Aug 5, 2025
Introduction – Trusting Us With More Than an Item
At Xammany Luxury, we understand the question behind the question:
“If I leave my watch or necklace with you... will it be safe?”
You're not just handing over a piece of jewelry. You're trusting us with something personal, valuable, and often emotionally significant. Whether it's a diamond ring from a past relationship or a Rolex you gifted yourself after a milestone, the anxiety is natural.
This guide is for you if you’re wondering:
Where does my jewelry go during the loan process?
Who handles it?
How do I know it’s protected?
We believe transparency builds peace of mind. So here’s exactly what happens—step by step—when you entrust us with your luxury item.
Step 1: Private, Secure Intake
Your journey begins with a confidential consultation, either in person or virtually. Once you decide to proceed with a loan:
We inspect your item in your presence, walking you through every detail
High-resolution photographs are taken as a condition record
A secure digital intake form is created and sent to you for full transparency
You receive a loan agreement that’s clear, jargon-free, and fair
Nothing happens without your signature and full understanding. We never pressure you into moving faster than you’re ready.
Step 2: Professional Evaluation & Documentation
Every item is evaluated by a luxury specialist trained in:
Fine jewelry (GIA standards)
Timepieces (especially Rolex, Patek Philippe, Audemars Piguet)
Designer goods (Hermès, Chanel, Louis Vuitton, etc.)
We document:
Brand and serial number verification
Precious metal and gemstone quality
Market value range based on current demand
You’ll receive a copy of the evaluation—whether you take the loan or not.
Once your item is accepted for collateral, it’s stored in a climate-controlled, high-security vault protected by:
24/7 monitored surveillance
Dual-authentication access protocols
Insurance coverage for full replacement value
RFID tagging and barcoded logging for traceability
Your item will not be worn, altered, or moved without purpose.
It is not placed on display. It is not sold. It is not touched.
Step 4: Ongoing Loan Support
While your item is stored, your equity loan runs according to your agreement. What makes us different:
No hidden fees – You’ll know the terms from day one
Flexible repayment options – You can extend, pay down early, or reloan with ease
Personal contact – You’ll always deal with the same concierge, not a call center
We check in with you as your due date approaches—not to pressure, but to support.
Step 5: Return, On Your Terms
Once your loan is repaid, your item is:
Verified against intake photographs
Cleaned and gently polished if requested
Returned to you via secure in-person pickup or insured courier service
If you decide not to repay the loan, ownership transfers only after the full loan term lapses and in accordance with your state’s lending laws.
You are never “tricked” into a sale.
You remain in control the entire time.
Why People Are Surprised (In a Good Way)
Many first-time clients come in nervous and leave saying:
“I had no idea this was so elegant.”
We’ve designed every part of the process to feel more like a private banking experience than a pawn transaction.
Because when you’re trusting someone with something that has emotional and monetary weight, you deserve more than a lockbox—you deserve respect.
Ready to Begin? Let’s Talk.
Considering a luxury equity loan but unsure what to expect?
Let’s start with a private consultation—no obligation, no pressure. We’ll help you understand your item’s value, your loan options, and what a safe, respectful process looks like from beginning to end.
