Frequently Asked Questions

Frequently Asked Questions

For questions, please call 480-991-LOAN (5626) or email

faq for collateral loans AZWho is Biltmore?

Biltmore is Arizona’s premier upscale collateral lender. We purchase your valuables for maximum value or provide you with a loan using those items as collateral.

How can I get money?

Biltmore provides loans using valuables as collateral. We also can purchase those valuables outright.

Why should I choose Biltmore?

The founders Biltmore have over 30 years of combined experience in the diamond and jewelry business as well as almost 20 years experience in the antique and collectible business. We will pay more because we have a wide network of buyers and collectors. One visit to Biltmore is all you will need to see the difference. Over the years, we have built a successful business through a reputation based on honesty, integrity and trust by fostering great relationships with new customers and old clients.

What types of items do you accept for loan or purchase?

We accept ALL items as long as the item has value. We can lend on or purchase all types items with value such as:

  • Artwork, antiques/collectibles
  • Auto/boat/RV/motorcycle titles
  • Coins
  • Diamonds and jewelry
  • Estate/antique jewelry
  • Fancy and scrap jewelry
  • High-end electronics
  • Precious metals (gold, silver, platinum)
  • Sports memorabilia and more

If an item has value, we can buy it or provide a loan on it. Contact us to see how much you could receive for your valuables.

How much can I borrow for a loan or sell my item for?

All items are appraised and evaluated separately by our experienced professionals. Once a value is established, we will provide you with an offer at the maximum loan-to-value ratio.

How does the loan process work?

In order to process the loan, we have to inspect your valuables and establish a value for those items. You can either bring the items in for immediate inspection or call/email us for a quote over the phone. Once a value is determined, the funding process usually takes about 15 minutes. We will fill out basic paperwork, explain the loan terms, and after you sign a contract, we will give you the money. No credit check is necessary.

How long is the loan term?

The loan can be as long as you wish. You can take a loan for one month, six months or several years. Loan terms are all negotiable.

How much interest will be charged for the loan?

Loan rates are negotiable, depending on the size and duration of the loan. Please call to get information on our loan rates. The interest for the loans is set by the Arizona Revised Statutes. Most collateral lenders and pawnshops charge the full state rate. In order to separate ourselves, we believe that we need to provide more consumer-friendly rates and charge less than other lenders.

What do I need to bring for the loan?

Please bring your items and a form of ID. We accept state ID, driver’s license, passport and military ID. We also accept international IDs, including Mexican and Canadian.

Will the loan be reported to the credit bureau?

We will not report your loan to any credit reporting agencies, even if you default on the loan. Because the loan is a collateral loan that is secured, this loan will not appear on your credit at all regardless whether or not it is repaid. If you are trying to improve your credit worthiness, we will be happy to provide a letter of credit recommendation at the end of your loan term provided all interest and principal is repaid.

What will happen to my valuables during the loan?

A collateral loan involves Biltmore giving you cash while securing (holding on to) your valuables during the duration of the loan. During the loan process, you can feel confident that your items are safe, secure, and well protected. We treat our clients’ collateral as if it were our own personal property. Sealed and put in a state-of-the-art safe in a secured room.

Do I lose ownership of my items when I bring them in?

No. You will continue to own your items during the duration of the loan. We will simply be holding on them as collateral. If you fail to repay your loan, your loan will default and ownership will revert to Biltmore.

Where will my items be kept?

All valuables, during our possession, are insured by Lloyd’s of London.
Your valuables will be stored in one of our state-of-the-art safes inside our vault. Lloyd’s of London insures all items on our property.

Will my items be safe and untouched during the loan?

You can rest assured that your items will be safe, secure and untouched throughout the duration of the loan. Our location is highly secured, utilizing a complex security system of magnetic shut locks, advanced motion sensors, and a remote video surveillance system that is monitored 24 hours per day. Our premises are monitored via alarm every second of the day through the Advanced Protection Security Alarm Company.

Smaller items will be placed into a tamper proof evidence bags that will be sealed and signed by you. Each bag has a tamper proof sealing system and unique serial number that will be provided to you and used when items are returned. When an item is placed into a bag, it stays there, untouched, until the duration of the loan is complete.

Will my loan be confidential?

At Biltmore, we respect your privacy and are very serious about protecting the anonymity of our clients. All loans are private and are done in a quiet, discreet, upscale office. All transactions are 100% confidential. No one will ever find out about your loan.

Please Contact Us if you have more questions.

Biltmore is Arizona’s premier purchaser and collateral. Please email us at or call 480-991-LOAN (5626) for a free appraisal and quote on your valuables. No appointments necessary if you wish to apply for a loan or sell your items today.