Frequently Asked Questions
Pawnshops do short term collateral loans on items of value. All loans are non-recourse loans meaning nothing goes against your credit if you do not repay. Atlas Loan & Jewelry lends money on items of value ranging from gold and diamond jewelry, musical instruments, televisions, electronics, coins and more. Loans are based on the value of the item. In California the loan term is 4 months with a 10 day grace period and can be renewed or redeemed at any time. All fees and rates are regulated by the state.
Atlas Loan and Jewelry will also buy items if the customer prefers to sell. We normally offer more money for purchases compared to loans.
How do you determine the value of an item?
Our experienced staff at Atlas Loan & Jewelry will use all of the resources and tools we have to determine your items value and get you the most cash possible. The value is based on your items current condition, our ability to resell the item and the items current appraised value. All items are tested to ensure accuracy and in the case of electronics to ensure they work properly.
What type of identification is needed?
California requires all pawning or selling customers to be a minimum 18 years old with a valid ID. Acceptable forms of identification include state issued drivers license, state ID card, US and International Passports and Matricula Consular ID cards.
What happens at the end of the loan term?
Loan terms are 4 months with a 10 day grace period. At the end of the four months Atlas Loan & Jewelry is required to mail you a notice giving you an additional 10 day grace period. Loans can be redeemed at any time by paying off the loan principal, interest and all fees. If you are unable to pick up your item by the contracted due date you can renew your loan by paying all outstanding interest and fees and receive a new replacement loan.
Loans are forfeited (lost) if not paid in full or renewed by the contracted date. After the 10 day grace period the items are forfeited and become the property of the pawnshop. This action does not affect the customer's credit because all loans are non-recourse.
Frequently Asked Questions (FAQ)
Atlas Loan & Jewelry Shop – Bellflower, CA
What services does Atlas Loan & Jewelry Shop offer?
Atlas Loan & Jewelry Shop provides pawn loans, collateral loans, jewelry buying and selling, gold buying, luxury handbag purchases, electronics sales, tool sales, musical instrument loans, and more. We help customers throughout Bellflower, Long Beach, Downey, Lakewood, Cerritos, and surrounding Southern California communities.
How do pawn loans work?
A pawn loan allows you to use an item of value as collateral for a short-term cash loan. Bring your item into our shop, and our experienced team will evaluate it and offer a loan amount based on its value. Once the loan is repaid, your item is returned to you.
What items can I pawn or sell?
We accept many valuable items, including:
- Gold and silver jewelry
- Watches
- Diamonds
- Luxury handbags
- Coins and coin collections
- Electronics
- Musical instruments
- Power tools
- Laptops and computers
- Cameras
- Stereo equipment
- Sports memorabilia
If you are unsure whether we accept your item, simply contact us or stop by for an evaluation.
Do you buy gold and jewelry?
Yes. We buy gold, jewelry, diamonds, watches, platinum, sterling silver, engagement rings, and estate jewelry. We oƯer competitive pricing and fair evaluations.
How quickly can I get cash?
Most transactions can be completed in minutes. There are no credit checks, lengthy applications, or waiting periods. Bring in your item and walk out with cash the same day.
Do I need good credit to get a pawn loan?
No. Pawn loans do not require credit checks because your loan is secured by your collateral item.
What happens if I cannot repay my loan?
If the loan is not repaid by the due date, the collateral item may become property of the pawn shop according to California pawn regulations. There is no impact on your credit score.
Is my information kept confidential?
Yes. We handle all transactions professionally and confidentially while complying with California state pawn regulations and identification requirements.
How long has Atlas Loan & Jewelry Shop been in business?
Atlas Loan & Jewelry Shop has proudly served the Bellflower community and surrounding areas for more than 50 years.
Are your loan rates regulated?
Yes. Pawn loan interest rates are regulated by the State of California. We also oƯer discounts on certain loans and promotional no-interest periods on qualifying loans.
Can I shop your inventory online?
Yes. Customers can browse available inventory online, including jewelry, electronics, tools, and more through our online marketplace.
Do you offer loans on luxury handbags?
Yes. We buy, sell, and oƯer loans on luxury handbags from many popular designer brands.
Why choose Atlas Loan & Jewelry Shop?
Customers choose Atlas Loan & Jewelry Shop because of our:
- Over 50 years of experience
- Friendly and knowledgeable staƯ
- Fast and hassle-free loan process
- Fair market evaluations
- Competitive cash oƯers
- Trusted local reputation
- Wide inventory of quality items
Where is Atlas Loan & Jewelry Shop located?
Atlas Loan & Jewelry Shop is conveniently located at:
16522 Bellflower Blvd
Bellflower, CA 90706
We are easily accessible from the 91 Freeway and proudly serve Bellflower and surrounding communities.
What are your business hours?
Business hours may vary, so please call ahead or visit our website for current hours of operation.
How can I contact Atlas Loan & Jewelry Shop?
You can contact us by phone at:
Or visit our website to learn more about our services and inventory.
