If you want to release equity from a numberplate, Edinburgh Asset Finance (EAF) offers one of the fastest and most specialist services in the UK. We are industry leaders in providing a loan against car number plates, delivering immediate valuations and rapid funding—often within one hour of enquiry.

Unlike general pawnbrokers or online brokers who over-inflate estimates or rely on commission-based listings, we provide genuine market valuations using long-standing trade contacts. This ensures your loan is based on the true current realisable value of your plate, not speculative prices.

Whether you own a cherished, private, dateless, short or highly sought-after registration, we offer fast, confidential and expert loans against number plates that allow you to unlock capital without permanently parting with your plate. This means you have the access to short term funds while not missing out on any long term appreciation.

Number Plates We Commonly Lend Against

Dateless Plates

Highly valuable, especially when short or initial-based.

Short Cherished Plates

Single letters, single numbers, or tight two-digit combinations.

Name & Initial Plates

Consistently strong demand across the country.

Sequential, Repeating & Pattern Plates

Valuable due to rarity and desirability.

High-Value Registration Collections

We lend against individual plates or entire plate portfolios.

Whatever your plate, we can provide a fast and competitive loan against plate value.

Why Choose EAF for a Loan Against Number Plates?

Unmatched Speed — Valuation and Payout Within an Hour

Number plates are one of the quickest assets for us to assess.
Clients regularly receive:

  • Same-day service
  • Valuations and Loan offers confirmed within minutes
  • Full completion within an hour
  • Immediate payouts once terms are accepted and paperwork concluded

This makes EAF the UK’s fastest provider of loans against private number plates.

Genuine Market Valuations — No Over-Promising

Many online platforms inflate plate values to win listings.
We do the opposite, we are open and honest about what the plate is worth and therefore what we can lend against it.

Our valuations are based on:

  • Real trade insight
  • Actual recent sales
  • Popularity data
  • Rarity and desirability
  • Current market demand
  • Comparable plate performance

This ensures your loan against plate is based on a realistic, achievable value—not a speculative marketing figure.

Higher Loan Offers Thanks to Specialist Knowledge

Because we truly understand the number plate market, our lending levels are often far higher than traditional pawnbrokers or general lenders.
We regularly fund:

  • Short-format plates
  • Rare initial plates
  • Dateless registrations
  • Name/word plates
  • Desirable pattern, sequential or repeating digits
  • High-value private collections

If a plate holds genuine market value, we can lend against it quickly and competitively.

Total Privacy & Discretion

All enquiries, valuations, and transactions are handled personally and confidentially.
We work with:

  • Collectors
  • Investors
  • Business owners
  • High-net-worth individuals
  • Motor traders
  • Anyone requiring immediate liquidity

Your identity and plate details remain strictly confidential.

Retain Full Ownership — No Need to Sell

A loan against number plate gives you temporary access to capital with no need to sell or list your plate (although you may list it for sale if you wish).
Once the loan is repaid, the plate is returned back to you without delay.

This is the most efficient way to release equity from a numberplate while maintaining future use and long-term investment value.

How Our Number Plate Loan Process Works

Our service follows the same structure as our pawnbroking offering – with the added advantage that it can be completed entirely remotely—simple, fast and premium.

1. Provide Your Plate Details

Share:

  • The registration
  • Whether it’s on a vehicle or held on retention
  • The name on the retention/V5 document

We then begin immediate valuation.

2. Receive a Confirmed Loan Offer

Using trade insight and market comparables, we provide:

  • A true current valuation
  • A confirmed loan against number plate offer
  • Transparent terms
  • No credit checks
  • No intrusive financial questions

Usually in under an hour.

3. Temporary Assignment or Retention

You provide us with a copy of the V5/V750/V778 document. During the loan period the plate is securely held via DVLA retention or transfer. Ownership remains yours—this is only a temporary administrative process.

4. Immediate Transfer of Funds

Once documentation and plate transfer are complete, the funds are transferred instantly.

5. Redeem Your Plate Anytime

Simply repay the loan plus interest to have the plate returned to you immediately.

Real Example of Our Speed

A client contacted us at 0900 with a desirable two-digit dateless plate. By:

  • 09:20am – valuation completed/loan offer made
  • 09:40am – loan offer accepted
  • 09:55am – documents signed
  • 10:00am – funds released

60 minutes from enquiry to a 6 figure loan payout.

This speed is typical for number plate loans at EAF.

Why Number Plates Are Ideal Lending Assets

Private registrations offer:

  • Excellent market liquidity
  • Simple transfer processes
  • Scarcity, especially for short formats
  • Stable value
  • Strong buyer demand

This makes number plates one of the most straightforward and reliable assets to borrow against.

Who Uses Our Number Plate Loan Service?

  • Business owners needing fast working capital
  • Collectors releasing equity while retaining ownership
  • Investors unlocking cash from plate portfolios
  • Individuals funding short-term opportunities
  • Trade buyers who need temporary liquidity before a sale

Our ability to transact within the hour makes us the preferred specialist in the UK.

Unlock Rapid Liquidity from Your Number Plate Today

If you need to release equity from a numberplate, secure a loan against plate or explore loans against number plates, EAF provides the quickest, most specialist and most accurate service in the UK.

With same-hour decision-making, genuine trade-led valuations and complete discretion, we stand apart from traditional pawnbrokers and online brokers.

Contact us now—your funds could be released within the hour.

Frequently Asked Questions – Loans Against Number Plates

Can I borrow against both private and cherished plates?

Yes. We lend against all valuable plates, including cherished, private, dateless and short-format registrations. Provided the plate has a value that will allow us to loan upwards of £1000, we will lend against it.

Do I need the V750 or V778 certificate?

It helps, but it is not always essential. We can work with plates both on retention and assigned to vehicles.

How is the market value of a plate determined?

We use real trade pricing, historic sales, rarity, format desirability, plate length, character pattern and current market demand—ensuring an accurate valuation.

Are loan decisions affected by plate popularity?

Yes. More desirable initials, shorter formats, rare patterns or strong search demand may result in higher loan offers, reflecting true market conditions.

Does the plate need to be assigned to a vehicle?

No. Plates on V750/V778 retention documents are ideal for lending.

How quickly will I receive funds?

Often within an hour. Same-day payouts are standard. As soon as we have signed paperwork, and the plate has been transferred we make the payment.

Will I lose ownership of my plate?

No. Ownership remains yours throughout the loan term. We simply hold temporary DVLA control during the loan period. If the loan is not repaid then you may lose the right to redeem the plate, and it will be sold.

Do you lend against multiple plates?

Yes. We regularly fund loans against plate portfolios.

Is the process confidential?

Completely. All transactions are handled discreetly and securely.

Contact Edinburgh Asset Finance today to arrange your private appointment.