Pawn Loans in Scottsdale | Simple, Secure, Confidential
When unexpected expenses hit - or when opportunity knocks - your jewelry can unlock the funds you need without ever leaving your name at a traditional pawn shop counter. With over a decade in high-value asset lending, The Luxe Exchange offers clarity, privacy, and fair quotes - without the pressure or outdated tactics of big-box pawn shops.
What is a Pawn Loan?
A pawn loan is a short-term loan that uses your valuable items are collateral. We specialize in collateral loans for gold, diamonds, Swiss watches, and luxury designer jewelry. There’s no credit check or income verification - just a fair, expert evaluation and a quick offer.
How It Works
Bring your item - gold, natural diamonds, or fine timepieces
Receive a professional, transparent evaluation based on current market value.
Get an instant loan offer - with clear terms, no pressure.
Repay your loan within 90 days to reclaim your item - extensions allowed in most cases
Why Choose The Luxe Exchange?
Over a decade of luxury industry experience
One-on-one, appointment-preferred evaluations
Fair, market-based quotes - explained clearly
Fast funding via check, digital transfer, wire, or ACH
Convenient Scottsdale location with easy parking
What We Accept
Solid gold
Natural loose or set diamonds
Luxury Swiss watches (Rolex, Patek Philippe, AP, etc.)
Designer pieces (Cartier, Tiffany & Co., Van Cleef & Arpels)
What To Expect
We know that every client and every item is unique. That’s why we provide a calm, professional experience in a private office environment. We’ll inspect your item together, explain the evaluation process, and walk you through your loan options - all with clarity and respect.
Frequently Asked Questions
Will it affect my credit?
No. Pawn loans are collateral-based and not reported to credit bureaus.
What if I can’t repay on time?
Arizona lawn allows a minimum 90-day term. In most cases, we offer extensions or renewal options to help you stay in good standing.
Can I keep my loan active by only paying interest?
Yes. As long as you make your minimum interest payments on time, your loan will remain in good standing. We’ll securely hold your item and you can repay the principal when you’re ready. As long as you stay current with the minimum interest payments, your loan will remain in good standing - and we’ll continue to safely hold your item until you’re ready to redeem it.
Can I sell my item instead of pawning it?
Yes. We’re happy to make you a direct purchase offer if selling is a better fit for your situation. Learn more about how we buy jewelry here.
Ready to Get Started?
See what your gold or Rolex is really worth.