Knowledge Centre
Loans Against Jewellery and Watches
Learn how secured lending against qualifying jewellery and watches works.
Questions in this topic
-
How does a loan against jewellery work?
A loan against jewellery is a secured loan in which your jewellery is held as security while you repay an agreed amount. The lender assesses the piece, completes the credit and…
-
Can I borrow against a luxury watch?
Some lenders accept luxury watches as security for a loan, but availability varies and not every watch qualifies. Knox accepts luxury high-end watches, from brands such as Rolex, Cartier…
-
Which jewellery and watch brands qualify for a loan assessment?
Eligibility for a loan assessment usually depends on the item itself rather than the brand name alone. For jewellery, lenders focus on the metal, purity, weight and condition, and…
-
How much can I borrow against my jewellery or watch?
The amount you can borrow depends on two things: what the lender assesses the item to be worth in the resale market, and the proportion of that value it is prepared to lend. The credit and…
-
Is the loan amount based on retail value, resale value or metal value?
A loan against jewellery or a watch is generally based on what the item would realistically fetch if sold, not on its retail price. For most gold, silver and platinum jewellery, that is…
-
Do I need a good credit score for an asset-backed loan?
An asset-backed loan is still credit, so offering security does not remove the checks the law requires. A lender will generally verify your identity and carry out the credit and…
-
What interest and fees apply to a jewellery or watch loan?
The interest, fees and charges on a jewellery or watch loan are set by the credit provider within the limits of the National Credit Act, and must be disclosed in a pre-agreement statement…
-
How long can I borrow against my jewellery or watch?
The length of a loan against jewellery or a watch is agreed upfront and recorded in the pre-agreement quotation and credit agreement. Loans of this kind are commonly arranged for…
-
Will I get my exact jewellery or watch back after repayment?
In a typical secured loan against jewellery or a watch, the specific item you pledge is held as security and released to you once the loan and all charges are settled. Because jewellery…
-
What happens if I cannot repay the loan?
If you cannot repay a secured loan, the steps that follow are set out in your credit agreement and in the National Credit Act. The agreement explains what notice you receive and when the…
Ready for the next step?
Speak to the Knox team about your situation. They will confirm current pricing, availability and requirements before you decide.
Ask a question
Did not find what you were looking for? Send your question to the Knox team. A specialist will reply using your preferred contact method.
Please do not include identity numbers, complete watch serial numbers, safe deposit box numbers or keys, passwords, PINs, crypto seed phrases, firearm licence documents, banking passwords or card numbers.
This Knowledge Centre gives general information, not financial, tax, legal or insurance advice. Prices, limits, terms and availability are confirmed by Knox before you proceed, and the agreement you sign takes precedence. Where a current figure has not yet been confirmed on this site, we ask you to contact Knox instead of relying on an estimate.
