Questions and answers

Yes we do. We can often offer more in payment if you do not want the opportunity to buy your item back later.

Sign up for our chat and we can make a purchase offer for you.

A pawn loan is just a loan against collateral. The bank does it in houses, we do it in objects.

It works by handing in one or more items to us as collateral and you get a loan.

Write on our chat so we can assess your item and come up with a non-binding offer for you on a pawn loan.

You decide the maturity of your loan yourself.

When we enter into a loan agreement, it usually runs for 2-3 months, but it can easily be longer or shorter. There is no maturity on your loan, so you decide whether you want to borrow for 14 days, 1 month, 3 months, 9 months or a completely different maturity.

We generally accept all types of items as long as they have a value over DKK 2,000.

Write to us on the chat and get a free assessment of your item and a non-binding loan offer.

We pay a share of the value of your item – up to 80% of the value depending on the type of item.

Some types of items we can pay out more than others, for example. we can pay a very high share in gold, while it is lower for things that are difficult to assess as art.

Write to us on the chat and get a free assessment of your item and a non-binding offer on what you can get in loan

We always strive to pay as soon as possible.

With the vast majority of things you can get the money right away – once you have filed your items and we have signed the contract.

Some things require authenticity to be verified; eg. expensive watches and designer bags. With these items we get an affiliate expert to verify the item and then pay out. In most cases, this is done on the same day.

Yes you can, with smaller amounts.

With larger payouts, this is only done through bank – it is done with instant transfer so you have the money right away.

You can calculate costs in our loan calculator.

If you want to hear how much it costs for a specific loan, write to us for a tailor-made and free loan offer.

No – your item will not be used, displayed or removed from the secured warehouse while you have borrowed from us.

If you do not repay or extend the loan on time, your repayment right will lapse.

However, we always prefer that you get your item back, so if you want a reprieve or need some more time, please contact us.

You will not be charged any additional costs and you owe us no money. We thus send you neither for debt collection nor for RKI. Thus, you should not be afraid if you cannot, in anticipation, buy back your valuables.

We can lend to anyone, regardless of financial situation – we only look at to the value of the item, and we do not examine your personal finances. Therefore, it is not an obstacle if you are registered in RKI.

You can transfer money to us at:

MobilePay: 101038 (nofipa)
Bank Account: 0520-0000744638

Remember to enter your contract number when you transfer to us so that the money is registered correctly.

We sell things in different places – among others on DBA, Facebook, Lauritz, Chrono24, Vestiaire Collective, and through our network.

You can see most of our items for sale on these 2 profiles:

– http:////www.dba.dk/saelger/privat/dba/403333

– http:////www.dba.dk/saelger/privat/dba/6789661

Write to us if you want to be listed in our buyer’s directory.

A pawn loan is just a loan against collateral. The bank does it in houses, we do it in objects.

It works by handing in one or more items to us as collateral and you get a loan.

Write on our chat so we can assess your item and come up with a non-binding offer for you on a mortgage.

Everyone has the opportunity to become a customer of http://localp.tik.

Our requirements are simply:
– You have a valid ID
– You have an item of value that you can deliver to us as security.

Write to us on chat and get a non-binding loan offer.

If you have applied elsewhere for a regular loan and have been rejected, it is because your credit rating has been rejected.

At http://localp.tik we do not relate to your personal finances or situation – we only look at the item you can provide in security.

Write to us on the chat and see if we can help you.

We generally accept all types of items as long as they have a value over DKK 2,000.

Write to us on the chat and get a free assessment of your item and a non-binding loan offer.

We pay a share of the value of your item – up to 80% of the value depending on the type of item.

Some types of items we can pay out more than others, for example. we can pay a very high share in gold, while it is lower for things that are difficult to assess as art.

Write to us on the chat and get a free assessment of your item and a non-binding offer on what you can get in loan

We always strive to pay as soon as possible.

With the vast majority of things you can get the money right away – once you have filed your items and we have signed the contract.

Some things require authenticity to be verified; eg. expensive watches and designer bags. With these items we get an affiliate expert to verify the item and then pay out. In most cases, this is done on the same day.

The interest rate depends on how much you borrow – you can see more in our loan calculator.

The more you borrow, the lower the interest rate.

Our interest rate is as low as 2.95% on loans over DKK 15,000.

Yes.

We insure your item at the valuation value. We store your item in insured and security-approved premises.

No – your item will not be used, displayed or removed from the secured warehouse while you have borrowed from us.

No, we take security in items, which is why we don’t do a credit rating.

No you should not.

When you pledge, you do not personally pay for the loan, you place an item in collateral and therefore it is not necessary to make a credit assessment or examine your finances.

If you do not repay or extend the loan on time, your repayment right will lapse.

However, we always prefer that you get your item back, so if you want a reprieve or need some more time, please contact us.

You will not be charged any additional costs and you owe us no money. We thus send you neither for debt collection nor for RKI. Thus, you should not be afraid if you cannot, in anticipation, buy back your valuables.

There is no minimum or maximum term on the loan.

You can choose to pay off your loan the day after and pay only for 1 day interest. However, we have a minimum of DKK 250 which covers our administrative costs.

For longer loan maturity, you can extend your loan as long as you need. The only thing this requires is that you pay the interest on a continuous basis. When you pay the interest on an ongoing basis, the repurchase price does not increase on the item.

When a contract (your loan) expires, you can choose to extend it. You do this by paying for an extension.

An extension corresponds to the monthly interest rate. This also means that when you pay extensions on a regular basis you pay the interest rate so your repurchase price does not increase.

Yes, you can always extend the term by paying a month’s interest.

You can extend in 2 ways.

(1) Sign up for our automatic extension on MobilePay when you do this, the interest rate will also be lower for you as it eases our administrative burden.

(2) You can also extend normally by paying the extension on MobilePay, by bank transfer or come down to us and pay in cash.

You can easily repurchase your valuables before the contract expires. There is no charge for this, and if you repurchase the valuables before the contract expires, then the repurchase price will be lower than at the end of the contract (and thus cheaper for you).

E.g:

We have entered into a contract where you have been paid DKK 10,000, and can repurchase the valuable after 90 days for DKK 11,085 (this means that the repurchase price increases by about DKK 13.16 per day).

If you would like to repurchase your valuables after 70 days, this can be done for a repurchase price of DKK 10,921 (the repurchase price has increased by DKK 13.16 every day for 70 days).

There is no charge to repay the loan early.

Yes you can.

When you repay, the principal falls on your loan, and the current interest rate also decreases.

A pawn loan is fast, easy and straightforward.

A pawn loan is just a loan against collateral. The bank does it in houses, http://localp.tik does it in objects.

Some of the benefits of a mortgage loan are,
– We can lend to anyone, regardless of financial situation – we only relate to the value of the item, we do not examine your personal finances.
– We have the opportunity to pay off your loan on the same day.
– You cannot debt with a mortgage loan
– Mortgage loans are a cheap alternative to online loans and overdraft facilities at shorter maturities.

Write us the chat and get a non-binding loan offer.

We store your item in insured and safety approved premises.

We insure your item at the valuation value – so in the very unlikely and unfortunate situation that something should happen to your item, it is insured.

With very valuable items such as gold, jewelry and watches, they are stored in a bank box. With other items such as furniture in highly secured warehouse rooms, where moisture and temperature are carefully controlled.

No, there are not some who can.

Discretion and your personal data are incredibly important to us.

You can easily have other loans and still get a pawn loan with us.

We only deal with the item you are filing and not your finances.

If you submit a description and some pictures to us on the chat, we can assess the value of your item.

For the assessment, we look at what items similar to yours are sold for online – ie the market price.

We base ourselves on prices on public platforms such as DBA, Facebook, Chrono24 and more, as well as auctions like Lauritz.com and in addition our internal database and expert network.

Send us a description and some pictures for us on the chat and we will evaluate your item for you.

You can also use our form here on the website “Get an assessment” – it is free and non-binding.

We pay between 50-85% of the value of your item.

For most item types, we usually pay 50%, but if the item holds value over time, such as gold and rolex watches we can pay a larger share.

We always strive to pay as soon as possible.

With the vast majority of things you can get the money right away – once you have filed your items and we have signed the contract.

Some things require authenticity to be verified; eg. expensive watches and designer bags. With these items we get an affiliate expert to verify the item and then pay out. In most cases, this is done on the same day.

We pay the money with a bank transfer so you have the money in your bank account right away. It is also possible to pay the loan in cash.

Yes you can, with smaller amounts.

With larger payouts, this is only done through bank – it is done with instant transfer so you have the money right away.

With certain types of objects there are replica versions of them (ie counterfeit), which is why we get an area expert to verify authenticity.

These are item types such as watches, art, designer furniture and designer bags eg.

We have affiliate experts who verify the authenticity of your item

Yes, it must be filed in our store in Copenhagen or Aarhus.

It must be delivered in our store in Copenhagen on Store Kongensgade 59F or in Aarhus on Østergade 33 st th

We always recommend ordering time for the delivery of your item, as there is less likelihood of waiting for other customers. But it is not necessary

We store your item in insured and security-approved premises.

We insure your item at the valuation value – so in the very unlikely and unfortunate situation that something should happen to your item, it is insured.

With very valuable items such as gold, jewelry and watches, they are stored in a bank box. With other items such as furniture in highly secured warehouse rooms, where moisture and temperature are carefully controlled.

In some cases, we may pick up the item at your address. However, not all object types are possible where this is possible. We offer pick-up on payments over DKK 25,000.

Call or write to us to hear if we can pick up at your address.

At present, we only pick up near Copenhagen and Aarhus. But we can offer to pay to have it sent to us by mail.

Call or write to us at chat to order pickup for your item.

We offer pickup at larger loan amounts.

Yes, you can send your item by mail, we will gladly pay for the freight.

Yes, we mean it is.

If you want to send your items by mail we recommend GLS or Postnord.

Postnord offers to insure your packages, which is a good solution with higher value items.

Write to us on the chat and we can agree that we buy a package label for you.

Yes, we gladly pay for the freight of your item.

You can send your item by mail to our address.

Before sending, please send some pictures and description to our chat – we can in most cases give a rating on this background.

You get your item back by paying the buyback price

You can calculate costs in our loan calculator.

If you want to hear how much it costs for a specific loan, write to us for a tailor-made and free loan offer.

We are currently developing a customer portal where you can get an overview of your contracts and repurchase price.

Right now, you will see the purchase price reflected in the emails we send out.

If you would like to know your withdrawal price, you are also welcome to write to us on the chat.

If you do not repay or extend the loan at the agreed time, your repayment right will lapse.

However, we always prefer that you get your item back, so if you want a reprieve or need some more time, please contact us.

You will not be charged any additional costs and you owe us no money. We thus send you neither for debt collection nor for RKI. Thus, you should not be afraid if you cannot, in anticipation, buy back your valuables.

You can easily repurchase your valuables before the contract expires. There is no charge for this, and if you repurchase the valuables before the contract expires, then the repurchase price will be lower than at the end of the contract (and thus cheaper for you).

E.g:

We have entered into a contract where you have been paid DKK 10,000, and can repurchase the valuable after 90 days for DKK 11,085 (this means that the repurchase price increases by about DKK 13.16 per day).

If you would like to repurchase your valuables after 70 days, this can be done for a repurchase price of DKK 10,921 (the repurchase price has increased by DKK 13.16 every day for 70 days).

There is no charge to repay the loan early.

If the contract has expired and your item is not repurchased or extended, we will go out and sell it to cover the loan.

However, if it is just a matter of being delayed a little bit about. Of course the payment of the extension is perfectly ok – just call or write to us on the chat so we will get it listed and get the details agreed.

No, we don’t.

We always prefer that you get your item back, so even if a contract is over with a few days, we do not sell your items. Usually we say that if 10 days have passed after the contract has expired and we have not heard from you, we will put the item up for sale.

If you already know in advance that you cannot pay or extend on time, please contact us by phone or chat, we may be able to make a specific agreement with you.

You don’t even have to remember when your contract expires – We send reminders to you both by mail and sms when your contract is about to expire or if it has expired

Yes, you can extend your contract automatically. If you sign up for our mobile payment solution, it will automatically renew your contract if there is money in your account. In addition, you get a cheaper interest rate by signing up for auto renewal on mobile pay. Write or call to hear more

We are currently developing a customer portal where you can get an overview of your contracts and repurchase price.

Right now, you will see the purchase price reflected in the emails we send out.

If you would like to know your withdrawal price, you are also welcome to write to us on the chat.

Your monthly renewal premium is reflected in your contract.

Your extension will depend on what you have borrowed; down to 2.95% for larger loans.
If in doubt, write to us on the chat.

You pay off your loan by paying the repurchase price of your item. You can redeem by paying the money to our bank account or mobile payment. Write to us to hear what your buyback price is today.

Yes, you can always extend the term by paying a month’s interest.

You can extend in 2 ways:

(1) Sign up for our automatic renewal via MobilePay – when you do, interest rates will also be lower for you as it eases our administrative burden.

(2) You can also extend normally by depositing the extension on MobilePay, by bank transfer or coming down to us and paying in cash.

If you do not repay or extend the loan on time, your repayment right will lapse.

However, we always prefer that you get your item back, so if you want a reprieve or need some more time, please contact us.

You will not be charged any additional costs and you owe us no money. We neither initiate a debt collection process nor register you with RKI. Thus, you should not be afraid if you cannot buy back your valuables as planned.

It does not matter. We keep all contracts digitally. You can contact us on the chat, call us, send an email or visit us in our store to have a new copy sent to your email.

We always recommend booking time to pick up your item, as there is less likelihood of waiting for other customers. But it is not necessary

Yes you can.

When you repay, the principal falls on your loan, and the current interest rate also decreases.

You can easily repurchase your valuables before the contract expires. There is no charge for this, and if you repurchase the valuables before the contract expires, then the repurchase price will be lower than at the end of the contract (and thus cheaper for you). For example: We have entered into a contract where you have been paid DKK 10,000, and can repurchase the valuables after 90 days for DKK 11,085 (this means that the repurchase price increases by about DKK 13.16 per day). If you would like to repurchase your valuables after 70 days, this can be done for a repurchase price of DKK 10,921 (the repurchase price has increased by DKK 13.16 every day for 70 days). There is no charge.