If you want to fund holiday gifts without carrying a high-interest credit card balance or selling investments, you can borrow against luxury assets you already own. Borro lends up to 65% of the value of luxury watches and fine jewelry, 50% of diamonds, 70% of gold and 45% of designer handbags, with loans from $2,500, no credit check and funding in as little as one business day once approved. Your items are held in fully insured, secure safekeeping and returned when you repay.
Borro Loan Terms at a Glance
| Asset | Borro lends up to | Minimum loan |
|---|---|---|
| Luxury watches | 65% of value | $2,500 |
| Fine jewelry | 65% of value | $2,500 |
| Diamonds | 50% of value | $2,500 |
| Gold and precious metals | 70% of value | $2,500 |
| Designer handbags (items $1,000+) | 45% of value | $2,500 |
Planning holiday gifts? Borro lends against watches, jewelry, diamonds, gold and designer handbags, with loans from $2,500, no credit check and funding in as little as one business day. Get a no-obligation quote or call 720-458-6788.
Why Use an Asset-Backed Loan for Holiday Gifts?
- Keep what you own: borrow against a watch or jewelry instead of selling it.
- No credit check: the loan is secured by your asset, not your credit history.
- Speed: once approved, funds can arrive in as little as one business day, in time for holiday shopping.
- Privacy: no personal guarantee and no personal or business financial statements.
Compare the total cost of any option before you borrow. Credit cards and store cards can charge high interest if a balance isn’t paid off quickly, and your Borro loan specialist will explain Borro’s terms in writing before you accept.
Which Assets Work Best?
- Luxury watches from Rolex, Patek Philippe, Audemars Piguet, Omega and Cartier. See luxury watch loans.
- Fine jewelry and diamonds, especially signed pieces and certified stones. See jewelry and diamond loans.
- Gold bullion, coins and jewelry. See gold loans.
- Designer handbags from Hermès, Chanel and Louis Vuitton. See handbag loans.
Plan Ahead for the Holidays
Start a few weeks before you need the money. Gather proof of ownership, receipts, certificates, boxes and papers, which support a stronger valuation. Request a quote early so there’s time for appraisal and approval before Black Friday or year-end gifting deadlines.
How It Works
- Request a quote. Tell Borro about your item and how much you want to borrow.
- Appraisal. A Borro valuation expert assesses authenticity, condition and current market value.
- Loan offer and funding. Borro makes a final offer; once you accept, funds can arrive in as little as one business day.
- Repay and reclaim. Your item stays in fully insured safekeeping and is returned when you repay.
The Gift That Does Not Ask You to Sell
December has a particular glow. Candles in windows, wrapping paper in a drift across the floor, a box tied with ribbon that someone has been waiting all year to hand over. You want to get it exactly right. You want the moment they lift the lid to be one they remember.
The trouble is that generosity and timing do not always arrive together. A watch on your wrist, a bracelet in a drawer, a gold chain that has not seen daylight since spring: these hold quiet value, and they can feel stubbornly out of reach when the season turns expensive. Selling any of them seems wrong. It would be like trading a chapter of your own story for a few presents.
There is a gentler idea. Let the pieces you love stand behind the gifts you want to give. Keep the ownership, keep the story, and let them rest somewhere safe while the season does what the season does. By January, the hardest work is behind you, and the piece you set aside is waiting.
That is what Borro was built for. You borrow against a watch, jewelry, diamonds, gold or a designer handbag, the item stays in insured, secure safekeeping, and when you repay it returns to you. Someone opens a gift they will treasure. You still own what you treasure most.
Frequently Asked Questions
Can I borrow against my watch or jewelry to pay for holiday gifts?
Yes. Borro lends up to 65% of the value of luxury watches and fine jewelry, with loans from $2,500 and no restrictions on how you use the funds.
How fast can I get the money?
Once your loan is approved, funds can arrive in as little as one business day. Apply a few weeks before you need the money to allow time for appraisal.
Does Borro check my credit?
No. The loan is secured by your asset.
Will borrowing affect my taxes?
Tax treatment depends on your circumstances, so speak with a tax adviser.
Can I add more items later?
Ask your Borro loan specialist about adding collateral to an existing loan.
See what your assets could unlock this season. Borro has lent more than $1 billion and holds an A+ BBB rating. Apply now or call 720-458-6788 to speak with a valuation expert.
