Finance your Jewellery
with Ralph Jacobs

The primary document for us to confirm your identity is your green bar-coded national identity document or identity card (smart card)

• Green bar-coded National Identity Document
• Identity Card (Smart Card)
• Valid passport, which is also suitable for foreign nationals
• Valid driving licence
• Valid driving licence

At Ralph Jacobs, we require applicants to provide proof of income for the last 3 months when they apply for a credit or financing plan. This is an important requirement that helps us verify the information provided on the application form and assess the applicant's ability to repay the loan or financing.

To provide proof of income, we ask that applicants submit their payslips for the last 3 months. These payslips should be company-issued and show the applicant's salary or wages, as well as any deductions that may be made, such as taxes, medical aid contributions, or retirement fund contributions.

In addition to the payslips, we also require applicants to provide their bank statements for the last 3 months. This helps us verify the income that was declared on the payslips and ensure that the applicant has a stable and reliable source of income.

We understand that providing proof of income may seem like an inconvenience, but it is an important requirement that ensures that our financing portfolio remains strong and healthy. We appreciate your cooperation in providing the necessary documents and look forward to assisting you with your financing needs.

• Latest 3 months payslips
• Latest 3 months bank statement

Any one of the following valid documents reflecting your name and physical residential address will be sufficient as proof of residence:

• Utility bill, e.g. municipal water and lights account or property managing agent statement
• Bank statement
• Municipal councillor’s letter
• Tax certificate
• Recent active lease or rental agreement
• Municipal rates and taxes invoice not older than 3 months
• Account statement from a NCR (National Credit Regulator) registered service provider (NCR number must be visible/recorded on the document)
• Security service providers registered with PSIRA (Private Security Industry Regulatory Authority), e.g. Chubb, ADT (PSIRA number must be visible/ recorded on the document)
• Telephone or cellular telephone statement
• Official SARS document (not eFiling documentation)
• Valid television license renewal letter
• Television license renewal/confirmation letter
• Subscription TV, e.g. MultiChoice statement
• Home loan statement
• Long/short term insurance policy documents from a Financial Services Provider (FSB number must be visible/recorded on the document)
• Motor vehicle registration/license documents
• Body corporate/governing body letter or statement
• Official employer letter for employees residing on company/ institution premises
• Official university/technicon/college or tertiary institution registration letter

• A letter issued by the bank confirming your account details.
• A Bank Statement

A: We require applicants to undergo a credit check to determine their eligibility for jewellery finance. However, if you have bad credit, we may still be able to offer you financing options. Please speak to our team for more information.

A: We offer financing options for amounts ranging from R6,000 to R30,000, depending on your creditworthiness and the specific item you want to purchase.

A: Our jewellery finance has a fixed interest rate of 21%

A: Yes, you can pay off your jewellery finance early with no penalty fees.

A: The application process typically takes between 15-30 minutes, and you will receive a decision within 24-48 hours.

A: Once your application has been approved, you can receive your jewellery immediately or within a few days, depending on availability.

A: If you are unable to make your payments on time, please contact us immediately to discuss your options. Late payments may result in additional fees.

A: Yes, you can apply for Jewellery Finance on our online products.

A: Yes, you can finance multiple items at once, as long as the total amount falls within the financing range of R6,000 to R30,000.

A: We require proof of income and a copy of your ID document when applying for jewellery finance. Additional documents may be required depending on your specific circumstances.