Getting started is simple. Just tell us about your jewellery. If you have an independent valuation, that’s great – send it to us. We’ll provide an initial loan estimate right away.
Next, bring your jewellery to any of our branches for a professional appraisal. Our experts will assess the precious metal content and any gemstones, along with your valuation, to establish its value. This determines the loan amount we can offer.
Like what you hear? We can finalise the agreement and transfer funds directly to your account while you’re still with us. No waiting or complex paperwork is required.
The process is fast, straightforward and confidential.
Your jewellery stays secure. We store your pieces in a high-security facility during the loan period. Once you’ve repaid the loan and monthly interest (charged in accordance with National Credit Act guidelines), your jewellery is returned to you in exactly the same condition.
COMMON QUESTIONS ABOUT OUR LOANS AGAINST LUXURY WATCHES
Your item of jewellery will be valued by an expert appraiser to determine market value. This is the price it can be sold for, not what you paid for it.
The appraiser considers the intrinsic value of its raw materials – the type and purity of metal (gold, silver, platinum) and the cut, weight, and clarity of any gemstones, such as diamonds, rubies and sapphires.
The item’s condition, brand and design will impact its valuation. High-end brands, such as Tiffany and Cartier, have a higher resale value beyond the piece’s intrinsic worth. The original box and papers also add to the value of a fine piece of jewellery.
Pawning is always the best option when you want quick, easy access to funds, and you know you can repay the loan and interest within the agreed period. You can pawn an item of jewellery many times over to unlock its value.
Selling your jewellery is better if you want to part with it permanently and get the most money for your asset.
At Lamna, we offer loans ranging from thousands up to millions of rands.
The loan amount we offer for an item of jewellery is based exclusively on the market value of the piece you supply. Find out more here.
Sadly, not all loan providers are reputable. It’s important to do some checking before you proceed with a loan against an item of jewellery. See our article on how to choose an online lender in South Africa.
At Lamna, we take pride in the trust we’ve built with our clients. Our company has been operating in South Africa for many years and has physical branches in Cape Town, Gqeberha, Sandton and Durban – as well as in Botswana and London, England.
We are a registered credit provider (registration number NCRCP7428). Find out what that means or look us up in the NCR database by doing a search here.
Yes. Your precious item of jewellery will be stored in a completely secure location with strict access control.
Once you have repaid the loan amount and agreed interest (which is charged in line with the National Credit Act), your jewellery will be returned to you.
USE YOUR JEWELLERY TO RAISE CAPITAL
Getting started is simple. Just tell us about your jewellery. If you have an independent valuation, that’s great – send it to us. We’ll provide an initial loan estimate right away.
Next, bring your jewellery to any of our branches for a professional appraisal. Our experts will assess the precious metal content and any gemstones, along with your valuation, to establish its value. This determines the loan amount we can offer.
Like what you hear? We can finalise the agreement and transfer funds directly to your account while you’re still with us. No waiting or complex paperwork is required.
The process is fast, straightforward and confidential.
Your jewellery stays secure. We store your pieces in a high-security facility during the loan period. Once you’ve repaid the loan and monthly interest (charged in accordance with National Credit Act guidelines), your jewellery is returned to you in exactly the same condition.
Documents required for loans on jewellery:
- proof of ownership of the jewellery (preferably an invoice)
- your ID
- proof of address