Family-owned pawnbroker in Santa Monica since 1987, offering collateral-based loans up to $1M, jewelry/watch sales, and cash for valuables.
Data compiled from public sources · Google rating shown when a stored review count is available
Santa Monica Jewelry & Loan has operated as a pawnbroker in Santa Monica for over 35 years, establishing itself as a licensed, bonded, and insured operation (License #19650985). The business is family-owned and positioned as a full-service pawn shop emphasizing personal customer relationships and confidential lending on items other shops decline.
The company offers collateral-based loans up to $1 million, purchases of jewelry, watches, gold, art, and estate items, and retail sales of new and estate jewelry and watches. They position themselves as offering competitive pricing, claiming "top dollar" valuations and prices "at a fraction of competitor's prices." The shop operates 7 days a week from 10 AM to 6 PM and provides bilingual service (Spanish-speaking staff available).
Santa Monica Jewelry & Loan distinguishes itself through membership in professional organizations (California Pawnbrokers Association and National Pawnbrokers Association), emphasis on customer service quality, a clean and professional storefront, and stated experience context in high-value items like Rolex watches and diamonds. They explicitly market the ability to make loans on merchandise other shops reject, positioning themselves as more flexible than competitors.
As a pawn shop, this business is fundamentally a collateral lending operation rather than a credit-building or debt-relief service. Borrowers should understand that pawn loans typically carry high interest rates (not disclosed on the website), require surrendering physical collateral, and result in loss of the item if the loan isn't repaid. The $1 million loan ceiling and claims of beating competitors on pricing are marketing statements not independently verified. This is appropriate for someone researching short-term cash access against valuable possessions, but not suitable for credit repair, debt consolidation, or long-term financial solutions.
This is state-level context for Pawn Shops consumers in Santa Monica, CA. It does not confirm that Santa Monica Jewelry & Loan or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Short-term lending status: Legal
General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Santa Monica Jewelry & Loan offers 10 services including Collateral-based pawn loans up to $1 million, Purchase of jewelry, watches, gold, and precious metals, Purchase of art and estate items, Retail sale of new jewelry and watches, Retail sale of estate jewelry and watches, and 5 more.
Santa Monica Jewelry & Loan has profile signals associated with People with valuable jewelry, watches, or art researching short-term cash access with eligibility claims to verify, Collectors and dealers seeking to buy or sell high-end items like Rolex watches or diamonds, Individuals seeking short-term loans using physical collateral they're willing to risk, Spanish-speaking customers in the Santa Monica area needing accessible pawn services.
Key strengths: Licensed, bonded, and insured operation with 35+ year operating history since 1987; Loans up to $1 million available, accommodating high-value collateral; Open 7 days a week (10 AM–6 PM daily), maximizing accessibility. Areas to consider: No interest rates, loan terms, or fee structures disclosed on website—critical borrowing costs are hidden; Pawn loans result in loss of personal property if not repaid, creating financial risk beyond traditional debt.
In the Pawn Shops category, comparable providers include Cash Plus Pawn, Easy $ Cash Pawn & Jewelry, Sunbelt Pawn Jewelry & Loan #2. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Santa Monica Jewelry & Loan is best suited for individuals with valuable physical possessions who are researching short-term cash access and are comfortable pledging collateral. The main caveat is that pawn loans are expensive short-term financing (rates not disclosed online) where failure to repay results in permanent loss of the pledged item—this is not a credit-building or debt-consolidation solution.
Cash Plus Pawn Fort Worth, TX — Cash Plus Pawn is a pawn shop offering collateral-based loans in exchange for personal items. Limited public information...
Google rating from 124 reviews
Profile signals: Consumers with valuable items (jewelry, electronics, tools) who are researching short-term cash access, People with poor credit or no credit history who may not meet traditional loan criteria
EZPAWN is a pawn shop chain offering collateral-based loans, gold/jewelry buying, and discounted pre-owned retail merchandise at their South Houston location.
Google rating from 1,016 reviews
Profile signals: Individuals researching short-term cash access who have valuable items (electronics, jewelry, tools, firearms) to pledge as collateral, Sellers of gold, diamonds, or precious metals seeking fair-market valuation and quick payment
Family-owned pawn shop chain operating 14+ locations across Houston, Dallas, Irving, and Fort Worth since 2006, offering collateral-based loans, jewelry repair, and merchandise sales.
Google rating from 1,584 reviews
Profile signals: Individuals with valuable items (jewelry, electronics, instruments, firearms) researching short-term cash access with eligibility claims to verify, People in temporary financial gaps who can reliably retrieve pawned items within loan period
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