I had a great experience. I thought all my jewelry was silver until Malcolm scratched it on the stone and drizzled the liquid which came back "14k white gold!" Malcolm was extremely polite and took his time with my jewelry as he counted each stone in both my pendant and ring. He gave me more than I expected for the loan. I better get to work so I can get my jewelry out since I know it's worth. My jewelry can be used for collateral anytime as long as I pick it up and pay the interest within the dates he provided me. Thanks EZ Pawn. It was that easy