Borrow

Cash today, keep ownership.

Bring a phone, laptop, other valuable, or a vehicle — get a short-term loan against it, and get the item back once you repay. You never lose ownership; Colatr just holds it as security.

Who this is for

Borrowing makes sense when you need cash for something temporary — an emergency expense, a short-term gap — and you want your item back once things settle. If you don't need the item back, selling outright usually pays more; see our Sell page.

Terms

Term	Flat finance charge
14 days	5.0%
30 days	10.7%
90 days	32.1%

Plus a valuation fee and a redemption fee, both disclosed in writing before you sign. A grace period applies after your due date before any late penalty.