We will use all the research tools we have at our disposal to determine an item’s value and get you the most money we can. This appraisal process varies depending on the type of item. For example, jewelry is evaluated differently to a DVD player, but every appraisal is done with the intent of getting you the money you need.

Authenticating Gold & Diamonds: When jewelry is the collateral, our professionally trained staff will authenticate the precious metal and diamonds that adorn the piece. We will always ask customers permission to test their item before we begin the authentication process that includes a visual inspection using a jeweler’s loupe, weighing the item, seizing (determining carat weight) any diamond and noting the cut/color/clarity of each-you may know this as the 3 Cs. In addition, we will test the metal using a special acid that determines the karat of gold. This process does not damage customers’ jewelry. It is done to ensure a clean test so there are no false readings on customers item that may detract from what we can loan them.
Testing General Merchandise: When its general merchandise a customer wants to pawn-TVs, stereos, DVD players, cameras, power tools, firearms, etc.-we will test each item to ensure it is in good working condition. That includes, but not limited to a visual inspection, plugging in the item and turning it on, and noting if any accessories are included. The better the condition of the item, the more money we can loan you. This is true for any collateral.
New vs. Pre-owned: Our loan values are based on retail prices, not what the item cost when it was new. Any collateral that is turned over to us and made available for sale is pre-owned and will be priced accordingly on our sales floor. The loan amount we give you is based on that anticipated selling price. Our internal pricing and research department will review thousands of items to ensure that our loan values are in line with the general marketplace for pre-owned merchandise.
Overall Condition of the Item: The condition of an item will always be taken into account during the appraisal process. If one 32-inch television comes in that is in perfect condition and another 32-inch television comes in with a chipped screen, we will loan more on the TV that is in better condition. This is true for any collateral.