Oro Express, L.L.C. — Pawn Loans, Gold Buying & Title Loans, Arizona
Licensed Arizona Pawn Dealer

Your valuables are
worth more than
you think.

Oro Express, L.L.C. is a full service Arizona pawn dealer — pawn loans, cash for gold, and auto title loans. Bring in what you have, walk out with what you need. Licensed, regulated, and paying honestly since day one.

10K
417
14K
585
18K
750
22K
916
24K
999
We test
them all
no guessing

What we do

Three ways to turn
what you own into cash

Every customer arrives with the same question — how do I get money today? — and leaves with one of three answers. Which one is right depends entirely on what you want back.

Option 01

Pawn Loan

You keep ownership. We hold your item as collateral, hand you cash today, and return the item when the loan is repaid. No credit check, no impact on your credit score.

  • Cash in minutes, not days
  • Your credit is never checked or affected
  • Standard 90-day term, renewable
  • Item returned in the same condition
Option 02

Sell Outright

Done with the item for good? We buy it on the spot — gold, jewelry, electronics, tools, instruments — and pay you cash immediately. No loan, no term, no coming back.

  • The most cash we can honestly offer
  • Thorough appraisal, explained openly
  • Paid on the spot, no waiting period
  • Nothing to repay, ever
Option 03

Auto Title Loan

Keep driving your vehicle while its title secures your loan. Larger amounts than a typical pawn loan, with terms structured over months rather than weeks.

  • You keep and drive your vehicle
  • Cars, motorcycles, boats and RVs considered
  • Longer terms for larger amounts
  • Title returned once the loan is settled

What we take

If it has value,
bring it in

We loan on and buy just about anything of value. When in doubt, bring it by — an appraisal costs nothing and takes minutes.

Gold & Silver

Jewelry, chains, rings, coins, bullion and scrap — every karat, tested and weighed in front of you.

Diamonds & Jewelry

Engagement rings, estate jewelry, diamonds and fine pieces — appraised by staff with years of experience.

Luxury Watches

Swiss and designer timepieces valued properly — by people who know the difference a movement makes.

Electronics

TVs, laptops, tablets, phones, cameras and gaming consoles — current-generation gear welcome.

Tools & Equipment

Power tools, hand tools, air tools and industrial equipment — the trades know where to find us.

Musical Instruments

Guitars, amps, brass, strings and studio gear — instruments valued by their real market, not a guess.

Cash for gold

Every shop starts from
the same spot price

Here's something most gold buyers would rather you didn't know: every pawn shop works from the same number. The gold spot price is a global figure — what the world is paying per ounce right now. Nobody has a secret rate.

So the real question isn't who "pays the most cash." It's what percentage of spot they pay you — and that comes down to how confident they are in their appraisal. A rushed, sloppy assessment forces a lowball offer to cover the uncertainty.

We appraise thoroughly: hallmarks checked, purity tested, weight taken on a certified scale, in front of you. The more precisely we know what you have, the higher a percentage we can confidently pay. Accuracy isn't bureaucracy here — it's the whole reason our offers are competitive.

  • Tested, not guessed — hallmark inspection and acid or electronic testing on every piece

  • Weighed in front of you — certified scales, nothing done in a back room

  • The math explained — spot price, purity, weight, offer: we'll walk you through each number

How your offer is calculated
Global gold spot price
Same for everyone
× Purity (karat, tested)
10K – 24K
× Weight (certified scale)
Grams
× Percentage of spot paid
Where shops differ
= Your cash offer
Explained in full

The first three lines are physics and arithmetic. Only the fourth is a choice — and a confident appraisal is what lets us make it in your favour.

How it works

In and out in minutes

STEP 01

Bring It In

Walk in with your item and a valid ID showing you're 18 or older. No appointment, no application, no credit check.

STEP 02

Free Appraisal

We inspect, test and weigh your item in front of you — and explain exactly how we arrived at its value.

STEP 03

Choose Your Path

Pawn it and get it back later, sell it outright, or use a vehicle title. Your call — we'll lay out the numbers for each.

STEP 04

Walk Out With Cash

Paperwork signed, terms clear, cash in hand. If you pawned, your item waits safely until you return for it.

Customer reviews

Straight dealing,
every time

4.8
based on customer feedback
Cash for gold

I brought in my late mother's jewelry with no idea what any of it was worth and a lot of anxiety about being taken advantage of. They tested every piece in front of me, showed me the scale, and explained the spot price math. Knowledgeable, honest, and very professional about something that wasn't easy for me.

D
Denise W.
Customer, Phoenix Valley, AZ
Pawn loan

Rent was due Friday and payday was Monday — a gap that has wrecked people I know. Pawned a watch, got cash in about fifteen minutes, no credit check, picked it right back up the following week exactly as promised. That's the whole point of a pawn shop and they do it right.

M
Marcus T.
Customer, Arizona
Title loan

Needed more than a pawn loan could cover and my credit is a mess, so a bank was never happening. The title loan let me keep driving to work while covering the emergency. Terms were explained plainly, no fine-print games, and my title came back the day I settled up.

R
Ray G.
Customer, Maricopa County, AZ

FAQ

Common questions

  • No — and this is one of the biggest advantages of a pawn loan. We don't run a credit check, because your item is the collateral. If you decide not to repay, we simply keep the item; nothing is reported, nothing goes to collections, and your credit score is never touched either way.
  • Your item and a valid government-issued photo ID — you must be 18 or older. That's it for a pawn loan or a sale. For an auto title loan, bring the vehicle, its title in your name, and your ID. No application forms, no income verification, no waiting on approval.
  • A standard pawn loan runs 90 days, and it can be rolled over if you need more time. Title loans are structured over longer terms, since the amounts are typically larger. Every term, fee and date is printed on your ticket before you sign — and we'll go through it with you rather than leaving you to read the fine print alone.
  • Heavily, and that protects you. Arizona law caps the interest a pawn shop may charge on cash advances, limits the fees that can be added for initiating a loan or storing an item, and requires pawnbrokers to be licensed — including submitting fingerprints and any criminal history to the Sheriff's Department before a licence is issued. A licensed shop operates inside those limits, on the record.
  • Nothing bad happens to you. The item becomes ours and the matter ends there — no debt collectors, no credit damage, no lawsuit. That's the fundamental difference between a pawn loan and a bank loan: your risk is capped at the item itself. If you think you'll need more time, talk to us before the due date; rolling the loan over is usually straightforward.
  • Yes. Your item is tagged, logged and stored securely for the entire term — it isn't put out for sale, worn, used or shown to anyone. When you repay, you get back exactly what you brought in, in the same condition. Our entire business depends on that being true every single time.

Get in touch

Find out what it's
really worth

Call, write, or just bring it by. Appraisals are free, they take minutes, and there's never an obligation to accept an offer.

Address
6250 E Cheney Dr
Paradise Valley, AZ 85253-3518

© 2025 Oro Express, L.L.C. All rights reserved.

Paradise Valley, AZ · USA

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