What is pawnbroking?
It’s a way of getting cash instantly using your valuable goods such as your jewellery as a security for a period of 6 months without going through credit check or face any legal liabilities if the loan is not repaid. However, we have various ways to help you in getting your items back. Interest rate is only payable at the time your agreement is settled. Please click here for rates and interest.
What can I sell and pawn?
We buy and lend all kinds of jewellery from gold, silver and platinum regardless of condition.
Are my items safe?
The safety of your items is our number one priority; as such we will keep your items in our highly secured facilities until such time when they are redeemed.
How do you value my jewellery?
Our valuation will be based on the condition, purity and weight of your items. Our expert assessors are also trained in the assessment and valuation of diamond jewellery.
How do I get my items back?
You can redeem your items at any time by paying us your outstanding balance under the pawn agreement.
Do I have to wait for 6 months to get my items back?
No, you don’t have to. You can get your items back at any time you wish.
I am unable to redeem my item in 6 months, what can I do?
Don’t Panic! You can renew your contract for another 6 months. Simply pay us your outstanding interest and we will issue you a new contract valid for another 6 months. However, if for whatever reason you are unable to pay the interest, please speak to a member of our team for more information.
How do I renew my loan for another 6 months?
You must visit the given branch with your existing contract to renew your loan; we would like to see you in person, as a new contract will be issued requiring your signature.
I don’t want to lose my items, what are the other methods of me getting them back?
1. You can pay some money towards your main amount in order to reduce it. This way, your interest amount will decrease. However, for you to pay your main amount, you must also cover the interest due at the time of payment. Your percentage rate as well as your due date will remain unaffected.
2. You can make a partial payment to reduce your interest amount. However, this will not reduce your main amount..
Can I still get my items if I changed my mind?
Absolutely! You can get your items back within 14 days from the day the loan was handed to you without giving us any reason..
Do you have any other charges?
No! Our services are always transparent and we don’t have any hidden charges..
Can I make an early repayment?
Definitely! Paying us early will reduce the interest on your loan..
Do you have any repayment plans I can follow?
Yes! We would like to help you as much as possible. Therefore, we have set up a repayment plan to make it a little easier for you if you are experiencing difficulties. Please speak to a member of our staff and they will be more than happy to provide you with more information about our repayment plans..
Can I borrow again even if I haven’t paid my previous loan?
Yes of course! You can bring in as much jewellery as you like regardless of whether you have paid your previous loan or not.
Rest assured, Items will be settled on a separate contract each and every time.