Collateralised lending is quick and easy financing, which means getting funds immediately upon delivery of the pledged valuables. It is also a flexible solution as it allows you to choose the duration of the loan, which can be renewed every 3, 6 or 12 months, up to a maximum of 3 years. Since it not based on the creditworthiness of the customer but on the value of the pledged assets, is also accessible to everyone

For the entire duration of the loan, the pledged valuables are secure since they are insured and stored in state-of-the-art safes monitored by 24/7 security systems. Many customers also use collateralised lending for short periods of holiday or absence from home as a replacement for traditional safety deposit boxes, which are increasingly expensive and difficult to find

Every month public auctions are organised at our branches where you can freely participate to try and purchase, also through secret written or online bids, the 2% of unredeemed valuables at competitive prices. The value of the precious items is certified by our experts and prior to each auction you can view the available lots, their descriptions and reserve prices, conveniently via the App KrusoK Aste or by going to exhibitions in person to make a prior assessment.

At the end of the loan, you can renew your policies conveniently online by the App Kruso Kapital or at a branch, paying only the interest accrued and the fees due up to that time. Renewal can also be made by proxy by filling in the appropriate form you can download here. At or prior to the end of the loan period, you can redeem your asset by going to the branch; just settle the loan by bank transfer or in cash at the branch where the policy was initially issued or via App Kruso Kapital.

Ask directly at the branch for the revaluation service
If at the time of the renewal the objects you have pledged are worth more than the previous estimate, if you wish you can obtain a higher loan on the same assets: with the revaluation of your objects you have the possibility of increasing the value of your valuables.
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by accessing the online assessment from the website or the Kruso Kapital App you can obtain credit wherever you are, immediately, intuitively and in total safety from start to finish, without having to go to a branch anymore.