How do you get a Loan at Chapes-JPL?

Call Chapes-JPL today at (404) 504-7021 to schedule a no-obligation asset appraisal appointment; or simply contact us online and an authorized representative from one of our offices will contact you within a few hours. If you need a response sooner, please call us directly.

Come in for your no-obligation asset appraisal appointment Unlike a local pawn shop, our office in Atlanta, Georgia is located within a high rise financial building for your discretion and the privacy of your transaction. There are no bars or gates on the windows; no glass cases filled with client merchandise; no tools, bicycles or televisions scattered about; just comfortable office spaces to conduct your personal business privately.

We do not require credit checks, tax returns or bank statements for our loans. Our loan qualifying procedure is completely confidential and most of these asset loans can be performed in less than 20 minutes.

Q: What Can I Use As Collateral For My Loan?

A: While the majority of loans we do are on jewelry, diamonds and fine timepieces like Rolex®, Breitling® and Patek Philippe®. We also do loans on collectible and exotic automobiles, boats, personal watercraft, motorcycles, silver flatware and fine handbags such as Louis Vuitton® and Hermes®. For criteria on loans other than jewelry please contact us.

Q: What is the Loan period? How long do I have to pay back my loan?

A: Loans are made as 30 day loans, but can be renewed for as many additional 30 day periods the client needs. There is no maximum time that a client must pay their loan back by. Nor is there a minimum loan period, since loans can paid back at any time with no prepayment penalty. In addition, Chapes-JPL offers our clients the opportunity to make payments towards their principal, lowering their loan amount each month. Since you have the ability to extend the loan period and make payments towards the principal, you are in full control of how long or short your loan with Chapes-JPL is.

Q: What Should I Expect at Chapes-JPL’s Location?

A: We offer our clients a relaxing and comfortable office setting to discuss their options. Like with any lender please let us know the amount of money you need to borrow and what collateral you would like to use. If we agree on a value then a simple one-page contract is issued and your funds are given to you immediately. The whole process takes about 20 minutes. Loans other than jewelry may take longer due to the research time needed.

Q: How much will my monthly payment be?

A: Your monthly payment consists of interest only. Unlike many of our competitors, we never charge security, storage, or insurance fees. The monthly payment will depend on the amount of the loan and the value of the collateral used for the loan with monthly rates as low as 3%.

Q: What Do I Need To Bring With Me Besides My Collateral?

A: A valid photo ID is required for all transaction. Please also note that fingerprints will be taken.

Q: How Am I Paid If I Decide To Do A Loan On My Items?

A: Payouts to the customer are made via company check. Checks can be cashed immediately during bank hours. Sorry, no cash is kept on the premises.

Q: Are my items safe when I use them for a loan?

A: Your items are completely secured and insured, For your protection, as well as ours, all collateral is photographed, insured and stored at one of our off-site bank vaults.

Q: What Forms Of Payments Are Accepted To Renew Or Pickup My Loan?

A: Interest payments in the form of cash, money order or debit/credit card are accepted. Cashier’s checks and money orders can be mailed and payments via credit card are accepted by phone. Loan pickups, however, can only be redeemed with cash or by official bank wire. Sorry, personal checks are not accepted.

Q: What If I Refer A Customer Or Client?

A: Refer a customer to us and we will pay you 1/2 of the first month’s interest on any loan that is issued OR 5% of any purchase that is made. And you get your referral fee when the paperwork is processed! Referral fees are based on the referred party’s first transaction. One referral fee per distinct customer. Referring party must call ahead to notify us of client referred to receive fee.

Not A Typical Pawn Shop?

To sum it up:

• While typical pawn shops charge high rates that often leads to default, our loans are affordable, to ensure you pay off your loan.
• We have been the trusted name in asset-based lending for 30 plus years.
• We typically pay and loan 2 to 3 times more than the average pawn shop!
• Our interest rates on loans are some of the lowest in the industry.
• Unlike typical pawnbrokers, we understand the value of your jewelry for a loan.
• No pressure – we provide a discreet and comfortable setting for our clients.
• Security – your items are insured and kept in a bank secured vault until you are ready to pick it up.