Unbolted

Pawn-style P2P lending secured against luxury items. Watches, art, jewellery, and classic cars as collateral.

Founded

2014

Geography

General Information

Unbolted is an FCA-authorised P2P platform founded in 2014 operating a pawn-style lending model secured against luxury items — watches, art, jewellery, and classic cars — with approximately £38 million facilitated. The platform operates a secondary market.

How does it work?

Borrowers submit luxury items for valuation. Approved items are held as collateral. If a borrower defaults, Unbolted can sell the collateral to recover investor capital. LTV ratios are typically conservative.

What do they offer?

Luxury-asset-backed loans with a minimum of £1,000. Collateral includes watches, fine art, jewellery, wine, and classic cars. Secondary market available. Loan terms typically under 12 months.

Who is it for?

Suited to investors interested in asset-backed lending with non-traditional collateral. Luxury asset valuations can be volatile and subjective. Capital is at risk.

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Last reviewed: February 2026Sources: FCA Register, Companies House, platform disclosures

Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.

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