Costa Mesa · Orange County
Small Collateral Loans: $500–$2,499
Fast, confidential loans on watches, jewelry, and gold from $500 to $2,499 — no credit check. Newport Watch, Jewelry & Loan is a licensed California pawnbroker, and charges on this product follow the California Financial Code schedule for loans under $2,500.
Rates, terms & example
Every loan under $2,500 is written on the same statutory schedule. The figures below are the complete cost of this product.
- Loan amounts
- $500 – $2,499
- Loan term
- 4 months (the California minimum), renewable by agreement
- Redemption
- Redeem at any time; schedule charges cover the first 90 days
- Fees
- The only fee is a $9 loan documentation fee
- Effective cost
- under 3% per month over the full term
- Maximum APR for this product
- 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%.
For loans of $2,500 or more, rates are negotiable depending on collateral and loan-to-value — call (949) 673-3888.
Free evaluation
Get your offer
Tell us what you have — a watch, jewelry, or gold — and we'll come back with a number. No obligation, nothing to sign.
Visit the shop
1860 Newport Blvd, Costa Mesa, CA 92627
Mon–Fri 10:00am – 4:30pm
After-hours appointments available
Good to know
- No credit check, and borrowing never affects your credit
- 100% confidential — loans are private transactions
- Cash the same day, usually within 15 minutes
- Your item is stored insured and returned on repayment