086 111 2866

Loans Against Jewellery

If you have valuable jewellery, from rings and necklaces to bracelets or other custom pieces, you can use it as security to obtain a loan – easily, quickly and discreetly.

It’s best if you can provide us with an independent valuation of the jewellery. Simply give us a call, forward us the valuation and we’ll make an initial offer on the phone.

If you choose to accept the offer, we’ll inspect the jewellery once you come into one of our country-wide offices. Along with the valuation you provide, the weight of the precious metal and the quality and quantity of any precious stones will determine how our experts value the jewellery – and therefore the value of the short-term loan against your jewellery we can offer. If all is in order and you choose to proceed, we can finalise the agreement. Whilst still at our office, an EFT will be made into your account which will be available for your immediate use.

There’s no complex paperwork, no credit committee and no need for proof of income. The process is fast, straightforward and extremely discreet. We ensure that all your valuable jewellery is stored in a secure location for the duration of the loan. Once you’ve paid back the agreed loan and monthly interest (which is charged in line with National Credit Act guidelines), the jewellery will be returned to you, safe and sound in the same condition you entrusted to us.

Documents required for loans on jewellery:

  • proof of ownership of the jewellery (preferably an invoice)
  • your ID
  • proof of address

Raise Capital From Your Diamond and Gold Jewellery

Diamond Ring


Loan Offer
R95 K

Diamond Bracelet


Loan Offer
R70 K

Diamond Pendant


Loan Offer
R225 K

Speak to a consultant

086 111 2866

or Apply online

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Speak to a consultant

086 111 2866

or Apply online

Find out more
Watch our video to learn more about how Lamna creates liquidity.

Find out more about pawning jewellery or borrow money against jewellery
Have Questions?
Know more and read our FAQ or contact us if you have any queries.
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refer a friend and if they pawn a diamond ring, gold wedding ring or other jewellery we will pay you cash
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APR & Loan repayment period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months. Apart from the initiation and monthly fees shown below, the only additional fee is credit life insurance if the borrower does not have this already.

Renewals

All accounts may be renewed if they are up to date.

Collection

All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.

Non-payment

Non-payments may result in the matters being escalated.

Illustrative example

Client borrows R10,000 for 90 days.

Loan Amount Repayment Period Monthly Repayment Total Cost of Loan Initiation Fee Monthly Fee
(Interest + Service charge)
APR
R10 000 3 months R568.40 R12 902.20 R1 197 R560 60%