no obligation
◆ not traditional debt
a collateral loan, not a credit product
Because your loan is secured by your jewelry, there's no impact on your credit score, no reporting, and no long-term debt. Our loans are non-recourse — your pieces are the only collateral. Prefer to sell instead? Explore gold and diamond options too.
how our jewelry loans work
four simple steps
Private appointments are strongly suggested for personalized service — but walk-ins are always accepted.
schedule your private appointment
Book ahead for personalized, one-on-one service, or simply walk in when it suits you.
in-office jewelry evaluation
We assess gold, diamonds, and designer pieces with transparency — explaining the current market and showing exactly how we arrive at your offer, using precision tools.
receive an immediate offer
Clear, reliable, and fair. Upon acceptance, funding is provided on the spot.
redeem your jewelry when ready
Repay the loan and reclaim your item — simple and secure. (Please allow 1–3 business days for a redemption appointment.)
why choose the luxe exchange
private funding, on your terms
maintain ownership
Your fine jewelry is held securely as collateral and returned in the same condition once your loan is repaid.
immediate offers, no credit checks
Same-day offers and funding. Your credit score is never part of the decision.
a professional environment
We serve clients in a private office setting — not a pawnshop. Privacy and discretion are guaranteed.
flexible loan terms
Clear, fair terms tailored to your needs, with extensions available if you need them.
accepted jewelry
pieces we lend against
We assess fine jewelry with transparency and care — and we also lend on luxury watches like Rolex, Cartier, and Patek Philippe.
diamond jewelry
Engagement rings, natural diamonds, and fine diamond pieces, graded with precision equipment.
gold jewelry
Necklaces, bracelets, rings, and chains, valued at live market rates.
designer jewelry
Cartier, Van Cleef & Arpels, Tiffany & Co., and other signed pieces.
heirloom & estate jewelry
Inherited and vintage pieces, appraised fairly on their true worth.
what to expect
a private, professional setting
We serve clients in a private office — never a pawnshop counter. We inspect your pieces together, explain the current market, and walk you through your options with complete discretion and respect.
◆ reviews
what our clients say
"Julio is personable, honest, and exactly the kind of person you want to do business with."
"Everything was straightforward, transparent, and efficient."
"The Luxe Exchange came through for me when I was in a serious jam coming up with funds for payroll."
faqs
everything about jewelry loans
No. Because your loan is secured by your jewelry, there's no impact on your credit score, no reporting, and no long-term debt. Our loans are non-recourse.
still have questions?
Reach out to our team in Scottsdale.
