Lowell Jewelry & Loan has been in business for over 20 years. We are a full-service collateralized lender. The present ownership structure began in 2006. Our CEO, Christopher McCarthy, PE, was educated and employed as a professional mechanical engineer for over 30 years. His philosophy was to use his education and employment in corporate America and bring those processes and procedures to this business.

As with every business, networking is an integral part of remaining on the leadinng edge, We have been a long-standing member of both the Greater Lowell Chamber of Commerce, Lowell Downtown Business Forum and the Greater Merrimack Valley Convention and Visitor Bureau. Being involved in these organizations allows us to understand and adapt to local issues.

Lowell Jewelry & Loan is committed to effecting permanent and positive change in the lives of the residents of Lowell and the immediate surrounding communities. We focus on helping economically disadvantaged individuals and families. Over the years we have been supportive in all aspects of the community, donating both time and money to the folowing organizations:

  • -Boys and Girls Club of Greater Lowell
  • -The Salvation Army of Lowell
  • -The Salvation Army of Lowell
  • -Merrimack Valley Jazz Festival
  • -Merrimack Valley Food Bank
  • -Back Yard Music Series
  • -Lowell Folk Festival
  • -Lowell Puerto Rican Festival
  • -Lowell Winterfest
  • -Lowell, Dracut, Chelmsford, Tewksbury High School Sports Programs.
  • -Lowell High Music Program
  • -MS Walk
  • -Childrens Wish Foundation
  • -Network For Good
  • -Special Olympics
  • -Lowell's Helping Hands Veterans Foundation

Lowell Jewelry & Loan services a diverse customer base; and will conduct our business without regard to race, gender identity, religious preference, educational aptitude, income classification, and most importantly psychological and behavioral presence. We maintain and require the utilization of interpersonal communication skills. We are committed to doing what is right and deterring wrongdoing, and all employees are expected to uphold these beliefs. Our fundamental beliefs are to maintain a high standard of integrity and ethics. We deal fairly and honestly with customers, suppliers, competitors and employees. We strive to ensure that all activity on its behalf are in compliance with applicable laws, rules and regulations.

We realize that to affect real change in the community, we must stress education. And education starts with reading

There is a section of the store identified as the Children's Book Corner. While the parents conduct a transaction, their children can sit down and choose from a table full of books. Each parent is encouraged to have their child take home a book. So far we have donated thousands of books to these children. children.

To stay aware of of industry trends, we also belong to several national organization. We are a proud member of the National Pawnbrokers Association (NPA). The NPA encourages giving back to the community and offers guidance to pawnbrokers on how to get involved. Pawnbrokers are also realizing the benefits of becoming active in city government. Educating city and state officials about the industry and the customers served continues to be a worthwhile but challenging endeavor.

We also belong to the Jewelers of America and Pawnshop Consulting Group's Owner Focus Group.

In the end, to be successful we must provide lasting consumer benefits. The following is a listing of the highest rated benefits:

    -Providing Crucial Bridge Between Paydays -Solves Short-Term Emergency Financial Burdens (most common are insurance payment, medication, traffic ticket, auto breakdown, legal fee or assisting a relative) -An Alternative to On-Line Selling for Technically-Illiterate or Resource-Limited customers -Supplement to Government Assistance Programs -An Alternative Funding Resource Which Allows Customer to Retain Their Property -An Alternative to the 60-day waiting cycle of Commercial Bank Underwriters
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