Frequently asked questions about our luxury asset loans

What happens to the items I’m loaning against?

After you have entered the details of your asset in our online portal, you will receive a loan offer back from us in as little as 24 hours. 

If you accept our loan offer and choose to proceed, you post your item to us and we will hold it securely for the duration of your contract. We won’t release any funds to you until we have received your item.

When you repay your loan we release your assets back to you to enjoy.

I don’t want my item back - can you sell it for me?

Yes, absolutely. If you don’t want your item back or decide to sell it to pay off your loan, we can take care of this for you. We’ll endeavour to get the best price for your item on the day of sale.

Will I have to go through a credit check?

No. We don’t perform credit checks on applicants or ask intrusive questions. However, we do require basic information and proof of ID to issue a contract. 

We pride ourselves on our discretion so your personal information will always be treated in the strictest confidence.

Will a luxury asset loan affect my credit score?

No. A short term luxury asset loan taken out with us will have no impact on your credit rating. 

Will anyone know I’ve used your service?

No. It’s our priority to provide a discreet, confidential service. No people or financial institutions will know about your loan with us unless you choose to tell them.

My item has high sentimental value – will you keep it safe?

Absolutely. We are fully insured and valuables are stored in a secure location. 

How do I repay the loan?

Our luxury asset loans are for a fixed maximum term of seven months and you can redeem your item at any point by paying back the loan amount plus outstanding interest.

At the end of seven months, you may end the contract by paying back the loan amount plus interest. Once your balance is settled we’ll release your item back to you to enjoy.

If you wish to renew your contract you must pay the outstanding interest due on your initial seven month loan and then enter into a new loan contract agreement. We’ll continue to keep your asset safe during this time and it remains your property whilst still under contract.

If the loan is not repaid, the assets may be sold.

What happens if I can’t repay the loan?

If you can’t repay your loan with us you have a few options. We can sell the item on your behalf to repay your loan or, you may be able to pay the interest due on your loan and renew your contract with us for another seven months.

How do I know how much money I can borrow against my item?

Submit the details of your item using our online portal and you’ll receive an indication of how much we will lend against your item from one of our expert valuers in as little as 24 hours.

How much interest do you charge on loans?

Our luxury asset loans are for a fixed maximum term of seven months but you can redeem at anytime during the loan period.

Here’s a representative example of how much a luxury asset loan may cost:

Apply now

No lengthy application procedure, credit checks or intrusive questions. Receive a fair and honest loan offer.