How the Collateral Loan Process Works

Getting a loan with Qollateral is easy. Learn about our collateral loan process below, and get in touch to schedule a private valuation in person or remotely.

Using Collateral for a Loan

Unlike taking out a traditional loan, using collateral for a loan allows you to borrow capital based purely on the value of your luxury asset(s) – not your credit score or financial history. Borrow against collateral with our established lending team, and you’ll get the industry’s highest secondary market valuation plus an instant payout direct to your bank account – it really is that simple.

Using Collateral For A Loan

How Does a Collateral
Loan Work?

A collateral loan is a loan secured by a rare, valuable, or luxury asset, and not by things like your credit history or income and employment status. Types of assets that we accept for collateral loans include luxury handbags, watches, diamonds, fine art, and gold.

Here’s a quick look at what you can expect when borrowing against collateral with Qollateral:

  1. Book an Appointment: Our loan process starts with booking a confidential valuation appointment in our New York City office or virtually, depending on what’s most convenient for you.
  2. No-Cost Loan Valuation: To begin, please bring your item to your appointment or submit clear photos of the items you wish to have appraised for the loan.
  3. Private Consultation: At our office or remotely, you will consult confidentially and securely with an experienced appraiser.
  4. Asset Evaluation: Our appraisers will assess and determine the highest possible loan value at no obligation to you.
  5. Review of Terms: If you agree to the loan value, we will provide you with your contract for review and confirmation.
  6. Funds Disbursement: Upon signing the paperwork, your funds will be disbursed immediately in your preferred form.
  7. Loan Finalization:  Once the loan paperwork is finalized, your collateral assets are securely sealed and stored in a protected vault. The collateral remains untouched and fully safeguarded until you are ready to redeem the loan and retrieve your items. All items are fully insured by Lloyd’s of London when in our care.

Secured Collateral Loans, Available Anywhere

Take advantage of our quick and stress-free remote lending process to get a collateral loan no matter where you’re located. We’ll email you clear instructions along with a fully insured, prepaid FedEx shipping label for priority overnight delivery. Once your item arrives at our office, we’ll then promptly complete the evaluation, make you an offer, and, if you accept, finalize your loan. Remote borrowers can have funds wired to their bank account on the same day.

Your satisfaction is our top priority. All shipments to our office are done through our secured Loomis partnership with FedEx, with all packages opened under video surveillance for your security and peace of mind. Ready to get started? Whether you’re looking to take out a collateral loan in-person or from wherever you’re currently located, book an appointment today with our expert valuators.

How Does A Collateral Loan Work

Get in touch

We’ll be here to answer your questions quickly and confidentially.

Nationwide Luxury Collateral
Loans: Fast, Secure and Discreet.

All communication is discreet and confidential.

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