Life doesn’t always give you time to plan. A sudden expense, an unexpected opportunity, or a short-term cash need can catch anyone off guard. In those moments, it helps to know your options—and one of the most overlooked is sitting right inside your jewelry box or closet.
At Biltmore Loan and Jewelry, we help people throughout Arizona access the value of their luxury items without having to sell them. Whether it’s a diamond ring, a Rolex watch, or a designer handbag, you may be able to use what you already own to secure a quick, confidential loan.
Here’s how it works—and why it might be a better option than you think.
What Is a Collateral Loan?
A collateral loan is a simple transaction: you offer a valuable item as security, and in return, you receive a cash loan based on the item’s current market worth. Once the loan is repaid (plus any agreed-upon interest), you get your item back.
It’s not like a traditional bank loan. There’s no credit check, no income requirements, and no lengthy approval process. Your item does all the talking.
What Can Be Used as Collateral?
Van Cleef & Arpels 18k Gold & Black Onyx 5 Motif Magic Alhambra Bracelet
We accept a wide variety of high-value items at Biltmore Loan and Jewelry. Some of the most common include:
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Gold and diamond jewelry
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Luxury watches (Rolex, Patek Philippe, Audemars Piguet, and more)
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Designer handbags (Hermès, Chanel, Louis Vuitton, etc.)
- Precious metals and coins
If you’re unsure whether your item qualifies, we offer free evaluations—with no obligation.
The Biltmore Difference: What to Expect
At our Scottsdale location, you’ll find a safe, professional setting—not a noisy pawn shop. We’ve built our name on integrity and expertise, serving clients across Arizona for more than two decades.
Here’s what the process looks like:
1. Bring in Your Item
Walk into our Scottsdale office or schedule an appointment. We also offer secure shipping options if you prefer not to come in person.
2. Get a Fair Appraisal
Our experts will evaluate your item based on condition, brand, rarity, and current market value. You’ll receive a fair offer on the spot.
3. Accept the Loan Terms
If you agree to the loan amount and terms, you’ll receive payment immediately—either by check, cash, or wire transfer.
4. Secure Storage
Your item is stored in a fully insured, high-security facility for the duration of the loan.
5. Repay and Retrieve
Once your loan is paid off, your item is returned in the same condition it arrived. It’s that simple.
Why People Choose This Option 
Many of our clients come to us for the same reason: they need fast access to funds, but they don’t want to sell something meaningful—or go through a bank.
Here are a few situations where a collateral loan can be helpful:
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Covering unexpected medical expenses
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Bridging a temporary gap in income
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Funding a business opportunity
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Managing divorce or estate settlements
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Avoiding credit card interest or payday loan traps
Because your loan is based only on the item’s value, there’s no risk to your credit score. And if, for any reason, you choose not to repay the loan, the item simply becomes property of Biltmore—no collections, no stress.
Frequently Asked Questions
How long do I have to repay the loan?
Loan terms are flexible, and we’ll walk you through your options during the appraisal.
Is my item safe while in your care?
Absolutely. All items are stored securely and insured throughout the loan term.
Can I renew or extend my loan?
Yes, in most cases. We’re happy to work with you to find a solution that fits your situation.
Arizona Clients Deserve Options
At Biltmore Loan and Jewelry, we believe in treating people with respect. We understand that asking for a loan—especially one tied to something personal—isn’t always easy. That’s why we handle every transaction with care, discretion, and complete transparency.
If you’re considering a loan and want to keep your luxury items, we invite you to visit us. Our knowledgeable team is here to answer your questions and provide honest feedback, without pressure.
Get Started Today
Need cash quickly? Want to hold onto your valuables? Visit us for a free, no-obligation appraisal at our Scottsdale location.
We’re proud to serve Arizona with the trust and professionalism you deserve.