Jewelry Loans As Low as 3%

Get More & Pay Less at Chapes-JPL.

Low RatesWe’re renowned for the lowest interest rates in the industry.

ConfidentialWe take your privacy seriously. Nothing leaves our offices.

SecureYour collateral is insured and stored in bank vaults for FREE.

FastLeave with the money you need in as little as 15 minutes.

Jewelry Pawn Shop

Looking to pawn your jewelry? Look no further. Get a loan on jewelry with the nation’s premier asset and jewelry lender, Chapes-JPL. For 38 years, we have been providing our clients with low-interest loans on gold, silver, diamond, and platinum jewelry. We always welcome the chance to do business with new clients to prove our commitment to service, confidentiality and integrity. Bring in any item of value and our certified appraisers will be happy to provide you with an accurate valuation of your item(s), free of charge. We’re ready to help you succeed financially. Come and experience the difference at Chapes-JPL.

How Jewelry Loans Work


Find an item of value (rings, chains, watches, bracelets, etc.) to pawn.


Bring your item of value to Chapes-JPL and get cash in your wallet in minutes.


Pay back your loan on the due date or extend your loan for another 30-Days.


Get your item of value back and live happily ever after.

Call Us & Get A Free Estimate 404-504-7021

We make the process easy

Pawning jewelry is never an easy task. Aside from the tedious negotiation process and having to deal with unscrupulous employees, jewelry pawn shops also carry a level of risk that most people find uncomfortable. Fortunately, Chapes-JPL makes the process of pawning jewelry as easy and transparent as possible. Our convenient location and certified jewelry appraisers eliminate any doubts about safety and integrity. We make the loaning process straight-forward, comprehensible, and gimmick-free.

We Lend More & Charge Less

Chapes-JPL is renowned for having the lowest interest rates in the industry. Through trial and error, we’ve streamlined our operations to yield the highest returns on our investments. That has allowed us to offer interest rates as low as an unprecedented 3%. Additionally, we’ve invested our time and energy in getting the most advanced tools and team members to make the jewelry appraisal process precise, equitable, and brisk. Our level of optimization has rendered high-interest jewelry loans obsolete, a practice we’re proud to have helped abolish.

Why Our Clients Choose Us

Since 1980, we’ve dominated our industry because of our commitment to our client’s financial success. Our clients choose us simply because of our determination to make every interaction prosperous for them. Unlike a typical pawnbroker, we’re in the business of assisting our clients when they need it the most. As evidence, we’ve refrained from selling pawned jewelry because we believe that would be in direct conflict with our mission. We’re not in the business of capitalizing on our client’s financial distress. Chapes-JPL is here to help.

Compare Our Rates & Save

Jewelry backed loans shouldn’t be predatory. Compare our rates to what typical pawn shops are charging and see how much you can save. The following table illustrates how much your monthly and total interest payment would be if you borrowed $250, $500, $1,000 and $5,000. (n = number of months you plan to keep the loan)

Loan AmountChapes-JPL (8% Interest)Typical Pawn Shop (25%)
$250$20.00(n) + $250$62.50(n) + $250
$500$40.00(n) + $500$125.00(n) + $500
$1,000$80.00(n) + $1,000$250.00(n) + $1,000
$5,000$250.00(n)* + $5,000$1,2500.00(n) + $5,000

*Rates as low as 5% on Loans over $5000

Loan Payment Calculator

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Frequently Asked Questions

A jewelry collateral loan is a short-term secured loan against jewelry. In layman terms, it is a loan that is secured by presenting a piece of jewelry as collateral. These types of loans are best suited for clients that need quick cash for 30-Days or less. However, Chapes-JPL does allow its clients to extend their loan period.
We accept all types of jewelry including earrings, necklaces, torcs, bracelets, bangles, rings (engagement rings, class rings, championship rings, wedding rings, toe rings, and etc), pendants, lockets, loose diamonds, and watches. Please note that all jewelry must be authentic and made out of a precious metal or gemstone. If you have any questions, please call (404) 504-7021.
We calculate the value of gold jewelry using the current trading price of gold (acquired from websites like Kitco), the purity of your gold jewelry (e.g. 10k, 14k, 24k), and the condition of your item. The value of silver and other precious metals are calculated in the same way. However, we calculate the value of diamonds in accordance to the diamond’s 4Cs (cut, clarity, color, and carat) and the current trading price of diamonds (acquired from Rapaport Diamond Report).
Chapes-JPL issues loans on a 30-Day period. However, our clients have the option of paying back their loan sooner without being charged a prepayment penalty. More importantly, our clients can exercise the option of extending their credit for an additional 30-Days and paying only the interest accrued from the previous month.
Yes, Chapes-JPL does allow clients to pawn jewelry online. We have the capacity to accommodate all clients that reside in the United States. We have special policies and procedures in place that will make the process of pawning online seamless and secure. To get more information, please fill out the form on the top of this page or call our offices at (404) 504-7021.
We are located in the Lenox Building on Lenox road. We operate from a private and highly secure office situated in the beautiful Buckhead district. Our address is 3355 Lenox Rd NE #875, Atlanta, Georgia 30326.