Why would anyone in the UK pay that sort of interest rate when there are lower cost options in the alternative funding space. Perhaps these individuals are not aware of the options they have.

Have these individuals tried to look at some of the peer-to-peer lenders that are available online? It will be dependent on their credit profile but there they can get an unsecured loan with an interest rate that is not punitive.

If they prefer not to have a credit check or do not have a good credit profile, they could talk to us at Unbolted. We guarantee you the best interest rates. If you find another loan offer with a better APR, we will beat it. We have a very easy to use interest rate slider that will identify very quickly what interest rate you can expect for a given value of an item.

Our business model is very simple

Honest, Low Rates

Our costs are 1.75%-3.50% per month. Traditional lenders charge 5%-10% per month.

Fast and Easy

Upload photos and get a loan offer in less than 3hrs. Simply drop off your assets or use our fully-insured courier. Receive money in 24hrs.

Private and Hassle-free

No credit checks. No monthly payments. If you cannot repay the loan, we will sell the assets and return any surplus to you.

Think about it.

You receive any surplus from the asset. So in the unfortunate circumstances that we have to sell your asset, any surplus after the selling costs is returned to you. We are first and foremost a lender. We want our customers to succeed.

That is one of the reasons why we have partnered with some of the best valuation experts in the country. We want to make sure the value is a true reflection of the market price. This allows us to then offer super competitive interest rates.  This critical role is outsourced to ensure the robustness of the valuations which results in realistic valuations for the borrowers and lenders. Would-be borrowers can apply for secured loans, in particular bridge loans – at market beating rates – against anything from gold to grand pianos, and fine art to fine wine. Our Co-Founder Rito Haldar adds “We have developed this business based on what is possible today not on yesterday’s model. The customer is the driver of the business like never before and we guarantee them the best rates as well as the best user experience. “

Unbolted is part of the digital and technological revolution. It is an online-only, peer-to-peer (p2p) lending platform that provides a simple and fast opportunity for borrowers to receive an immediate transfer to their designated account against their collections and fine art in complete privacy. “We saw the transformation of financial services and wondered why no one had given access to every business the same type of services that more well know borrowers had received for years” explains our Co-Founder Ashwin Parameswaran