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Ace Loan Company is a Las Vegas pawn shop offering collateral-based loans at 8% interest on gold and silver jewelry, plus a retail inventory of fine jewelry and collectibles.
Data compiled from public sources
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Ace Loan Company operates as a traditional pawn shop located at 215 N. 3rd Street in Las Vegas, Nevada. The business has been established to serve the community with jewelry-based lending and merchandise sales. The company positions itself as a provider of affordable pawn loans and a retailer of gently used and new fine jewelry.
The company's primary service is offering pawn loans secured by gold and silver jewelry at an advertised rate of 8% interest. They accept a wide variety of collateral including rings, bracelets, necklaces, coins, and fine watches. Loan amounts appear to go up to $5,000 based on their website listing. Beyond lending, Ace Loan Company maintains a retail storefront with an inventory of jewelry for sale, ranging from affordable silver pieces ($29.99) to high-end diamond and gold items (up to $4,999). The company also advertises the ability to purchase scrap gold directly from customers.
Ace Loan Company distinguishes itself through its advertised 8% interest rate, which is notably competitive in the pawn lending space where rates typically range much higher. The company emphasizes a respectful customer experience and describes their merchandise as "gently used" and curated in a "tasteful, affordable way." The physical storefront location in downtown Las Vegas suggests established brick-and-mortar operations rather than online-only lending.
The business model is straightforward and listed based on their website presentation. However, customers should note that pawn loans are ultimately secured transactions where failure to repay results in loss of collateral. The 8% rate advertised may have specific terms or conditions not fully detailed on the website. The company operates locally from a single Las Vegas location, which may limit accessibility for remote customers, though they do provide contact information for inquiries.
This is state-level context for Pawn Shops consumers in Las Vegas, NV. It does not confirm that Ace Loan Co or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Short-term lending status: Legal
General rate context: No general usury cap; payday loans legal with no rate cap (term and amount limits apply)
Nevada allows payday lending with no interest rate cap, though loan amounts are limited to 25% of gross monthly income. The lack of rate caps means APRs can be extremely high. The Financial Institutions Division regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Ace Loan Co has a 96.9% response rate to consumer complaints, with 98.3% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Ace Loan Co offers 12 services including Pawn loans secured by gold jewelry at 8% interest, Pawn loans secured by silver jewelry and items, Pawn loans secured by fine watches and timepieces, Pawn loans secured by coins and collectibles, Scrap gold purchasing service, and 7 more.
Ace Loan Co has profile signals associated with Las Vegas residents researching short-term cash access secured by jewelry or collectibles, Customers with valuable gold, silver, or fine watches seeking short-term loans, People looking to sell scrap gold or liquidate jewelry quickly, Shoppers interested in purchasing discounted fine jewelry and collectible items.
Key strengths: Advertises competitive 8% interest rate for pawn loans, significantly lower than typical pawn shop rates; Accepts diverse collateral types including jewelry, coins, and fine watches; Maintains physical retail storefront with browseable inventory of 20+ jewelry items. Areas to consider: Single physical location in Las Vegas limits accessibility for non-local customers; Website lacks detailed terms and conditions, repayment periods, or rate fine print.
In the Pawn Shops category, comparable providers include A1 CASH NOW, Big Shawn's Buy & Sell, EZPAWN. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ace Loan Company is profile signals for Las Vegas residents with valuable jewelry or collectibles who are researching short-term cash access and prefer the 8% advertised rate over typical pawn lending rates. The main caveat is that pawn loans are collateral-based transactions where unsecured items are forfeited if the loan isn't repaid, and critical loan terms (repayment period, fees, LTV ratios) are not detailed on their website.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-04-08
Las Vegas pawn shop offering collateral loans on luxury items, gold/jewelry buying, check cashing starting at 2%, and MoneyGram wire transfers.
Profile signals: Owners of luxury watches, gold jewelry, or diamonds needing fast no-credit-check cash, Individuals who need to sell gift cards for immediate liquidity
Las Vegas-based precious metals buyer specializing in gold, silver, diamonds, and luxury watches. Buys only; does not offer pawn loans.
Profile signals: People with gold, silver, or diamond jewelry they want to sell quickly for cash, Luxury watch owners seeking to liquidate Rolex or similar timepieces
Las Vegas, NV's EZPAWN at 4155 S Jones Blvd offers quick pawn loans, jewelry purchases, and product redemptions seven days a week.
Profile signals: People who own electronics, jewelry, tools, or firearms and need cash within hours, Bargain hunters seeking brand-name pre-owned goods at deep discounts
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