no obligation
◆ what is a gold loan
borrow against your gold — don't sell it
A gold loan is a short-term collateral loan secured by your gold jewelry, coins, or bullion. Instead of selling, you borrow against its value — with no credit check, while your gold stays in a 24-hour-monitored, secured vault. We also lend on jewelry and diamonds.
how it works
five simple steps to funding
Most appointments take just 15–20 minutes — efficient, private, and respectful of your time.
bring in your gold
Come in for a private evaluation — walk in or book ahead.
we assess purity & weight
Using industry-standard tools, we test and weigh your gold in front of you.
receive an offer on the spot
A fair loan offer based on current market value — no obligation.
walk out funded the same day
If you accept, you're funded the same day by check, transfer, wire, or ACH.
reclaim your gold when ready
Your gold is held securely until you repay the loan plus interest.
why borrow against your gold
financial leverage without the sale
keep ownership of your gold
Borrow against it instead of selling — reclaim it once the loan is repaid.
quick access to capital
Same-day funding when you need liquidity now, not next week.
no credit check or income verification
Your loan is based on your gold's value, not your financial history.
flexible terms — renew if needed
Clear, fair terms with renewal and extension options.
fully insured & protected
Your gold is held in a 24-hour-monitored, secured, insured vault.
what we accept
gold & silver we lend against
From fine jewelry to bullion and scrap — if it holds precious-metal value, we'll lend against it.
gold jewelry
10k, 14k, 18k, 22k, and 24k necklaces, bracelets, rings, and chains.
gold coins
American Eagle, Krugerrand, and other recognized coins.
bullion bars & rounds
Investment-grade bars and rounds, assessed on weight and purity.
scrap & broken gold
Broken or inherited pieces still carry real value — we price every gram fairly.
silver
Sterling and fine silver jewelry, coins, bullion, and Native American items.
what to expect
a quick, private appointment
We value discretion, efficiency, and respect. You'll meet one-on-one with an expert who tests and weighs your gold in front of you and explains exactly how the loan works — most appointments take just 15–20 minutes.
◆ reviews
what our clients say
"Very satisfied with the service and prices. Nice and professional conversation with Julio."
"Sí pagan muy bien por el oro — buen servicio y trato justo."
"Luxe Exchange was awesome — relaxing, no stress, quality testing equipment, great communication, and fair prices. If you're looking to sell your gold or silver, go to Luxe!"
faqs
everything about gold loans
Arizona law allows a minimum 90-day term, and in most cases we offer renewals or extensions to keep your loan in good standing.
still have questions?
Reach out to our team in Scottsdale.
