The Process
Confidential and Secure Liquidity from Start to Finish
Every step of our lending process reflects the same values we bring to our brand: discretion, transparency, and efficiency.
We lend 50–70% of resale value against your luxury assets — confidentially, and without impacting your credit. These are non-recourse loans: no credit reporting, no wage garnishment, no punitive action. Texas law requires we hold your item for the duration of the loan.
Price
We'll complete a physical appraisal, either in person at our Lovers Lane location in Dallas or via house call. To begin:
- Walk in during business hours for an in-person appraisal
- Use our submission form and select "in-person" or "house call" — we'll send an email or give you a call to discuss.
Once appraised, we'll consult on your liquidity needs and build a custom loan package around them.
Paperwork
Once we agree on terms, we'll prepare your loan agreement for execution and begin authenticating the collateral. A valid government-issued ID is required. Accepted:
- Passport
- U.S. driver's license
- Texas handgun license
- Texas DPS-issued ID card
- Military ID card
Not accepted: non-U.S. driver's licenses, non-Texas identification cards.
Payout
Once documents are signed and collateral has been authenticated, we offer several ways to fund your loan:
- Same Day ACH — requires routing number, account number, and name on account
- Printed Check — pick up in person at our 4415 Lovers Lane location
- Wire — requires routing number, account number, and name on account; a $30 convenience fee applies and is added to your final repayment
- Cash — allow 2–4 hours; available on an approval basis for loans between $1,000 and $5,000
Funds typically arrive same-day when received before our 2pm daily cutoff — ACH and wire by early afternoon, cash by early afternoon, checks by early evening.
Repayment
Loans are for a 30 day period, with an additional 30 day grace period. We always accept cash, in addition to Cashier's certified checks or money orders made payable to Cartervest LLC.
Loan Extensions
Need more time? Eligible loans can be extended past the grace period by paying the accrued interest. Please contact us to discuss an extension in detail.
Fine Print
Loans are typically structured as a 30-day term with an additional 30-day grace period; we work with each customer to design a structure that fits their needs. Repayment includes principal and agreed-upon interest, with full terms stated in your loan agreement.
We are licensed with the Office of Consumer Credit Commissioner (OCCC) in the State of Texas. For regulated rates, see the OCCC's published rate charts.
For questions or complaints about our lending services, contact us at hello@luxe-dallas.com. Luxe Retail & Lending is licensed and examined under Texas law by the OCCC, a state agency. If a complaint or question cannot be resolved by contacting us, consumers may contact the OCCC directly: 2601 N. Lamar Blvd., Austin, Texas 78705 · (800) 538-1579 · Fax (512) 936-7610 · occc.texas.gov · consumer.complaints@occc.texas.gov.
Transparent. Discreet. Empowering.
Whether you're unlocking liquidity or parting with a luxury asset, we make it seamless, private, and tailored to you.
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