Purchase Finance

Buy now, finance up to 80% and repay in 12 monthly instalments

Spread the cost

Why pay up front when you can spread the cost of up to 80% of the purchase price over 12 convenient monthly instalments.

Just purchase an item from one of our network of partners for an eligible sale price, typically between £4,000 and £100,000, take possession of it immediately and feel great about your purchase knowing you can repay in easy instalments.

Representative APR of 25% on the financed portion of your purchase.

Why choose Purchase Finance?

No stress

Spreading the cost means you can buy your dream item without worrying about the upfront price, giving you peace of mind.

Be ready

Apply for finance either before or after the sale, allowing you to snap up items you’ve been waiting for while managing your cash flow.

Grow your collection

Follow your passion for collecting without compromises. Only pay interest on the financed amount.

Step-by-step

Find an item you’d like to buy at one of our specially selected auction house and collectibles marketplace partners.

Apply online in minutes and receive a response within 2 days. You can even apply after you’ve won an auction.

If your item is being sold at auction place a winning bid, or if it’s being sold for a set price then we can secure it for you.

Sign into our dashboard with your Spey account to confirm your offer, and then pay the non-financed portion.

The item is now yours! The 12 monthly repayments will be automatically processed.

£10,000 now or £739.16 x 12 months

Representative example purchase, including £2,000 up front. Marketplace fees not included and cannot be financed.

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 spread the cost?

Contact us