Zero Personal Liability
Your only exposure is the asset you pledge. If you choose not to repay, the pledged item covers the loan. No collections, no credit damage, no legal exposure. Unlike any bank loan, credit card, or personal guarantee.
What Others Have Borrowed
Patek Philippe Nautilus
$155,000 funded in 48 hours
Gold Coin Collection
$48,000 funded in 3 days
Diamond Tennis Necklace
$12,500 funded in 48 hours
55% of borrowers return for a second loan.
What You Can Borrow Against
How much you can typically receive, by asset category.
Luxury Watches
Rolex, Patek Philippe, Audemars Piguet, Cartier
Borrow 50-65%
Fine Jewelry
Diamonds, rings, necklaces, bracelets, gemstones
Borrow 40-60%
Fashion & Handbags
Hermes, Chanel, Louis Vuitton, limited editions
Borrow 40-55%
Fine Art
Paintings, sculptures, limited edition prints
Borrow 40-55%
Precious Metals
Gold bars and coins, silver, platinum, palladium
Borrow 60-70%
Vehicles, Wine & More
Classic cars, rare wine, banknotes, collectibles
Borrow 40-55%| Your Asset | Appraised At | You Receive | Term | Monthly Cost | Total to Repay |
|---|---|---|---|---|---|
| Patek Philippe 5711 | $85,000 | $51,000 | 6 months | $468 | $53,805 |
| Gold Bar Collection | $60,000 | $39,000 | 3 months | $358 | $40,073 |
| Diamond Riviere Necklace | $45,000 | $22,500 | 6 months | $225 | $23,850 |
Interest rates range from 10-20% annually, negotiated per transaction. 0.5% origination fee. No hidden charges. No prepayment penalty. Your asset is returned in full upon repayment.
Four Steps to Funded
Tell Us What You Have 2 minutes
Describe the items you'd like to borrow against. Watches, jewelry, gold, art, wine, handbags, vehicles, or other valuables. We'll give you an initial estimate within 24 hours.
We Appraise and Secure It same day or 2-3 days
Your items are transferred to one of our insured custody partners, authenticated by certified experts, and professionally appraised. You receive a clear valuation and eligible loan range.
Choose Your Terms, Get Funded 24-48 hours
You set the loan amount (typically 50-70% of appraised value), duration (30 days to 12 months), and payment schedule. Once matched, funds are wired to your account, typically within 48 hours.
Repay Anytime, Get Everything Back on your schedule
Pay back principal plus interest on your schedule. Prepay without penalty if your plans change. Once repaid, your assets are released and returned in the same condition. It's that simple.
Why Borrow with RealWorld.fi
No credit checks | No income verification | No credit bureau impact
Your loan is secured entirely by your physical assets. Nothing else.
You Keep Ownership
Your items remain legally yours throughout the entire loan. Held in insured custody on your behalf. Once you repay, everything comes back in the same condition.
Complete Privacy
No credit checks, no income verification, no paperwork beyond identity verification. Your financial profile and credit score stay completely untouched.
Flexible Terms
Choose terms from 30 days to 12 months. Pay interest monthly or at maturity. Refinance if you need more time. Prepay without penalty.
Transparent Costs
10-20% annual interest, negotiated directly. 0.5% origination fee, no hidden charges. You see exactly what you'll pay before you commit.
How Your Assets Stay Safe
Independent German Trustee
Your assets are held under a regulated German trust structure, legally separate from the company's operations. Your property remains protected regardless of circumstances.
Museum-Grade Custody
Your items are stored at the same insured facilities used by museums and family offices. Bonded, insured, climate-controlled, monitored 24/7.
Expert Authentication
Every item verified by certified appraisers. Condition reports, provenance documentation, and current market-value assessments protect both you and your assets.
Regulated German Trust
One Conversation Away from Funded
Use our instant loan estimator to see how much you could receive. No signup required. Or ask your advisor to connect you with our team directly.
Get Your Loan Estimateinfo@realworld.fi | +1 940 619 56 95
Your introducer will receive credit for the referral. Minimum loan: $500.