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Personal Asset Finance

Are you feeling limited by the high cost of major purchases? Whether you’re buying a boat or investing in a home gym, up-front expense can be a significant barrier to achieving your goals. That’s where we come in.

At Smart Money, we understand the frustrations – and we’re here to help with asset finance solutions tailored to suit your budget and requirements. Find out for yourself why Smart Money is already the smart choice for thousands of Islanders.

Personalised options

We believe that everyone’s financial situation is unique. That’s why at Smart Money, we take the time to understand your specific needs, and provide personalised lending, ensuring that you get the best personal asset finance solution for you.

Competitive interest rates

At Smart Money, we understand that you want to get the most out of your money. That’s why we pride ourselves on market-leading interest rates on our personal asset finance. With us, you can enjoy a cost-effective solution that won’t break the bank.

Swift decisions

With Smart Money, time is on your side. Our efficient application process means we can give you a decision faster, so you can focus on what matters most – your financial goals.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our team of friendly and knowledgeable personal asset finance professionals are on hand to answer any questions you may have and guide you through the application process.

What can a Smart Money Personal Asset Finance be used for?

Off-road Vehicles

Unleash your adventurous spirit. Conquer the terrain with your dream quad bike or off-road vehicle, without the financial roadblocks. Smart Money’s asset finance solutions can drive your passion to new heights.

Marine Finance

Whether you’re buying a motor yacht, cruiser or speedboat, Smart Money’s marine finance solutions will help you take to the seas. Let’s make it smooth sailing to the boat of your dreams.

Aviation Finance

From light aircraft to small private jets, our aviation finance solutions can be tailored to your needs. Trust our dedicated team of professionals to guide you through the journey and help you soar to new heights.

Garden Machinery

Get the garden you’ve always dreamed of with Smart Money’s asset finance. From ride-on mowers to robotic pool cleaners, we’ll help cultivate your outdoor haven with top-of-the-range garden machinery. Don’t just bloom, flourish with the right tools by your side.

Home Gym Equipment

Bring home the gym equipment you’ve always wanted, and elevate your workouts to new levels. From state-of-the-art treadmills to cross-trainers and smart exercise bikes, we can provide the financing to make it happen.

Jewellery & Watches

Indulge yourself. Our asset finance solutions help you shine bright like a diamond with exquisite jewellery and watches. Elevate your style and make a statement without breaking the bank.

Fine Art

Looking to add to your collection? Smart Money’s asset finance for fine art can provide you with the necessary funds to acquire the masterpiece you’ve been coveting. Let us help you take your art collection to new heights.


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What assets can I finance with Smart Money?

At Smart Money, we offer financing for a wide range of assets including off-road vehicles and marine vessels to luxury watches, jewellery and fine art. We also offer customised financing solutions to fit your unique needs.

How much can I borrow with Smart Money’s Personal Asset Finance?

The amount you can borrow depends on the asset you are financing, as well as your credit history, income and other factors. Our loans typically range from £5,000 to £500,000, giving you the flexibility to finance your asset purchase without breaking the bank. If your borrowing requirements are higher than this, please speak to a member of our team.

How long does it take to get approved for Personal Asset Finance?

At Smart Money, we understand that time is of the essence, which is why we offer a streamlined application and approval process. We aim to get you your funds within 24 hours of approval, and strive to make the process as quick and stress-free as possible.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.