Pawn Shops San Diego

San Diego pawn shops often deal in jewelry, electronics, and musical instruments. Many locals rely on these spots for fast cash or to find unique items.

San Diego, CA has 5 pawn shops in our directory. Top-rated options include Express Pawn Shop & Money Exchange..., Stumpy's Pawn Shop, and Poway Jewelry & Loan.

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Express Pawn Shop & Money Exchange...

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302 W San Ysidro Blvd, San Ysidro, CA 92173, United States

pawn loansbuy gold
4.9(304)

Stumpy's Pawn Shop

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5960 El Cajon Blvd #300, San Diego, CA 92115, United States

pawn loansbuying goodsselling goods
4.9(43)

Music Rental Co & Pawn

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5960 El Cajon Blvd, San Diego, CA 92115, United States

4.5(22)

Poway Jewelry & Loan

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11385 Poway Rd UNIT 104, San Diego, CA 92128, United States

pawn loanscollateral based loansgold buyingjewelry buyingwatch buyingtool buying
4.3(29)

Presidio Jewelry Pawn

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3555 Rosecrans St #105a, San Diego, CA 92110, United States

3.6(16)

What San Diego Pawn Shops Accept

  • Gold jewelry & watches
  • Electronics (phones, laptops, tablets)
  • Power tools (DeWalt, Milwaukee, Makita)
  • Gaming consoles (PS5, Xbox, Nintendo)
  • Musical instruments
  • Firearms (where permitted)
  • Designer items

Acceptance varies by shop. Call ahead for specialty items or large quantities.

California Pawn Shop Regulations

Interest Rate3% per month on unpaid principal (plus $3/month minimum charge)
Redemption Period4 months + 10-day grace period after notification
Regulated ByCalifornia Department of Justice, Secondhand Dealer and Pawnbroker Unit

California has among the most regulated pawn industries in the US. Interest is capped at 3% per month under Financial Code Section 21200. Pawnbrokers must obtain licenses through local law enforcement and maintain $100,000 in liquid assets or equivalent surety bond.

Tips for Visiting Pawn Shops in San Diego

  • 1.Get quotes from multiple shops before deciding
  • 2.Know your item's value - check eBay sold listings first
  • 3.Bring valid government-issued ID (required by law)
  • 4.Ask about interest rates and total repayment amount upfront
  • 5.Keep your pawn ticket in a safe place
  • 6.Ask about the redemption period and any grace periods
  • 7.Ask if they report to credit bureaus (most don't)

Frequently Asked Questions

What can I pawn in San Diego?

Common items include gold jewelry, electronics, and tools.

Which pawn shops in San Diego are well-reviewed?

Check out Express Pawn Shop & Money Exchange and Stumpy's Pawn Shop for reliable options.

How much can I get for gold?

Offers vary by weight, purity, and current prices. Pawn shops typically pay below spot value - get multiple quotes to compare.

What ID do I need?

Valid government-issued photo ID (driver's license, passport, or state ID).

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