FAQ — ArizonaLuxeLoans

Are you licensed in my state?

ArizonaLuxeLoans is a marketing platform — we don't hold a lending license ourselves. The licensed lender at appraisal is the one with state authority. Our network is California-based; most clients fly in for in-person appraisal, or use insured-courier handoff.

Do I have to come to California?

Yes for in-person appraisal of the asset. For loans $500K+, we cover round-trip business-class flight and ground transfer to LAX.

Will you pull my credit?

No. Asset-backed lending requires no credit pull, no income verification, and no W-2. The asset is the loan.

How fast does it fund?

Most loans fund within 24 hours of in-person appraisal. Gold funds same-day. Fine art (which requires authentication) funds within 48 hours.

What's the loan term?

30 to 120 days, renewable. Interest accrues monthly. There's no prepayment penalty — pay it off whenever, the asset comes back.

What happens if I don't repay?

California law gives you a 90-day default cure period after the loan matures. After that, the asset is sold and any surplus over loan + interest + costs is returned to you.

Is my asset insured?

Yes — every asset in our vault is covered by a Lloyd's of London policy. Photographic intake at signing. Status photos available on request.

Where do I bring the asset?

Our network operates appraisal locations across California — Santa Monica (West LA), Baldwin Park (San Gabriel Valley), Lancaster (Antelope Valley), and Fresno (Central Valley). We can also coordinate insured-courier appraisal for $500K+ loans on request.

FAQ.