Collateral Loans

Collateral Loans Against Jewellery

In 2006 South Africa made it possible for the consumer to have access to collateral financing in a regulated fashion by the establishment of the National Credit Regulator (NCR).  We at Gold & Finance are proud to have been granted a Certificate of Membership allowing us to become a credit provider in respect of our collateral financing service.  Gold & Finance therefore offer collateral loans against your jewellery in accordance with the National Credit Act 34 of 2005, as Amended.

Everyone experiences cash flow problems at one time or another.  High profile personalities worldwide have openly publicised the occasional visit to their personal “financier”.

Gold & Finance provides a collateral loan facility against your gold jewellery, platinum jewellery, silver jewellery, gold and diamond jewellery, diamonds set in jewellery, designer jewellery, traditional jewellery, antique jewellery, hand crafted jewellery and coins set in jewellery. You can obtain a quick, hassle free collateral loan.

Gold & Finance is recommended by jewellery industry stakeholders.  Should you require further information on how to obtain a collateral loan against your jewellery, please contact one of our countrywide branches.

Your jewellery will be examined by one of our skilled appraisers after which you will be offered an amount as a loan against your jewellery.

You will be required to complete and sign a legal “Pledge Document”, which includes our Gold & Finance Terms and Conditions containing a breakdown of all fees and interest due in respect of your collateral loan.

Your jewellery will be placed in your own Gold & Finance security bag which will be sealed in your presence.  All security bags are allocated a unique identity seal number both for security purposes as well as to ensure that your jewellery is secure and tamper proof.  Your jewellery is then stored off site in vaults.  No jewellery is stored on our premises.

Once your collateral loan has been settled, a 24 hour notice period is required to enable us to retrieve your jewellery from the vault.  You will need to bring along your original Pledge Document when you call in at our offices to collect your jewellery.

Many of our clients have, over the last 27 years, used their same jewellery to obtain quick and easy loans when needed.

We do not blacklist clients.  In fact, if you are blacklisted but have jewellery, we can assist you with a collateral loan.