Borrow against Fine Wine
Your bottles of fine wine can open a short-term Unbolted loan.
Unlock the value of your Mouton Rothschild, Petrus, Margaux, Latour or Domaine de la Romanée Conti. Unbolted lends against all collectible wines, be they Bordeaux first growth, Penfold Grange or a rare Californian.
We ask only that you have the provenance and that the wines are stored in appropriate climate-controlled conditions - two factors our wine specialists can quickly confirm.
Tell us about your wine
To borrow against your wine collection, we will need to know a few details:
- Name and vintage.
- Number of cases (12 x 75 cl case formats).
- Storage conditions and bond details.
Ready to apply? It's fast and simple.
For an instant loan against your fine wine collection just complete a quick online application. There you can upload a photo and description of your wine. We will make a loan offer within a few hours - and disburse the loan as soon as we verify provenance.
If your wine is stored with a specialist wine storage facility we may be able to leave it there. Alternatively, we will collect it from your cellar and keep it securely stored in a climate controlled environment.
Ready to get started?
Submit an application today
Valuing Your Fine Wine
At Unbolted, we appreciate that you have approached your collection with care and consideration. Grade wine is a valuable commodity and sales have been impressive. Whether your collection of fine wine is small or large, we will be diligent in obtaining a realistic and accuate valuation.
Specialists in Fine Wine
Unbolted has teamed up with IG Wines (www.igwines.com), a specialist fine wine merchant and investment advisory company based in the City of London. Although they specialise in Bordeaux, Burgundy and Italy, their panel of expert advisors cover most wine regions of the world.
Unbolted also uses services such as The London International Vintners Exchange (Live-ex) and Wine-Searcher.
Storage and Shipping of your Fine Wine
Unbolted recommends specialist wine delivery companies and most importantly to store fine wine ‘in bond’ (IB), which means in a bonded, ‘duty-paid’ warehouse such as London City Bond or Octavian Vaults. These bonded warehouses provide the optimum environment for storage, with the temperature, humidity and other microclimatic factors carefully regulated.
The lowest borrowing costs in UK
We believe that you cannot find a better offer but if you do we will beat it.
Fair and transparent terms
There are no hidden fees and charges. All storage and valuation costs are included.
You retain repayment flexibility - we don't impose early-repayment penalties.
If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.
APR and Loan Terms
Minimum APR: 18.8%. Maximum APR: 63.1%.
All loans are for a fixed term of 6 months. You can repay early at any time without penalty.
Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.
Risk Warning: If the loan is not repaid, the assets may be sold.
What our customers say
I've got to say what a fabulous service; it’s the first time I've gone to a pawnbroker because I was always apprehensive of the unwarranted stigma attached to getting money on an asset. I had urgent legal bills for a barrister to issue an injunction and your service delivery was excellent - if only I knew it was that painless and friendly.
I came across unbolted at a very difficult financial time, instead of selling my items I could borrow against them. I wish I knew about Unbolted before. Very friendly staff and prompt payment. Every single question answered promptly too. Will definitely recommend and use again.
Excellent rates. Excellent service. Simply the best relative to all other credit offerings in the UK market. Well done!
Crystal Palace, London
Helped when I needed it. Had some jewellery which I secured with them. The whole process was easy and painless. Great service, great communication throughout and would use again. Had a trouble free experience.... first time I have used it but probably not the last.
I needed a short term, low cost loan and having searched companies online, including those I had used before, decided on Unbolted for a loan against assets. The team at Unbolted were quick, efficient and friendly and I had a hassle free loan faster than ever before. Excellent service, thank you.
NewtonAbbey, Northern Ireland
The valuation was very fair and considerably better than any of the lenders I had approached previously, who seemed only interested in making a ridiculously huge margin and never valued the items anywhere near what they were worth. Thank you so much for helping me at a moment I really needed help.
My experience with Unbolted has been very positive, and I have found them to be a very professional set-up all round. I also felt their rates and total offering was by far the most attractive financial option for me, when compared to other similar options available to me at the time.
Kingston, Greater London
Excellent friendly service. I was able to contact an individual straight away on the phone and they would always get back to me promptly if I left a message. The online form was simple,clear and easy to use,making the whole process stress free.
A professional and discreet means of lending, with courteous and trustworthy service throughout. I can thoroughly recommend Unbolted.
Lyme Regis, Dorset
Extremely happy with the services provided by Unbolted. Prompt response and monies received . Would highly recommend.
The whole process is very straight forward and you are guided as you go along by constant updates. The interest rate is very good and you are told exactly what you will have to pay back. I would recommend this service to any of my friends or family and would definitely use Unbolted again.
Nantwich, Cheshire East
Very satisfied so far, hopefully redeeming will be just as straightforward. Team were always very helpful at all times and I would gladly recommend Unbolted's services, with some of the better interest rates around I think.
I would just like to compliment you all on your professional and indeed very friendly service. It certainly took the chill out of what most people perceive as a difficult situation. Very impressed!
Grove Park, London
Good Service. Smooth and fast so far, very attentive and pleasant.
Excellent customer service. Quick and prompt transaction. Pleasure to do business with.
An easy and good value loan.Great stuff. Quick and hassle free. Far lower interest than many other options.
Borrow directly from peer-to-peer lenders at low interest rates. Rep APR: 49.2%
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