- Why choose Chapes-JPL?
- What can I use as collateral for my loan?
- What should I expect in a meeting with a Chapes-JPL representative?
- What do I need to bring with me besides my jewelry?
- How am I paid If I decide to sell or make a loan on my jewelry?
- What forms of payment are accepted to renew or pickup my loan?
- How long can I keep my loan?
Why choose Chapes-JPL?
We have been one of the most trusted names in asset based lending in Atlanta for over 27 years. We typically pay and loan 2 to 3 times more than the average pawnshop. Our interest rates on loans are the lowest in the industry. Unlike pawnshops, we know the true value of your jewelry. 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 redemption.
What can I use as collateral for my loan?
Our main focus is of course diamonds, high-grade jewelry and fine timepieces like Rolex™, Cartier™, Breitling™ and Patek Philippe™. We also will entertain loans on recognized named Artwork, Quality Antiques, Collectible and Exotic Automobiles, Boats, Personal Watercraft, Motorcycles, Silver Flatwear, Fine Handbags such as Louis Vuitton™, Channel™, Hermes™ and Gucci™. For criteria on loans other than jewelry please visit chapesjpl.com for more details.
What should I expect in a meeting with a Chapes-JPL representative?
We offer our clients a relaxing and comfortable office setting to discuss their options. Like with any lender you need to state how much money you need to borrow and have the collateral there for us to inspect. 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 take longer because of research time needed.
What do I need to bring with me besides my jewelry?
A photo ID is required for any transaction. Please also note that a fingerprint is taken.
How am I paid If I decide to sell or make a loan on my jewelry?
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.
What forms of payment are accepted to renew or pickup my loan?
Interest payments in the form of cash, money order, cashier’s check or by 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, money order or official check. Sorry, personal checks are not accepted.
How long can I keep my loan?
Loans are initially made for 30 days, but can be renewed for an additional term of 30 days by simply paying the interest. There is no limit to the number of times you can renew.