About Us

NOT YOUR TYPICAL PAWN SHOP

Universal Jewelry & Loan, Inc. is dedicated to providing fair and honest solutions for our customers. As soon as you walk in you will be welcomed into an organized, carpeted, modern-feeling atmosphere. You may even hear soft music playing in the background. Looking for jewelry?....head on over to our secluded jewelry department, where you will experience one-on-one service, premium jewelry choices and options to custom-order brand new jewelry pieces. Honesty, Integrity, Respect.

HOW DO PAWNS WORK?

A pawn is a secured short-term cash loan. Basically, when someone is in need of quick cash, they will bring us items of value, of which we will determine a loan value. The customer will receive cash at the moment of transaction and the item(s) will be securely stored and insured with us, until the customer redeems the item. The initial loan period is 3 months, but if a customer needs additional time to pay for the item, they have that option. They will just need to pay the interest/storage cost for the initial 3 months, and the loan will be extended an additional 3 months. This renewal process is allowed to continue for as long as the customer needs it to.

Mon	11:00 am – 06:00 pm
Tue	11:00 am – 06:00 pm
Wed	11:00 am – 06:00 pm
Thu	11:00 am – 06:00 pm
Fri	11:00 am – 06:00 pm
Sat	11:00 am – 04:00 pm
Sun	Closed

UNIVERSAL PAWN & GUN EXCHANGE

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About Us

NOT YOUR TYPICAL PAWN SHOP

HOW DO PAWNS WORK?

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Universal Jewelry & Loan, Inc.

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