Consignor Advance

Get up to 50% paid up front, repay when your item is sold

Get paid up front

Why wait for your item to sell before getting paid when you can get up to 50% of its value paid to you up front.
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Just consign an item for sale with one of our network of partners with an eligible value, typically between £5,000 and £100,000, and get paid within days if you’re approved, meaning more money in your pocket.

No commission on your sale proceeds. Representative APR of 26.5% on your advance, up to a maximum of 6 months, and if your item sells sooner you'll pay less interest.

Why choose Consignor Advance?

Get paid now

Get a portion of the expected proceeds without waiting for the sale. Spey’s expert partners will make sure your item achieves the best possible sale price.

Commission free

Spey takes no commission on sale proceeds, just pay interest on the advance until the item is sold, which can be repaid automatically from sale proceeds.

Affordable

We take into account the item value as well as your finances, so a Consignor Advance is more affordable than you think.

Step-by-step

1. Consign your item
2. Apply
3. Finalise
4. Get paid
5. We’ll do the rest

Consign your item with one of our specially selected partners and let them know you’re interested in a Consignor Advance.

Apply online in minutes and receive a response within 2 days.

Sign into our dashboard with your Spey account to confirm your offer.

Receive your funds within a couple of days.

The advance and interest can be automatically repaid from the sale proceeds. If the item doesn't sell a new contract can be agreed.

£5,000 up front

Representative example consignment

£10,000

Item value

£5,000

Consignment Advance

6 months

Time until sold

26.5% (fixed)

Interest rate

26.5%

Representative APR

£5,625.42

Total repaid

Why choose Spey?

It’s fast, easy and secure

Apply online and get a decision within 2 days, while the latest in encryption and ID verification technology keep your data secure.

Made for collectors

Our partnerships with leading auction houses, marketplaces and dealers make financing your purchase or sale convenient.

Personalized to you

Some finance providers only look at credit score. We look at the whole picture, including your income and the item you’re financing.

Want to get paid up front?

Contact us