Gold & Diamond Jewellery Loans
Borrow against your gold and diamond jewellery instead of selling it. Get funds today and reclaim your pieces when your loan is settled.
Trusted by more than 83,000 clients since 1992
NCR-registered credit provider 1008
Need funds without selling your jewellery?
A collateral loan lets you use your jewellery, gold coins, Krugerrands or other valuables as security for a loan. Your items are held safely in a vault for the duration of the loan. When you settle it, you get them back.
It’s a discreet alternative to selling something you’d rather keep, and the value comes from a team of jewellery professionals who have been assessing precious items for over 34 years.
How it works
1. Bring your items to a branch
Visit us in Cape Town, Sandton or Durban. Our jewellery professionals will examine and assess your items while you wait.
2. Get your loan offer
We’ll tell you how much you can borrow, the interest and fees, and the loan term, before you commit to anything.
3. Sign your pledge agreement
If you accept, you’ll sign a Pledge Document setting out the loan amount, interest, fees, repayment terms and end date.
4. Your items go into secure storage
Your jewellery is sealed in a Gold & Finance security bag in front of you and given a unique ID number. It’s then stored in a secure off-site vault. No pledged items are kept at our branches.
5. Settle your loan and collect your items
Once your loan is settled, your items are released to you. Because they’re stored off-site, please give us 24 hours notice to retrieve them. Bring your ID and original Pledge Document.
What can I borrow against?
- Gold, platinum and silver jewellery
- Diamond jewellery and diamonds set in jewellery
- Designer, antique, traditional and handcrafted jewellery
- Gold coins, Krugerrands and Mandela gold medallions
- Luxury watches
- Other qualifying precious items
Every item is assessed on its value, type and condition before we make an offer.
How much can I borrow?
Your loan amount depends on the value, type and condition of your items.
There’s no fixed amount per item. We’ll explain exactly what’s available, and what it will cost, before you sign anything.
Want to know what your jewellery could raise? Bring it in for a no-obligation assessment.
Why Gold & Finance?
- Keep what matters. Borrow against your jewellery instead of selling it, and reclaim it when you’re ready.
- Clear terms, upfront. Your offer, interest, fees and end date are explained before you sign.
- Sealed and vaulted. Items are sealed in front of you, uniquely numbered and stored off-site.
- Discreet and professional. We know finances are personal. Every loan is handled confidentially.
- Experts since 1992. Our team values, buys and lends against fine jewellery every day.
Frequently asked questions
Regulated and compliant
Gold & Finance is a registered credit provider [NCRCP 1008] and provides collateral loans under the National Credit Act 34 of 2005, as amended. The Act recognises pawn transactions as a form of credit agreement. All loans are subject to assessment and our terms and conditions.
Need a Loan Against Your Jewellery?
If you have valuable jewellery or precious items and need access to funds, a collateral loan may provide an alternative to selling your valuables outright.
Visit your nearest Gold & Finance branch and speak to one of our experienced jewellery professionals about using your jewellery as security for a collateral loan.
Get in touch with Gold & Finance today to find out more about collateral loans against jewellery.
Client Experience
Experience true customer service in our professional, safe and secure environment.
Access Funds Without Selling Your Jewellery
Collateral Loans Against Gold & Diamond Jewellery
Use your valuable jewellery as security for a loan, with a professional and confidential service from Gold & Finance.
Trusted by more than 83,000 clients since 1992.
We have offices in Cape Town | Sandton | Durban
