I called just to ask about the requirements and fees and they were extremely courteous and seemed more than happy to help rather than be annoyed and give short answers like most places would. I haven't gotten a loan through them yet, but the interest rate is roughly 17% and will write another review on that experience. They do seem very fair and straight forward. They will also work with you if you don't have checks! I would recommend them for sure!
Gems N Loans has been great to find jewelry especially rings, musical instruments and electronics, cameras. I have many items at fantastic prices!
Purchased earrings for my niece for her graduation. Great service and price.