Unlike consignment, where you only receive payment once your item sells, our service provides immediate liquidity either through a short-term loan secured by your assets or through a sale of your item to us. This means you can access funds right away, and, in cases of a loan, retain ownership of your items and have the flexibility to redeem or repurchase them. In essence, we offer quick, collateral-backed financing instead of waiting for a sale to generate payout.

Luxe provides collateralized lending services, meaning we write loans against the value of a variety of tangible goods. Unlike a typical bank loan or other credit products, we do not use criteria such as credit scores or W2 information to underwrite our loans. Additionally, we are a non-recourse lender, meaning if a loan defaults, we do not garnish wages or negatively impact credit scores.

Luxe is a non-recourse, collateralized asset lender. This means that we underwrite our loans based on the value of a tangible item that is in our possession for the term of the loan. Because we are underwriting our loans based on a tangible item, we are different from other mainstream lending products in three key ways:

1. Non-Recourse: If the loan defaults, we do not garnish wages, repossess collateral, or impact credit scores like many other consumer lending products.

2. Faster approval timeline: Because the loan is underwritten on the value of the item, not your earning potential or credit score, our approval process can be much faster than a traditional bank or credit card approval process.

3. More favorable interest rates compared to many credit cards: For loans over $2,700, Luxe will never charge more than 12% APR, which may be more favorable than many credits cards. The average APR on credit cards in the US is currently well above 20%.

We accept a wide range of luxury assets as collateral, including fine jewelry, high-end watches, designer handbags, antique collectibles, and other valuable rare items. All items are evaluated by our experts to determine their market value.

Loan amounts vary depending on the value and type of collateral, but generally, we offer loans that range from a few thousand dollars up to several thousand dollars, tailored to each asset’s appraised worth. You can expect us to loan up to 50% of the items appraised retail value.  

Interest (expressed as an annual percent rate or APR) varies by and is dependent on the total amount of the loan. We are regulated by the Office of Consumer Credit Commissioner in the State of Texas that sets the maximum amount of interest we can charge on a transaction. Those amounts can be found on the OCCC website here.

Luxe aims to offer competitive rates vis-a-vis other lending options.

Our standard loan term is 30 days, with the option to extend upon request. We strive to provide flexible terms to meet our clients' individual needs.

You can request an extension before the original due date. We offer flexible renewal options, and our team will work with you to accommodate your needs while maintaining confidentiality.


No, our loans are non-recourse and do not typically affect your credit score. They are secured by your assets and are handled as private transactions, separate from personal credit assessments.

If the loan is not repaid by the due date, we may work with you to arrange an extension or other solutions. If the loan remains unpaid, we reserve the right to sell the collateral to recover the outstanding balance, always with your prior notice and in accordance with legal guidelines.

We require details about the collateral, including photographs and proof of authenticity or ownership documentation, along with some basic personal information to facilitate the application and appraisal process and a valid government issued photo ID. 

Yes, we purchase luxury assets, such as jewelry, fine art, timepieces, designer handbags and accessories, estate quality homegoods, and auction-worthy collectables.  

We typically pay between 50-70% of the items appraised retail value, depending on the condition and anticipated carry period. 

We use a third party handbag authentication platform that includes a money-back guarantee on all authentications.