Loans

The process of obtaining a loan from Avalon Jewelers is easy, dignified and confidential. Upon entering our location you will be directed to one of our private offices. The amount you will be able to borrow will be based on our appraisal of the value of your collateral. We have experienced gemologists, trained at the Gemological Institute of America, who are prepared to give a fair evaluation of your collateral.

Once the loan amount has been agreed upon, a pledge agreement will be prepared for your signature. The terms of the pledge agreement have been determined by the laws of the state of Georgia. After you have signed the pledge agreement, you will be given the entire amount of the loan and a copy of the agreement. There are no upfront fees or costs charged.

All jewelry held as collateral will be stored in our safe deposit box at our bank. No jewelry will be held on the premises. One day’s notice must be given to enable us to secure pledged jewelry from our bank.

All loans are for one month. If, at the end of the month you want to extend your loan, you simply pay the monthly interest. Upon receipt of your monthly interest payment, your loan will be extended for another month. If your interest payment is three (3) weeks late, there is a 1% late fee based on the loan amount. If your interest payment is four (4) weeks late, your loan will be legally in default, and your jewelry can be forfeited.

When a loan does go into default, we will notify you by mail at the address on your pledge agreement. If you do not respond to this notice, your jewelry will be forfeited. Avalon Jewelers understands that anyone can suffer a cash flow problem. We are here to help.

Avalon Jewelers
Shoppes On Mansell
1055 Mansell Rd., Suite #150
Alpharetta, GA 30076
Phone: 770-645-0053

Email us:
avalonone@att.net

Business Hours:
Tuesday - Friday,
10 a.m. - 5:30 p.m.

Saturday, 10 a.m. - 4 p.m.