Costa Mesa · Orange County
Panerai Loans
Borrow against your Panerai and walk out with cash in about 15 minutes. Under 3%/mo effective up to $2,499 ($2,500+ set individually), no credit check, and you keep ownership — repay anytime and the watch comes back to your wrist.
- 4.7★ from 89+ reviews
- Licensed CA pawnbroker
- Family-owned since 2007
Free evaluation
Get cash in 15 minutes
Tell us what you have. We’ll come back with a number — no obligation, nothing to sign.
15 min
typical visit
Under 3%/mo
effective on loans up to $2,499
4.7★
89+ reviews
How a Panerai loan works
A collateral loan is not a sale. Your watch is held securely, and it comes back to you the moment the loan is repaid.
- 01
Bring the watch in
No appointment needed. Walk into the Costa Mesa shop during opening hours.
- 02
Free evaluation
A 40-year veteran watchmaker inspects it and prices it against current market data.
- 03
Take the cash
Accept the offer and leave with money the same day. Most visits take about 15 minutes.
- 04
Repay, collect it
Pay the principal plus interest whenever you're ready and take your watch home.
The terms
Under 3%/mo
From under 3% per month effective on loans up to $2,499. Loans of $2,500 or more are negotiable, depending on collateral and loan-to-value.
- Credit check
- Never
- Funding
- Same day
- Repayment
- Whenever you're ready
- Privacy
- 100% confidential
Visit the shop
1860 Newport Blvd, Costa Mesa, CA 92627
Mon–Fri 10:00am – 4:30pm
After-hours appointments available
Panerai models we lend on
Luminor
Loans on every reference, any year
Radiomir
Steel, gold, and platinum accepted
Submersible
Dive models in steel, titanium, Bronzo
Luminor Due
38mm to 45mm, every dial
Luminor Marina
Carbotech, titanium, and steel
Radiomir Black Seal
Hand-wound and automatic accepted
Loan disclosure
Rates, terms & example
Every loan is written with no credit check and to the same four-month renewable term. Charges depend on the loan amount.
- Minimum repayment period
- 1 month — redeem anytime
- Maximum repayment period
- 4 months, renewable
- Maximum APR
- 33.6% on loans up to $2,499
Small loans ($500 – $2,499): charges follow the California Financial Code schedule for loans under $2,500; the only fee is a $9 loan documentation fee; effective cost is under 3% per month over the full term; maximum APR 33.6%. Representative example: a $2,000 loan for the full 4-month term costs $162.88 in total charges, including the $9 documentation fee. Total to redeem: $2,162.88. APR: 24.43%.
Loans of $2,500 or more are negotiable, depending on the collateral and the loan-to-value. Terms are agreed individually before the loan is written — ask us for your rate.
All loans are written for a 4-month term (the California minimum) and are renewable; you may redeem at any time. CA Pawnbroker License 000003544.