting from $2,500-$30,000, we have special programs for high-valued loans and our interest rate is lower then other financial lenders. Loans or Buys $2,500 and over must be called in prior to coming due to security restrictions. APR Details An example of a loan with an amount financed of $525 would incur in a 33.14% APR and the total amount due at the end of 4 months in order to redeem your item will be $599.75.