Loans against your diamond ring, a diamond necklace, or gold bracelet can be done discreetly. Securing short-term loans against your jewellery, provides borrowers with alternative solutions to raising capital tied up in their valuables.
With no credit checks and monthly repayments, our collateral loans can provide a temporary, short-term bridge for you.
Your dedicated account manager will be on hand to provide answers to any questions that you may have and will take the time to understand your requirements and provide the best solution tailored to you. So why not call us today or send in a loan enquiry.
When valuing your jewellery great care is taken by our valuers in handling your precious piece. Our valuers will look at a number of factors when determining the current market value of your asset, which include:
The condition of your items, the cut, colour, clarity and carat weight of any diamonds, the weight of the metal and will also factor in if the item is from a high end brand such as Cartier, Tiffany, BVLGARI etc.
Whist your jewellery is in our possession, it is held in a high-security vault. During this time your item is fully insured to its current market value.
When taking a loan against jewellery, we have a number of solutions to get your jewellery and diamonds to us.
1) Royal Mail Special Delivery. Our next-day delivery pack is free and fully insured for you to send your items directly to us.
2) Collection: Subject to the value of the items, we can send a private courier fully insured, to collect and deliver your items directly to us.
3) Arrange to come-in: Simply contact us to arrange a time and day to come in and meet us, and hand-over your items in person.
4) For high-valued loans, we can arrange for one of our experts to come along to where the item is being stored and have it appraised on-site. Your dedicated account manager will be able to discuss the best solution with you.
The interest rate we apply reflects the loan amount and the asset you have pledged as security. Our rates start from as little as 1.5% per month.
APR and Terms of Loan;
Minimum repayment period of one month.
Our minimum rate of APR is 18.8%. Our maximum rate of APR is 93.54%.
Representative APR: 39.24%
Representative Example: Total credit: £10,000. Loan term of 6 months. Annual Interest rate: 36% (fixed). Interest for 6 months: £1,800. Amount repayable in one installment: £11,800.00 (39.24%APR)
Risk Warning: If the loan is not repaid, the assets may be sold. Your asset covers the whole debt and you will receive any surplus after sale if the loan is not repaid. You will not be liable in the case of any shortfall between the amount that you have borrowed and what the assets are sold for at disposal.