We will always start by discussing with you how much you are looking to borrow and establish some information about the asset(s) that you have brought in for appraisal. Where possible we will conduct the appraisal there and then, otherwise we will issue a full receipt and have the item fully valued by one of our skilled professionals as promptly as possible – usually within a few working hours depending on the item.

We offer loans from £1,000 to £250,000. The amount we can loan to an individual is completely determined by the personally owned asset that they wish to leave in our care as security. Typically we will offer a loan amount between 50%-70% of the trade value of the item(s). We use highly skilled professional valuers to assess items and consequently we are often able to offer up to 3 times more than a traditional High Street pawnbroker.

We typically charge between 4% and 7% per calendar month (typical APR 50%), depending on the asset and the amount being borrowed. Overall interest is calculated in simple terms up to the 7 month term. To add to the transparency of the process we issue an early redemption calculation sheet at the time of the loan, clearly detailing what is due to be repaid on every day of the 7 month loan period.

The answer to this question is largely covered here. In short, we are open minded to loan against any luxury or antique assets with a minimum trade value of around £2000 and only on items which the borrower has clear and full ownership of the item. For vehicles we prefer to deal with prestige, sports or classic vehicles with a trade value of not less than £5000. If you are ever unsure, you are always welcome to call to speak with one of our professional decision makers who can advise on the suitability of an item for a Personal Asset Loan.

As soon as we have been able to appraise your asset and a loan agreement is signed, we will be able to fast transfer funds to a Bank Account of your choice within 1 hour. Alternatively we can arrange for the loan to be made available in cash if required, for a small handling fee.

It is a legal requirement for us to take 2 forms of identification from you at the time of the loan. One piece will need to be a photographic government recognised document such as a passport or a driving License and the other must be a utility bill, bank statement or Council tax invoice which is less than three months old with your full name and address on it.

We offer all of our loans on a 7 month basis. There are no minimum loan periods and loans can be redeemed (paid off in full) at any point during the 7 months. You are also welcome to make part payments at any time during the loan period. If at the end of the 7 months you wish to continue your loan, we require interest accrued to date to be cleared off and we will issue another 7 month loan agreement for you to sign.

We will obviously have to store different items in different ways. Jewellery and watches will be stored in our own insurance approved vaults, which have 24 hour monitored security and constant CCTV surveillance. The items themselves will be individually boxed (if they are not already) and assigned a unique barcode for us to easily identify them. They will be under lock and key for the entire duration of their time with us. Motor vehicles will be moved by a fully insured and independent specialist motor transport company to our dedicated car storage facility in Fife. All vehicles are individually covered and the premises themselves have 24 hour security monitoring and are temperature controlled to ensure that all vehicles are stored in optimum conditions. Car registration plate documents are all stored within our secure vault. Art and antiques are stored at the premises of carefully selected third parties who are specialists in the field of antique and art storage. We will also only use the fully insured transportation services offered by these companies.

Absolutely not. We only require your identification to validate ownership and satisfy the Anti-Money Laundering requirements. This data is not shared with any third parties whatsoever and no credit checking is ever necessary at any point of the process. Even if the loan is never redeemed, there is no comeback on you as an individual and we will never pursue you.

We are happy to take part payments at any time during the length of the loan. We accept payments by cash, card, cheque or bank transfer. As soon as the loan has been repaid, the goods will be made available for collection at our Edinburgh premises.

Ultimately, the worst that can happen if you are unable to pay the interest or loan at the end of the 7 month period is that the asset is sold and your loan is cleared by the funds raised – we will always work hard with you to avoid this happening. If we have to sell the item on your behalf, the funds will cover the loan value and all interest accrued plus the cost of the sale itself. All surplus funds will be returned to you.