Preferred Title Loans Disclosure

At North Scottsdale Loan & Gold, we offer a Preferred Loan Program for customers who meet specific qualifications. These enhanced loan options come with lower interest rates and longer repayment terms compared to standard pawn and title loans.

If you have any questions about this disclosure or need help determining if you qualify, please don’t hesitate to contact us. Our team is happy to help you evaluate your options.

Preferred Pawn Loan Requirements

Our Preferred Pawn Loans carry an amortized Annual Percentage Rate (APR) of 35.9%, with:preferred title loan disclosure

  • A minimum repayment period of 90 days
  • A maximum repayment period of 90 days
    (These loans may be rolled over.)

To qualify for a Preferred Pawn Loan, you must meet the following conditions:

  • 50% Loan-to-Value (LTV)
    LTV is the ratio between the loan amount and the item’s value. For example, if your item is worth $2,000, you may qualify for a preferred pawn loan of $1,000.
  • Item valuation is based on expected resale value on eBay.
  • Minimum loan amount: $1,000
    Any pawn loan below this amount does not qualify for preferred status.

Preferred Title Loan Requirements

Our Preferred Title Loans also carry an amortized APR of 35.9%, with:

  • A minimum repayment period of 90 days
  • A maximum repayment period of 60 months

To be eligible for a Preferred Title Loan, applicants must meet all of the following criteria:

  • 25% Loan-to-Value (LTV)
    LTV is based on the Kelley Blue Book Private Party Value of your vehicle. For example, if your vehicle is worth $10,000, the maximum preferred loan amount would be $2,500.
  • Credit Score Above 700
    While most of our standard title loans don’t require a credit check, preferred loans are only available to borrowers with a credit score of 700 or higher.
  • Free and Clear Title
    The vehicle must not have any existing liens and must not be branded as salvage.
  • Proof of Residency
    Acceptable documentation includes a current utility bill, lease agreement, or bank statement with your current address.
  • Proof of Current Employment
    Borrowers must provide paystubs from the past 6 months showing active employment.
  • Active Insurance Policy
    The vehicle must be insured throughout the life of the loan, with proof of coverage provided at the time of application.

For more information about our full range of services, visit:

If you meet the qualifications for our preferred programs, you could benefit from lower rates, more favorable terms, and a streamlined process tailored to financially strong borrowers.

Still have questions? Give us a call or stop by our Scottsdale location—we’re here to help.