Every loan is billed clearly and privately, with the payment method that works best for you or your business.
Visa, Mastercard, American Express, and Discover are accepted for loan fees and deposits.
Most CommonDirect bank transfer or ACH is available for members who prefer to pay without a card, and is the standard method for business accounts.
Business PreferredFor larger loans or multi-piece bookings, a wire transfer can be arranged directly with Client Services.
By RequestApple Pay and Google Pay are supported for card-linked payments through your member portal.
Approved business accounts may request net terms and consolidated monthly invoicing rather than per-loan billing.
Business OnlyPersonal or business checks are accepted for established members, subject to standard processing time before a loan is confirmed.
Once a piece is reserved, you'll receive a clear summary of the loan fee and duration before any payment is taken.
A refundable deposit is authorized (not charged, where paid by card) at the start of the loan and released upon the piece's return in its original condition.
The loan fee is charged once the piece ships to you; the deposit is released separately after inspection, typically within 3–5 business days of return.
Business members with net-term invoicing receive a single monthly statement rather than a charge per loan, itemized by piece and date.
Because every piece is insured for its full appraised value, deposits are kept proportional and are never a barrier to borrowing. We'd rather explain the number directly than bury it in fine print.
Scaled to the piece, not a flat rate — a statement ring and a couture gown carry different deposits.
Disclosed before you commit, alongside the loan fee, never added as a surprise at checkout.
Released promptly after the piece is inspected and confirmed in its original condition.
Waived for established members on a case-by-case basis, at our discretion, as trust builds over time.
Only with your consent, and only for the purpose of processing loan fees and deposits. Your information is never sold or shared, and you can request it be removed at any time.
In some cases, yes — reach out to Client Services and we'll discuss what makes sense for the piece and duration.
Established business accounts on net terms often move to a standing deposit arrangement rather than a per-piece hold — this is set up individually with Client Services.
We'll reach out directly before doing anything else. Loans are never cancelled or piece access revoked without a personal conversation first.