Loans Against Bullion and Krugerrands
Is Knox registered to provide asset-backed credit?
The short answer
Credit providers that lend under the National Credit Act must be registered with the National Credit Regulator. Knox Precious Metals (Pty) Ltd is a registered credit provider, NCR registration number NCRCP21466. You can check a credit provider's registration on the regulator's website using the registered entity name or registration number. Make sure the entity named on your quotation and credit agreement matches the registration, because trading names and legal entity names can differ.
What NCR registration means
The National Credit Regulator registers credit providers, credit bureaus and debt counsellors, and monitors compliance with the National Credit Act. A registered credit provider is subject to the Act's rules on disclosure, credit assessment, permitted interest and fees, statements, early settlement, default and complaints. Registration does not mean the regulator has approved a particular loan or its terms.How to check a registration
- Find the registration number and registered entity name on the provider's documents, such as the quotation or credit agreement.
- Search the register on the National Credit Regulator's website.
- Confirm that the entity name and status match, and that the entity on your credit agreement is the same registered entity.
Knox's registration details
A credit provider's registration number normally appears on its quotation and credit agreement. Knox Precious Metals (Pty) Ltd is a registered credit provider, NCR registration number NCRCP21466. The name of the registered entity and its status can be checked against the register. The registered entity is Knox Precious Metals (Pty) Ltd (registration number 2024/439097/07), NCR registration number NCRCP21466.Your rights as a borrower
When you borrow under the Act, you are entitled to a pre-agreement statement and quotation, a written credit agreement disclosing the interest, fees and charges, statements as the Act provides, the right to settle early and treatment under the Act's rules on default. Personal information collected for credit purposes must be handled in line with the Protection of Personal Information Act. Privacy questions and requests can be sent to Knox's Information Officer at compliance@knox.co.za or on 011 646 1919.If something goes wrong
Raise any concern with the credit provider first. Complaints can be sent in writing to compliance@knox.co.za or raised by calling 011 646 1919, and Knox asks that you contact it first so it can try to resolve the matter. If it is not resolved, you may be able to approach an ombud or lodge a complaint with the National Credit Regulator. For credit agreements you may contact the National Credit Regulator (0860 627 627 / 011 554 2700, info@ncr.org.za, www.ncr.org.za) or the National Consumer Tribunal (012 683 8140 / 012 742 9900, www.thenct.org.za). Concerns about personal information can be raised with the Information Regulator (010 023 5200, enquiries@inforegulator.org.za).How Knox handles this
Knox can confirm its credit provider registration details on request. Before any loan, Knox first assesses whether the asset qualifies, then completes the identity, credit and affordability checks required by law and provides the proposed loan amount, fees, interest, term and repayment conditions in a pre-agreement quotation before you decide whether to proceed. Knox can also explain how to raise a complaint and which external routes may be available.
Ready for the next step?
Speak to the Knox team about your situation. They will confirm current pricing, availability and requirements before you decide.
