Our Promise – The Standards That Define Edinburgh Asset Finance
At Edinburgh Asset Finance, every client interaction is guided by a commitment to integrity, discretion and consistently delivering good customer outcomes. Although we work with high-value assets, we understand that the true value of our service lies in the trust clients place in us.
Whether you are exploring luxury pawnbroking for the first time or are a professional recommending us to a client, our promise is clear: we act with transparency, fairness and professionalism at every stage, ensuring all clients are treated with respect and are given the information they need to make confident decisions.
As a Leading Luxury Lender, We Always:
Act with total discretion and complete confidentiality
Your privacy is essential. All discussions, valuations and transactions are conducted with absolute confidentiality, ensuring your personal circumstances remain private.
Treat every client fairly, respectfully and professionally
As an FCA-regulated lender, we place fairness at the heart of our approach. You will always be met with courtesy, clarity and a focus on your best interests.
Deliver good customer outcomes
We ensure that the products we offer are suitable for your needs, clearly explained, and provided in a way that supports responsible decision-making. Our processes are designed to avoid harm, avoid confusion, and maximise positive client experiences.
Provide fast, accurate and reliable decisions
All lending decisions are made in-house. This allows us to offer immediate valuations, rapid access to funds and consistent, dependable service.
Listen carefully and tailor solutions accordingly
We take time to understand your requirements so that the loan structure, communication and process are genuinely aligned to your circumstances.
Provide full transparency throughout the process
Interest rates, terms and any associated costs are always presented clearly in advance. There are no hidden fees, no unnecessary jargon and no unclear conditions.
Handle and store assets securely and appropriately
Your valuables are stored in monitored, specialist facilities suited to the specific asset type. We treat every item with the care, respect and security it deserves.
Support clients in redeeming their items
We work collaboratively with clients to give them every reasonable opportunity to redeem and reclaim their assets, consistent with the FCA’s emphasis on fair and supportive treatment.
As a Responsible, FCA-Regulated Lender, We Never:
Share your personal or contact details
Discretion and privacy are non-negotiable. We will never disclose your information to any third party without your explicit instruction.
Carry out credit checks or affordability assessments on pawnbroking loans
These are simply not required. The asset is the security, meaning your credit score and financial history remain unaffected.
Pressure, harass or pursue clients who do not redeem a loan
Clients have the right not to redeem an item. We will never chase, hassle or apply pressure of any kind. This forms part of our commitment to fair treatment and respectful conduct.
Sell unredeemed assets unfairly or below market value
We are legally required—and morally committed—to achieving a fair and accurate price for any unredeemed item. We never undersell assets, ensuring clients receive the correct treatment exactly as the FCA expects.
A Commitment You Can Rely On
Our promise is more than a statement—it is the foundation of how we have operated since 2013. It reflects our values, our regulatory responsibilities and our dedication to premium client service.
Fairness. Discretion. Integrity. Transparency. Good customer outcomes.
These principles guide every decision we make and every loan we offer.