Discover how much you can borrow
Att ta ett lån med värdeföremål som säkerhet kan vara ett effektivt sätt att snabbt få tillgång till pengar. Hos Pantlån får du en tydlig bild av hur mycket du kan låna baserat på dina föremåls värde. Här förklarar vi vår process som ger dig den information du behöver.
How it works
1. Evaluate
Få en preliminär värdering direkt. De flesta varor kan du värdera med vår AI-teknik online. I unika fall behöver du skicka in din vara till våra experter.
2. Skicka in din vara
Välj ett fraktsätt som passar dig. Upphämtning, express, lämna hos posten. Bara att välja. Oftast levereras din vara inom en arbetsdag till oss.
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3. Get paid
Vi kontrollerar nu din vara och du får ditt erbjudande. Accepterar du ditt erbjudande får du pengarna utbetalda via swish inom 5 minuter.
Valuation - the heart of the loan decision
It all starts with the valuation. As you are not a personal guarantee for the loan, your loan amount is based entirely on the value of your jewelry and watches.
In other words, the value of your items is key to the loan amount you can get. At Pantlån , we use a combined technique of digital AI valuation and manual expertise to determine the value of your items.
Step 1 - AI valuation
Our digital valuation is your first contact with the loan process. Through a description and a picture of your jewelry, we get the information we need.
Our advanced AI algorithm uses this information to provide a preliminary valuation. The model is based on complex algorithms that use information from millions of different items to determine an approximate value of your jewelry with high precision.
Step 2 - Manual valuation
When your item arrives with us, it undergoes a thorough examination by our valuation experts. They look at the authenticity, condition, brand, weigh, measure and evaluate all the factors that affect the resale value.
Understanding resale value
Det är viktigt att förstå vad vi menar med andrahandsvärde. Detta värde representerar vad ditt föremål är värt på den öppna marknaden i dess nuvarande skick.
Detta värde kan påverkas av många faktorer, inklusive varumärkets popularitet, föremålets tillstånd och rådande trender på marknaden.
Calculation of the loan amount
With the resale value established, Pantlån can offer a loan up to 80% of this value. This loan facility is designed to provide a buffer for fluctuations in value and ensure that you can get a fair amount for your item.
Security throughout the loan process
The safety of your items is of the utmost importance to us. From the moment you send your item to us, until it is safely stored, it is insured and protected. We also offer a range of shipping options that allow you to choose what is most convenient and safe for you.
Pantlån stands for transparency. When you borrow from us, there are no hidden fees. Everything is clear from the start. What's more, we don't run credit checks through UC, which means your loan won't affect your credit score.
Loans with jewelry or watches as collateral with Pantlån is a smooth process free from personal debt and unnecessary bureaucracy. We value your item fairly and offer a secure and transparent route to finance.
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