PROCESS
Asset-backed lending in five steps. LoanAgainstWatches routes your inquiry to a licensed lender in our California network for the actual origination.
Send 4–6 clear photos of your asset to hi@luxuryassetloans.com. Reference number, date code, condition notes, and any documentation (box, papers, certificates, GIA reports). For watches, include movement and case-back photos if possible.
We reply with a loan range based on the photos and current market data. This is preliminary — the final number is set at in-person appraisal.
Appraisal happens in person with the licensed lender; the location is confirmed when you book.
At appraisal, the licensed lender sets the loan amount, term and rate in writing. Read the written terms before you sign the pawn ticket.
Funding timing and method are set by the licensed lender and stated in your loan documents before you sign.
Why clients consider collateral lending over selling:
Email hi@luxuryassetloans.com with photos and reference details, or use the LAL estimator to get a baseline range.
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