To log in to CASHY, click on "Login" in the top right-hand corner. If you do not yet have a customer account, then click on "Register". We need the following data from you:

• First and last name

• Date of birth

• E-mail address (& telephone number)

After entering your details, choose a 6-digit password and you are registered with CASHY.

Do you already have an account with CASHY?

1. Simply click on "Profile" at the top right

2. Enter your e-mail address and password.

3. Click on "Login"

You can now access your account area.

Can't remember your password for CASHY?

No problem. You can easily reset your password:

1. Click on "Forgot your password?" under the "Login" button.

2. Enter your e-mail address and click on "Send"

3. You will receive an e-mail from us and can choose a new password via the link.

To update your personal data, click on "Profile" or the icon with the user or login in the menu to log in to your account.

1. Click on "Profile" or the icon with the user

2. Go to "Edit customer profile"

3. You can now update all data except for your name and e-mail address.

If you want to change your e-mail address, please write us a ticket or contact our customer service via the chat function at the bottom right.

To view your pawn loans, log in to your profile.

1. Click on "Current loans and sales"

2. You will find active pawn loans, pawn loans under review and closed pawn loans in your account area

You can also extend, reduce or repay your pawn loan in this area.

To view your pawn loan transactions, log in to your profile.

1. Click on "Current loans and sales"

2. Click on "Active pawn loans"

3. In this area you can now see all transactions including deposits, repayments, interest and fees.

To extend your pawn loan, log in to your profile.

1. Click on "Current loans and sales"

2. Click on "Active pawn loans"

3. You can extend your pawn loan in this area.

To repay your pawn loan, log in to your profile.

1. Click on "Current loans and sales"

2. Click on "Active pawn loans"

3. You can repay your pawn loan in this area.

You will always receive a confirmation by e-mail when you have carried out an extension or refund.

If you have not received an e-mail, please contact our customer service via the chat at the bottom right.

If you have any problems with your account, please contact our service team directly via the chat at the bottom right. We will help you as quickly as possible.

You can find a clear overview of our interest and fees in our fee schedule.

The costs for a pawn loan with CASHY consist of the issuance fee, the interest and the custody fee.

In the following example, we show you how high the fees for a pawn loan for a smartphone with a 30-day term are and how they are made up:

Loan amount: € 140,-
Issuance fee: € 5,-
Custody fee: € 4,-
Interest: € 4,90
Total fees: € 13,90

In another example, we show you how high the fees are for a pawn loan for a tablet with a term of 30 days and how they are made up:

Loan amount: € 1.000,-
Issuance fee: € 20,-
Custody fee: € 4,-
Interest: € 35,-
Total fees: € 59,-

You can find all further information about interest and fees at CASHY in our clear fee schedule.

If you extend your loan, you will have to pay the issuance fee, the custody fee and the interest.

Example:

Loan amount: € 140,-
Issuance fee: € 5,-
Custody fee: € 4,-
Interest: € 4,90
Total fees: € 13,90

If the value of your item has fallen sharply during the term of your pawn loan, you may have to make a partial repayment.

The reason for this is that you have deposited your collateral with CASHY as security. However, if this value decreases, e.g. because you have already extended it several times, your deposit is no longer sufficient as security.

Example:

Let's assume you take out a pawn loan of € 140 from CASHY. You have already extended it three times and the value of your device has fallen in the meantime. As a result, we can only offer you a pawn loan of € 120 for the following month.

In this case, you will have to make a partial repayment of € 20 and pay less fees afterwards:

Original loan amount: € 140,-

New loan amount: € 120,-
New issuance fee: € 5,-
New custody fee: € 4,-
New interest: € 4,20
Total fees: € 13,90

Partial repayment: € 20,-

You pay a total of € 33.90 for your extension.

You can have the cash for your item paid out up to a maximum of € 9,999 due to the Money Laundering Act. For higher payout amounts, the difference will be transferred to your account.

You have until the end of the grace period (4 weeks) to extend or repay your pawn loan.

A pawn loan is a form of short-term lending. As a rule, there is no credit check, as you are only liable for your loan with collateral. You deposit collateral (your pledge) as security at the pawnshop and receive a loan in return. The amount of the pawn loan is usually a partial value of your item.

This is how your pawn loan works at CASHY:

1. Valuation:
   Enter your pawned item in the search window or select it from the categories. CASHY will show you an offer including fee information for many items straight away. For individual requests, you will normally receive your offer within one working day. The amount paid out depends on the partial value of your item.

2. Deposit item:
   You hand over your item to CASHY. It will be stored there in the insured warehouse for the duration of the term until you retrieve it.

3. Interest and fees:
   The interest and fees for your pawn loan are calculated per half month. If you redeem your item earlier, you only ever pay the current fees up to the due date.

4. Repayment period:
   You can extend, reduce or repay your pawn loan at any time. After the fixed term, you also have the option of repaying or extending your pawn loan during a grace period. This may incur additional fees.

5. Returning the pawn:
   As soon as you have repaid your pawn loan in full, including interest and fees, you will receive your pawned item back.

6. Keep the money:
   You also have the option of simply keeping the money you have borrowed. In this case, your item will be auctioned off and you will be debt-free in any case. If the auction results in a higher amount, minus fees, than the amount you borrowed from CASHY, you will be paid out the surplus.

CASHY accepts collateral such as electronics, jewelry, luxury watches, designer bags and many more.

With a pawn loan from CASHY, you remain debt-free. The reason for this is that the amount paid out on your pawn loan is based purely on the value of your item. The loan amount is therefore fully covered. The pawn shop never has recourse to other collateral or assets. The amount paid out is secured purely by your pledged item.

Decide at the end of the term whether you want to conveniently extend your loan online or repay it. Of course, you can also simply leave your item to us and keep the money. In this case, your item will be auctioned off. If there is a surplus - i.e. we take in more than we have paid out to you - you will receive a share of this profit. The surplus, minus fees, will be paid out to you in full.

As a holder of the WKO seal of approval, CASHY is a reputable pawn shop.

CASHY displays your loan offer online and you can view your fees around the clock in your account area during the term. You can also conveniently process your pawn loan via your cell phone.

In an independent study, CASHY impressed not only with the best price-performance ratio but also with its high level of transparency and unbureaucratic online processing with estimated values of items and fees in real time.

Our customer service is always available for you during service hours.

If you want to return your pledged item to one of our stores you will receive your money on the same day. We can pay out your money up to € 9,999 in cash. Higher amounts or the difference will be transferred to you via PayPal or to your bank account. If you opt for a bank transfer, it can take up to 2 working days for the money to reach your account, depending on the bank.

To save even more time, you can already order your deal for electronic items online at cashy.at to request your deal. There you can immediately see how much money you can get for many items. Your item will only be checked briefly in the store before it is paid out.

You can have the money for your item paid out in cash or as a transfer to your PayPal or bank account.

Please note that a cash payout of up to a maximum of € 9,999 is possible in every branch due to the Money Laundering Act. For higher payout amounts, the difference will be transferred to your account immediately.

You can find all further information about your payment options here.

The costs for a pawn loan with CASHY are made up of the issuance fee, interest (1.75% per half month) and the custody fee. In the following example, we show you how high the fees for a pawn loan for a smartphone with a 30-day term are and how they are made up:

Loan amount: € 140,-
Issuance fee: € 5,-
Custody fee: € 4,-
Interest: € 4,90
Total fees: € 13,90

You can find all further information about interest and fees at CASHY in our clear table of fees.

A pawn loan is only possible with collateral. However, you have many options for taking out a pawn loan with CASHY.

We accept a wide range of pawned items, such as various electronics (smartphones, consoles, MacBooks, tablets, smartwatches) as well as gold, jewelry, designer bags, luxury watches, tools, life insurance, cars, motorcycles and much more. Just browse through our categoriesto submit your request to us.

You can find here all the categories that CASHY accepts for pawn loans.

Items such as clothing, furniture, bulky goods (washing machines, refrigerators, ovens, dishwashers) or weapons cannot be pawned or sold at CASHY.

If you would like to send your collateral to us, the fee for this is € 5.

We will send you an address label for shipping your parcel by email.

The shipping company is liable for a maximum of € 520 if your collateral is damaged during transport. To ensure that you are always on the safe side, you should make sure to pack your collateral carefully or bring it directly to our store yourself. Please contact us if you would like to insure your collateral.

We keep your collateral safe for you in our video-monitored storage facility during the term of the loan.

Please note: Your collateral is also insured for 1.5 times its value while it is stored by us.

The term of a pawn loan is 1-3 months. You also have the option of extending your loan or repaying it earlier at any time.

After the expiry of your pawn loan and a 4-week grace period, your collateral will be auctioned off. We will remind you of the deadline in good time before your item is auctioned off. If the proceeds from the auction are higher than your outstanding loan amount, you will be paid out the surplus less fees. However, if the proceeds from the sale are lower than the outstanding amount, you are no longer liable to pay. This means there is no additional risk for you and you remain debt-free.

If your pawn loan is extended, a small partial amount may be charged. This is made up of the interest and fees that have accrued up to the date of the extension. You can also check your fees online at any time in your account area and get a precise overview of these values here.

If the value of your collateral has fallen sharply during the pawn loan term, we must ask you to make a corresponding partial repayment.

The following brands of designer bags are evaluated by CASHY and accepted where applicable:

• Balenciaga

• Bottega Veneta

• Burberry

• Celine

• Chanel

• Chloe

• Coach

• Dior

• Fendi

• Goyard

• Gucci

• Louis Vuitton

• Prada

• Saint Laurent

If you do not repay the amount borrowed for your collateral and are unable or unwilling to extend your pawn loan, your item will be auctioned off.

If the proceeds exceed your pawn loan amount plus fees, you will of course be paid out the difference.

You have the following options for contacting our customer service:

• Get in touch with us via the chat at the bottom right during service hours.

• Visit us in one of the CASHY stores.

• Write us an e-mail to support@cashy.at.

If you want to pawn your electronics, this means that you use your device as collateral for a loan. This means you don't have to sell your item, but get it back after a short-term bridging period. You deposit your electronics with CASHY and receive an immediate pay out in cash or a transfer to your PayPal or bank account. Your device serves as a deposit and will be stored securely in our video-monitored warehouse until you return your item.

At CASHY you can pawn a wide range of different electronics such as:

• Smartphones

• Laptops and notebooks

• Tablets

• Game consoles

• Cameras

• Smartwatches

If you are of legal age and in possession of an electronic item, you can pawn it with CASHY. You can prove your identity with an official photo ID. There are no further requirements.

If you pawn your electronics at a pawn shop, you have the following advantages:

• Fast liquidity: You don't have to sell your device, but you still receive money immediately.

• No credit check: Unlike providers of other loans, CASHY does not carry out a credit check for your pawn loan.

• Flexibility: You can get your device back at any time if you can pay off your pawn loan earlier.

• Security: Your device is insured and kept under video surveillance for the duration of your pawn loan.

The lending process at CASHY is simple and transparent:

1. Online application: Get your instant quote for your electronics online. Select your desired category and immediately see the amount you will receive. You can also see the fees immediately.

2. Shipping or handover: Either drop by one of the CASHY stores or have us send you a prepaid shipping label.

3. Payout: After a brief check of your device, your pawn loan will be paidout to you immediately in cash or as a transfer to your PayPal or bank account.

4. Redemption: At the end of the term at the latest, you pay back the borrowed money plus fees and can take your item back with you. However, you can also extend or reduce your pawn loan or get your item back earlier at any time.

5. Keep the money: If you can't or don't want to pay back your pawn loan, you also have the option of simply keeping the money. Your electronic item will be auctioned off after a grace period. If the sale less fees exceeds the amount of your pawn loan, you will be paid out the difference.

The evaluation basis of our automated software and our individual evaluation is made up of the following factors:

• Condition: New or as-new electronics are worth more than used ones. Scratches, dents and other visible damage reduce the value. Functionality is also checked.

• Brand and model: Premium brands such as iPhones are valued higher.

• Age: The older your electronics, the lower the payout amount will be.

• Market demand: The current market value and demand are also taken into account for the supply.

• Accessories: An original package with complete accessories can lead to a higher bid amount.

Yes, at CASHY you can also visit one of our stores directly and get a quote. After a quick check of your electronics, one of our employees will tell you the possible payout amount. If you agree with the offer, you can pay out the money immediately in cash or have it transferred to your PayPal or bank account.

The more information you provide, the quicker and easier it is to receive your offer. For devices such as smartphones, tablets, smartwatches or games consoles, you will be shown the price and fees directly after entering your details. Simply select your category, model, condition and a few other details.

Yes, estimating the value of your electronics is completely free and non-binding at CASHY. You can see the price of many devices directly online without having to register. You can also have your device valued free of charge in the store. Please note that the amount offered is not the full value of your item. We can pay out a partial value of your device. It is always up to you to decide whether you actually want to pawn your electronics.

Once you have received and accepted an offer from us, you can conveniently send your electronics to us. Simply select "Shipping" as an option when taking out your pawn loan. We will send you a prepaid shipping label by e-mail.

If your device is rejected after inspection, we will return your item to you free of charge. If you take out a pawn loan, the shipping costs of EUR 5.00 will be deducted directly from your payout amount.

To ensure that your device arrives undamaged at CASHY, you should follow our shipping recommendations. It's best to use padding and a sturdy box to protect your device. Fill any voids to prevent movement during shipping and use strong tape to seal the box securely.

Generally, the shipping process takes 1-3 business days depending on your location. Once we have received your item, we will check it within one working day. If your offer can be confirmed, the amount will then be transferred to your PayPal or bank account.

If you are in one of the CASHY stores you can pay out up to € 9,999 in cash. However, you always have the option of having your money paid out to your PayPal or bank account. Your money will usually be in your account the next working day after receiving your item. However, depending on the bank, it can take up to 2 working days for you to receive your transfer.

We always offer you the highest possible payout amount for your pawn loan. If you need a smaller amount, you can of course reduce the payout amount.

Yes, CASHY guarantees the safe storage of your electronics in our video-monitored and insured warehouse. Your devices will never be used while they are stored with us and will be returned to you in perfect condition.

A car pawn loan is a so-called short-term loan in kind. You use a vehicle or several vehicles as a pledge for cash or the transfer of a sum of money to your account.
Example: You make an appointment with CASHY and use a car as collateral for a sum of money for a period of 30-90 days. At the end of the agreed period, you can extend the pawn loan for your vehicle for a fee or redeem it.

You can pawn many different vehicles with CASHY:

• Cars

• Motorcycles

• Mopeds

• Trucks

• Buses

• Boats

• Agricultural equipment

• Motorhomes and caravans

• Movable machines

To find out the value of your car, you can enter your vehicle details for cars directly into the car pawn calculator. We need an instant online quote:

• Brand

• Model

• First registration

• Body shape

• Motor power

• Drive

• Gearbox

• Mileage

For other vehicles, you can send an individual request. In this case, we will also take into account the points listed above.

The costs for a car pawn loan or motorcycle pawn loan with CASHY are made up of the issuance fee, the interest, the handling fee and, if applicable, the custody fee.

In the following example, we show you how high the fees for a 30-day car pawn loan are and how they are made up:

• Loan amount: € 3.000,-

• Issuance fee: € 25.00

• Interest per month: € 90.00

• Manipulation fee per month: € 120.00

• Custody fee: € 0,00

• Total fees per month: € 235.00

You pay a total of € 613.00 after 3 months.

In another example, we show you how high the fees for a pawn loan for a car without further use with a term of 30 days are and how they are made up:

• Loan amount: € 3.000,-

• Issuance fee: € 25,-

• Interest: € 90,-

• Manipulation fee: € 37.50

• Custody fee: € 75,-

• Total fees: € 227.50

You can find all further information about interest and fees at CASHY in our clear fee schedule.

You will need the following documents if you want to pawn your car with CASHY

• Type certificate

• Registration certificate (Part I + II)

• §57a expert opinion (Pickerl)

• Duplicate key

• Purchase contract

• Confirmation of registration

• Official photo ID

Yes, we can only grant pawn loans for vehicles that are in good working order. The current condition of your car will be checked during the inspection.

Yes, up to a car loan of €10,000, CASHY in Austria allows you to continue using your car during the term of the loan. The maximum term in this case is 30 days. You can also extend your car loan at any time.

If you need more money, you can also park your car with CASHY. When you park your car, you can borrow up to €200,000 from us and pay less in fees.

Before we pay out your pawn loan, we check the following points:

• Bodywork and paintwork: Visible damage, scratches and rust

• Engine & gearbox: Technical condition and functionality

• Interior: condition of the seats and interior

• Tires and brakes: wear and condition

• Electronics: Functionality of on-board electronics and systems.

If you need money urgently, you can usually pawn your car on the same day during our opening hours.

1. Offer: Enter your vehicle data in the calculator and get your quote online right away.

2. Assessment: An employee reports to one of the CASHY stores with you.

3. Conclusion of contractIf you agree with our offer and the check was successful, you can conclude your pawn loan.

4. Payout: You can have your money paid out directly in cash or as a transfer to your PayPal or bank account. A cash payout is possible up to a maximum of € 9,999. For higher amounts, the difference will be transferred.

Please note that the continued use of your vehicle is possible up to a maximum car loan of € 10,000. For higher payout amounts, you must park your car with CASHY.

If you park your car with CASHY, it will be safely stored and insured for the duration of the parking period.

The payment amount we offer is always the maximum amount. However, you can take out a lower amount for your car loan at any time.

Unfortunately, this is not possible with CASHY. During the temporary continued use of your vehicle, you may only use it for personal use. National borders may not be crossed during the period of use. You can find out more about this in our terms and conditions.

Do you realize before the end of your term that you won't be able to repay your car loan? It's best to get in touch with us as soon as possible. We offer you the option of selling your car in an emergency for a 10% commission. In this case, you only pay the interest and fees until the sale.

You have until the end of the 4-week grace period to repay or extend the pawn loan. If you have used your car by then, it must be returned to us at the end of the regular term. However, you also have the option of reducing your pawn loan.

If you realize that you cannot repay your pawn loan, it is best to contact our team as soon as possible. Together we will find an alternative solution for you.

You can pawn a variety of different pieces of jewelry at CASHY:

• Gold rings

• Gold chains and gold pendants.

• Gold bracelets

• Gold earrings

• Gold watches

This is how we determine the precious metal content:

• Stamp of fineness: We check the stamp on your piece of jewelry

• Acid test: We carry out an acid test to determine the gold content of your piece of jewelry.

• Magnetic balance: The attraction or repulsion confirms or refutes the authenticity of the gold.

Important: For single items with a payout amount of € 2,000 or more, or for multiple items with a payout amount of € 5,000 or more, an additional external check is carried out, which may take longer.

The condition plays a secondary role at CASHY. The amount paid out depends primarily on the weight and number of carats of your piece of jewelry.

Gemstones can reduce the possible payout amount, as they are deducted from the gold weight of your piece of jewelry. As gemstones cannot be verified by us on site, the possible value has no influence on the deposit credit amount offered.

The following steps are important when shipping your jewelry:

• Secure packaging: Use a sturdy box.

• Insurance: Contact us for additional insurance for higher-priced gold jewelry.

Yes, this is possible with CASHY. If it is genuine gold jewelry, any damage is irrelevant to the amount paid out. However, if it is a gold watch, the condition plays a decisive role in the amount of your pawn loan.

Your jewelry will be stored securely at CASHY for the duration of your pawn loan:

• Secure safes: We store your gold jewelry in highly secure safes that protect against theft and damage.

• Surveillance: Our warehouse is under video surveillance around the clock.

• Insurance: Your jewelry is insured for 1.5 times its value while it is stored with us.

You can pawn luxury watches from the following brands at CASHY:

• Rolex

• Breitling

• Patek Philipp

• Piaget

• Audemars Piquet

• Panerai

• Cartier

• A. Lange & Söhne

• Union Glassworks

• Zenith

• Omega

• IWC

• Jaeger LeCoultre

• Glassworks

• Breguet

At CASHY, you can not only pawn luxury watches from the brands listed, but also your smartwatch.

Yes, this is possible with CASHY. In a commission sale with advance payment, you hand over your watch to us to sell on your behalf. We will pay out a portion (50%) of the expected sales proceeds to you immediately. The remaining payment, minus our fees, will be made after a successful sale. Advance payment means that you receive your money before the actual sale of your luxury watch.

This is how it works:

1. You send us all the details about your luxury watch or bring it directly to one of our CASHY branches.

2. We evaluate your watch and estimate how much it can fetch on the market.

3. We will make you an offer for the estimated value of your watch, tell you the amount of the commission fee (17%) and the possible advance payment (50% of the estimated selling price).

4. If you accept the offer, you will usually get your money paid out within one working day (depending on the bank).

5. As soon as we have sold your luxury watch for you, you will be paid out the remaining sales proceeds minus our commission fee.

Example:

You bring us a Rolex that you would like to sell on commission with an advance payment.

• We estimate the value of your watch at € 20,000.

• You will receive an advance of € 10,000 from us.

• The watch is actually being sold for € 20,000.

• You will receive € 6,600 less 17% commission (€ 3,400) from us after the sale.

• If we achieve a higher price and are able to sell the watch for € 25,000, for example, you will receive a residual payment of € 10,750. You therefore always have the option of getting more for your watch than originally assumed, despite paying commission.

Advantages:

• You are immediately liquid as you receive part of the money straight away. You don't have to wait until a buyer has been found.

• We have experience in selling watches and may therefore be able to achieve a higher price.

• You don't have to take care of the sale yourself.

If you need money urgently, a commission sale with advance payment is a good option for you. You can still get a fair price for your luxury watch because you don't have to sell it immediately. This allows you to combine the possibility of quick financing with a serious and professional sale.

Various factors are assessed when evaluating your luxury watch:

• Brand and model: Manufacturer and specific model of the watch

• Condition: Exterior and interior condition of the watch, including scratches, wear and functionality.

• Materials: Materials used

• Age and rarity: Year of production and rarity of the model

• Original parts and documentation: Original parts, box and papers.

If you want to pawn your watch with CASHY, you will need an official photo ID and proof of purchase confirming that the watch belongs to you. Certificates, original boxes and papers are taken into account when calculating the payout amount.

No, unfortunately this is not possible with CASHY. Your watch will be kept safe for the duration of your contract.

You can rest assured that your watch will be safely stored at CASHY for the duration of your pawn loan:

• Secure safes: Luxury watches are stored in our theft- and fire-proof safes.

• Surveillance: Our warehouse is under video surveillance around the clock.

• Insurance: Your watch is insured for 1.5 times its current value during the term.

Unfortunately, this is not possible with CASHY. We only grant pawn loans for watches that are in working order. A commission sale with advance payment is also only possible for functioning luxury watches.

The custody fee for storing your watch is € 2.00 per month.

Yes, this is possible with CASHY. If you would like to sell your watch on commission with an advance, we will pay out up to 50% of the expected sales proceeds. You will receive the remaining amount less our commission immediately after the sale.

If you do not want to extend, reduce or repay your pawn loan, you can simply keep the money. Your watch will be auctioned after a grace period and the surplus will be paid out to you minus our fees, if applicable.

We accept a wide selection of designer bags. You can pawn bags from the following manufacturers at CASHY:

• Balenciaga

• Bottega Veneta

• Burberry

• Celine

• Chanel

• Chloe

• Dior

• Fendi

• Goyard

• Gucci

• Louis Vuitton

• Prada

• Saint Laurent

Before we pawn your designer bag, we use state-of-the-art technology to check the authenticity of your model. If this can be confirmed, we take the following points into account for the possible payout amount:

• Brand and model

• Condition

• Materials

• Age and rarity

• Original parts and documentation

The condition of your bag plays a major role in the possible payout amount. The inspection of the bag includes the following points:

• External appearance: We check whether there are scratches, stains or signs of wear on the material.

• Interior: The condition of the interior, lining and inside pockets is also assessed.

• Hardware: Zippers, buckles and other metal parts are checked for functionality.

• Seams and workmanship: The general workmanship and condition of the seams also play a role in the evaluation.

• Model:Limited editions and special models can achieve a higher value due to their exclusivity.

In order to be able to pawn your designer bag, we need an official photo ID from you.

Original packaging and an accompanying dust bag can increase the possible payout amount of your designer bag.

Unfortunately, this is not possible with CASHY. You use your designer bag as collateral for your pawn loan. It will be stored safely and carefully in our video-monitored warehouse. It is also insured for 1.5 times its current value.

At CASHY, the costs for the pawn loan for your designer bag are made up of the issuance fee, the interest, the custody fee and the authenticity check.

In the following example, we show you how high the fees for a 30-day pawn loan are and how they are made up:

Loan amount: € 1.200,-
Issuance fee: € 20,-
Custody fee: € 4,-
Interest: € 42,-
Authentication: € 18,-
Total fees: € 84,-

If the bag turns out to be counterfeit or if you only need a certificate of authenticity from us, you will be charged € 30,- for the authenticity check.

If you visit one of our CASHY stores directly, you can leave your bag with us and will be offered a possible payout amount just a little later.

If you agree, your designer bag will be checked for authenticity. After a successful check, your money will be paid out to you in cash the next working day in the store. If you prefer a bank transfer, you will usually receive your money in your account 2 working days after we have made you an offer.

Please note: If you send us your bag, we can only check it once we have received it. It will therefore take 1-2 working days longer to pay out your pawn loan than if you hand it over in the store.

With designer bags, you can choose whether you want to take out your pawn loan for 30, 60 or 90 days. The issuance fee is only due once for longer terms.

Once you have repaid your pawn loan including fees to us, you will get your bag back. You can also extend your pawn loan at any time or pay it back in parts.

Yes, that is possible. We offer you the greatest flexibility thanks to our daily billing. You can of course retrieve your bag before the end of the term and only pay the interest and fees up to the respective due date.

You can pawn a variety of e-bike brands at CASHY:
- Bulls
- Cannondale
- Cube
- Focus
- Giant
- Haibike
- Husqvarna
- KTM
- Specialized
- Trek

Simply select your desired brand via the e-bike categories and get your offer right away.

We take various factors into account when evaluating your e-bike:

• Brand and model: popularity, special editions, market demand

• Condition: Visible damage, scratches and signs of wear, condition of tires and brakes

• Motor & battery: functionality and condition of the motor and battery

• Mileage: General wear and tear & kilometers driven

• Equipment: Accessories, maintenance certificates

No, unfortunately this is not possible with CASHY. The corresponding accessories are a prerequisite for the granting of a pawn loan.

You need the following documents for a pawn loan with CASHY:

• Proof of purchase

• Service booklet and maintenance certificates (if available)

• Official photo ID

Unfortunately, this is not possible with CASHY. Your e-bike will be kept insured in the video-monitored warehouse for the entire term. You can pick up your e-bike earlier at any time in the event of early repayment.

Yes, this is a matter of course at CASHY. We store your e-bike in our insured and video-monitored warehouse.

You cannot send your e-bike to us due to its size and weight. It can only be returned to one of the CASHY stores. Your bike will be checked directly by our employees. If we can make you an offer and you agree, you can have your pawn loan paid out directly.

If you are unable to repay your pawn loan, you also have the option of extending it or repaying it in parts. If you want to keep the money, your e-bike will be auctioned off after a grace period. If the proceeds of the sale less fees exceed your deposit, you will then be paid out the surplus.

You can use the following insurances as collateral for a pawn loan with CASHY in Austria:

• Endowment insurance

• Death and endowment insurance

• Unit-linked life insurance

• Index-linked life insurance

• Future pension plan with subsidized premiums

If you pawn your insurance, you have the following advantages over selling it:

• You retain your insurance cover in full.

• You can avoid possible losses by terminating the insurance prematurely.

• You receive immediate liquidity and still don't have to give up your long-term provision.

The mortgage lending value of your life insurance is based on various factors such as

• Surrender value

• Remaining term

• Premium payment

• Death benefit

• Interest credits and profit shares

To be able to pawn your life insurance with CASHY, we need the following documents from you:

• Life insurance policy

• Current proof of repurchase value

• Official photo ID

• Bank details

Yes, your policy remains valid and active. The advantage of your pawn loan is that you don't have to cancel the insurance. You keep the insurance cover and the benefits of your life insurance. It is important to note that you must continue to make premium payments during the term of your pawn loan.

We usually don't need more than a few days to be able to pawn your life insurance. We summarize the process for you below:

1. Application: Send us a request using our form. Upload photos of your insurance policy to speed up the process.

2. Review and evaluation: Your insurance policy will be reviewed and evaluated by us.

3. Offer: You will receive an offer from us and can decide whether you want to accept it.

4. Payout: After completing your pawn loan, you can have your money paid out in cash or as a transfer to your PayPal or bank account.

The fees for your insurance are made up of various components:

Loan amount: € 1.200,-
Issuance fee: € 20,-
Custody fee: € 2,-
Interest: € 42,-
Total fees: € 64,-

If you are unable to repay your pawn loan after it expires, you have the following options:

• Renewal: Renew your pawn loan conveniently online via your "My account" area.

• Partial repayment: Reduce your pawn loan online in your "My account" area.

• Keep the money: If you want to keep the money, your policy will be used to pay off your loan. Any surplus will be paid out to you and you will then be debt-free.

Once you have paid off your pawn loan, the loan agreement expires. You then have unrestricted access to your insurance policy again.

You can pawn the following collateral with CASHY:

• Vehicles

• Cell phones

• Tablets

• MacBooks

• iMacs

• Designer bags

• Luxury watches

• Laptops

• Games console

• Cameras

• Smartwatches

• Tool

• Life insurance

• Gold jewelry

• Coins & bars

• E-bikes

You can check your payout amount online for over 65,000 collaterals and cars. Simply enter the data in the relevant category and receive your offer immediately.

For items such as designer bags, luxury watches, MacBooks and much more, you will receive your offer within one working day of your request. The more information you give us in the form, the faster we can send you your offer.

To pawn your collateral, in many cases you only need an ID to confirm your identity. If further documents are required, you will find the information in the respective FAQ categories.

Unfortunately, this is not possible with CASHY. Your item will be stored in our insured and video-monitored warehouse for the duration of your pawn loan.

Note: With a car loan in Austria, it is possible to continue using your car under certain conditions. You can find out more about this here in the FAQs in the Cars section.

You can find all information on interest and fees for each item in our clear fee schedule.

Your personal data will never be passed on unless you give us your express consent to do so.

We use state-of-the-art security technologies such as encrypted data transmissions (SSL/TLS) and secure servers to protect your data. Regular security checks are carried out. Your data is treated confidentially and used exclusively for the lending process.

We collect various types of personal data, including:

• Name, address, date of birth, ID number: Thisis how we ensure that you are the legal owner of the item to be pawned.

• E-mail address, telephone number: We need this data for communication regarding your account, loans and repayments.

• Bank details, payment information: We need this information for a bank transfer to your bank account.

• Information about your collateral: This allows us to determine what collateral you have deposited for your pawn loan.

Only authorized CASHY employees have access to your personal data. They need this data to fulfill their tasks. Your data will not be passed on to third parties - unless this is necessary for the execution of the lending process or required by law.

Your personal data will only be passed on to third parties if it is necessary for the successful credit process. This applies, for example, to information for banks for the processing of transfers.

You can download the relevant form from our withdrawal page. There you will also find further information about your right of withdrawal.

You can find CASHY's terms and conditions in our rules of procedure.