Cofre Atlântico — Trust. In private.

How pawnbroking works with us

We explain the model in plain language. No price grids on this site. No guaranteed approval. The decision rests on your asset.

Request information

Clear monthly payment

In our model (Mode A):

  • The monthly payment covers interest only for the period.
  • Capital (the amount you received) is due at redemption.
  • There are no rates that rise over time.
  • There is no contrast with other payment «modes» on the site: this is the V1 model.

You pay interest while the agreement is active. At the end, at redemption, you settle the capital and recover the asset — if you are in compliance with the contract.

What we do not say here

TAN, TAEG, sample euros, LTV or appraisal rate in percent. Effective terms only in the formal proposal after appraisal — on the terms presented to you.

Horizons you can explore

For orientation, the experience may show terms of 3, 6, 12 or 24 months. This is interface guidance — not a price table, nor a binding offer.

  • 3 months — Short · one-off liquidity
  • 6 months — Medium · breathing room
  • 12 months — Annual · steady planning
  • 24 months — Longer · within UX envelope

No 36-month plan. No rising interest. No prices on this site.

Effective terms only in the formal proposal after appraisal — on the terms presented to you. Contracts on the terms presented to you before you sign.

From request to redemption

After your request: appraisal, proposal and, where applicable, contract — on the terms presented to you. The steps below describe the educational flow.

After your request: appraisal, proposal and contract — on the terms presented to you.

  1. 1

    Request

    You send photos, description and asset category. We screen and clarify. Active.

  2. 2

    Assessment

    You clarify title and details. We assess the object — not your credit score. Preliminary / informative.

  3. 3

    Proposal

    Formal proposal after appraisal, subject to physical inspection where applicable — on the terms presented.

  4. 4

    Contract

    You sign only if you choose to proceed. Contract + pre-contractual information — on the terms presented to you.

  5. 5

    Asset handover

    You follow shipping or counter instructions. Receipt, inspection, inventoried custody.

  6. 6

    Capital

    You receive the agreed capital, per contract.

  7. 7

    Monthly payment

    You pay the period interest. Mode A record.

  8. 8

    Redemption or default

    You redeem (capital) or the legal default regime applies — see notice below.

We do not consult the credit register to decide. We verify identity and asset title — when the service is active.

Accepted categories

V1 list (only):

  • GoldPrecious metals
  • JewelleryJewellery
  • WatchesValuable pieces
  • SilverPrecious metals
  • PlatinumPrecious metals
  • Metal barsInvestment
  • CoinsNumismatics
  • BullionBars and ingots

What we do not accept in V1

Electronics and appliances. Fashion and clothing accessories (clothing, bags, etc.). Musical instruments and generic «other goods» outside the list.

If you miss a payment

Missing monthly interest is serious — and we treat it with transparency.

  • There is no «automatic loss» of the object on the first day of delay.
  • In Portugal, under the applicable pawnbroker regime, sale of the pledge may only occur after more than three months’ default, with legal formalities (notices, auction publicity, etc.).
  • If there is a sale and value remains after capital, interest and prescribed legal costs, there are rules on the surplus in favour of the borrower.

Internal reference: Decree-Law No. 160/2015.

In short: delay ≠ immediate auction. There is legal time and formalities. The aim is that you comply and redeem the asset. If you need to clarify your case, request information — no pressure.

More questions

  • Are there hidden fees?
    The V1 model is monthly payment = interest; capital at redemption. Any additional cost will exist only if clear in a proposal/contract — never «under the table» on this informative site.
  • Why online?
    Convenience and discretion. A counter in Peniche may exist — the site allows requests and the start of the process where applicable.

Ready to request information?

No guaranteed approval. Proposal after appraisal — contracts on the terms presented.

Request information Request information