Luxury Asset Loans

We offer a number of short-term loans with no credit checks.

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No Credit Checks

We won't check your credit history when you make a loan enquiry.

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Interest Rolled-Up

There are no monthly payments with interest due at the end of the loan term.

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Funds Within hours

Upon signing the loan agreement you will receive funds within 24hrs.

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Assets We Accept

Representative Example: Total credit: £10,000. Loan term of 6 months. Annual Interest rate: 36% (fixed). Interest for 6 months: £1,800. Amount repayable in one instalment: £11,800.00 (39.1%APR)

Our minimum rate of APR is 18.8% . Our maximum rate of APR is 69.25%. Representative APR: 36.35%

Borrow Up To 70%

We will lend you up to 70% of the property value.

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No Monthly Payments

Unlike other lenders you can roll-up the interest until the end of the loan.

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Refurbishment Finance

We can offer you loans to refurbish your property.

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Assets We Accept


Peer-to-Peer Lending (P2P) is a concept that allows borrowers to directly source funding from everyday people with savings that we call Lenders. We know that Lenders today want a better return on their money, so we give them the ability to invest in loans. We also help borrowers achieve their goals through this product.
We made this process easy by providing you with two options. Firstly by filling in the enquiry form located on specific asset pages. Alternatively, by calling us on 02381 277030.
For loans secured against your assets (watches, cars, jewellery etc), we do not perform any credit checks as your credit history is not important. We also don`t report any failure if you cannot repay your loans. Our loans are dependent on the value of the assets. In other words, we determine the correct value of the collateral for the loans through the assets presented.
We provide loans on a vast range of assets. Some of the most commonly used are watches, jewellery, cars, etc. However, we also have experience of lending against rare and one-off pieces. If you have something valuable then we can provide you with a loan.

For loans against property, Connective Lending will charge a monthly fee of 0.85% - 1.12% per month. There is also a 2% 'Arrangement fee' applicable on all property loans.

For loans against your personal luxury asset, please click on our rate card which can be found here.

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