Exchange

How Does Exchange Work?

Many people don’t have a checking our savings account and have a rough time between paychecks. That’s where Garner’s Jewelry and Exchange can help. We offer you a place to bring your items of value and use them as collateral to receive money without a credit check to get through a hard time.

Exchange your merchandise for cash at Garners

When your merchandise is left with Garner’s Jewelry and Exchange we give you 30 days to come back and re-purchase your merchandise. We also offer you a payment plan if you’re not able to come up with the full re-purchase price. Your items are kept safe and secure until you come back. We also offer you an option to completely sell your item with no re-purchase offer if you don’t want to come back for your merchandise at all. Stop in and talk to one of our representatives today if you have any questions or call 734-287-6422 or 313-255-7140.

Policies

The following policies and restrictions apply:

  • You must be 18 years old.
  • You must have a valid picture driver’s license or state ID.
  • General merchandise is held for 15 days.
  • Jewelry is held for 9 days.
  • There is a 7-days grace period with accumulated late charges on merchandise left over 30 days.
  • Please call for exact late charge information.
  • Merchandise on a 30 days contract is put out for sale on the 38th day if no contact has been made by the owner.

Loans

We also offer the option of bringing in your items of value to use as collateral to receive a loan. When your merchandise is left with Garner’s Jewelry & Exchange we give you 30 days to come back and re-purchase your merchandise. We also offer you a payment plan if you’re not able to come up with the full re-purchase price.

Check Cashing

Checks can also be cashed in our stores.