Personal Asset Loans
Use your gold, silver, coins or fine jewelry to secure a loan, and get them back once the loan is repaid. No credit check, and your item is insured while we hold it.
High-End Loans, Low Rates
Sunset Jewelry & Loan specializes in high-end loans, mostly on gold, silver and coins. Whether you need a little extra cash to get through the month or a substantial loan against a collection, we can finance just about any size loan you might need.
Our rates are some of the most competitive in the area. We can't publish interest rates, but if you're shopping around, call or stop in and compare.
- Licensed, bonded and insured: your items are protected the entire time they're with us
- Loans from a few hundred dollars to much larger amounts
- No credit check, and nothing reported to credit bureaus
- Respectful, private service. You will never feel pressured
- Same owner, same Clearwater location since 2002
How It Works
We Evaluate
Call or stop by and one of our qualified staff will evaluate your item. We enjoy the evaluation process!
We Make an Offer
If you accept, you get cash on the spot. You'll be treated with respect and never feel pressured.
You Redeem, We Return
Pay back the loan and any interest owed, and your item is safely returned to you.
Frequently Asked Questions
What do you accept as collateral for a loan?
We specialize in high-end loans on:
- Gold & silver jewelry, bullion and coins
- Rare and collectible U.S. and world coins
- Diamonds & fine jewelry
- Luxury watches
Have something else? We have provided loans on many other types of items. Call us to see if we can help.
How much can I borrow?
Loans are based on the value of your item, and we can finance just about any size loan, from a few hundred dollars to much larger amounts. There's no law that says you have to borrow the maximum.
What is the interest?
Federal and Florida law set the maximum interest that can be charged. Sunset Jewelry & Loan works on a sliding scale based on the item and the amount you borrow, and in most cases our rates are far below the federal and state maximums.
Shopping around? We have some of the most competitive offers in the area. Call or stop in and we'll explain your options so you get the best terms possible.
How do I know my items are safe?
We are licensed, bonded and insured. Your items are protected from the day you bring them in until you repay the loan.
Who values my items?
Our experienced staff. Most of the time we can give you an immediate assessment. On occasion we consult outside experts to make sure you get a fair value.
How do you determine the loan amount?
Loan amounts are based on market value, not the original cost of an item. Gold, silver and platinum are assessed first by purity and weight, then by maker; a Tiffany or Cartier piece, for example, commands a premium. Diamonds are valued by cut, clarity and color at wholesale prices. Coins and other items are valued using established auction prices and other market data.
Can I have more than one loan at a time?
Yes. There's no limit to the number of loans you can have, or how many times you can borrow.
Can the loan be renewed?
Absolutely. Renewal dates and terms are set by Florida law. Please call or visit the store to renew; existing loans can't be handled by email.
Do you check my credit?
No. Your item secures the loan, so there are no credit checks and nothing is reported to credit bureaus.
Ready to talk about a loan?
Call us or stop in. Evaluations are free and there's no obligation.