Assets: High-End Jewellery, Gold and Diamonds

LOANS AGAINST JEWELLERY

Use one or more valuable items of jewellery, from rings and necklaces to bracelets, to secure funds. By getting a loan against jewellery, you can unlock its value, straight away and without having to sell it.
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It’s best if you can provide us with an independent valuation of the jewellery. Simply contact us and forward us the valuation, and we’ll make an initial, illustrative offer.

To proceed, we’ll ask that you bring the jewellery into one of our countrywide offices for appraisal. 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 you choose to proceed, we can finalise the agreement and transfer the funds to your account via EFT, while you’re still in our offices.

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 your 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, in the same condition as when you entrusted it to us.

 

It’s best if you can provide us with an independent valuation of the jewellery. Simply contact us and forward us the valuation, and we’ll make an initial, illustrative offer.

To proceed, we’ll ask that you bring the jewellery into one of our countrywide offices for appraisal. 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 you choose to proceed, we can finalise the agreement and transfer the funds to your account via EFT, while you’re still in our offices.

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 your 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, in the same condition as when you entrusted it to us.

Documents required for loans on jewellery:

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

From our blog

2022 Luxury Asset Investment Trends
Globally, the luxury goods market is booming – giving these goods significant investment value. We look at 2022 reports on market performance and trends in the main luxury asset sectors.
Pawning Jewellery in Jo’burg: How to Get the Best Deal
What’s involved and how to get the best deal when pawning jewellery in Jo’burg – a fast, reliable way to secure funds.
Selling Gold Jewellery? How to Calculate Gold Scrap Value
What to know if you’re considering selling gold jewellery, including how to calculate its scrap value and some alternatives for securing funds.
How to Get the Best Price When Selling Gold and Diamond Jewellery in South Africa
How to ensure you get a good deal when selling gold and diamond jewellery in South Africa.
Gold in 2020: Is Investing Still a Good Idea?
Gold is usually considered a stable investment but is now a good time to buy?
Now Is Not the Time to Sell: Why Collateral Loans on Fine Jewellery and Diamonds Are a Better Option
Why collateral loans on fine jewellery and diamonds are a good way to access funds during the COVID-19 crisis.

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speak to a consultant on 086 111 2866

From our blog

2022 Luxury Asset Investment Trends
Globally, the luxury goods market is booming – giving these goods significant investment value. We look at 2022 reports on market performance and trends in the main luxury asset sectors.
Pawning Jewellery in Jo’burg: How to Get the Best Deal
What’s involved and how to get the best deal when pawning jewellery in Jo’burg – a fast, reliable way to secure funds.
Selling Gold Jewellery? How to Calculate Gold Scrap Value
What to know if you’re considering selling gold jewellery, including how to calculate its scrap value and some alternatives for securing funds.
How to Get the Best Price When Selling Gold and Diamond Jewellery in South Africa
How to ensure you get a good deal when selling gold and diamond jewellery in South Africa.
Gold in 2020: Is Investing Still a Good Idea?
Gold is usually considered a stable investment but is now a good time to buy?
Now Is Not the Time to Sell: Why Collateral Loans on Fine Jewellery and Diamonds Are a Better Option
Why collateral loans on fine jewellery and diamonds are a good way to access funds during the COVID-19 crisis.

ILLUSTRATIVE EXAMPLE

Client borrows R10,000 for 90 days.

Loan Amount
Repayment Period
Monthly Interest
Total Cost of Loan
Initiation Fee
Monthly Fee
APR
R10 000
3 months
R500.00
R2 914.50
R1 207.50
R569.00
60%

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

Non-Payment​

Non-payment may result in the matter being escalated.

Renewals

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

Collection

All payments are made via debit order on a monthly bases.

High-End Jewellery, Gold and Diamonds

High-End Jewellery, Gold and Diamonds

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High-End Jewellery, Gold and Diamonds

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High-End Jewellery, Gold and Diamonds

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