Ralph Jacobs Jewellery Finance allows you to purchase the jewelry you love and pay for it over time.
Don't have the funds to pay for it upfront?
With Ralph Jacobs in-house financing, you can spread out your payments over 12, 24, or 36 months, depending on your preference.
To use our financing option, you must be purchasing from our store, and the minimum amount you can finance is R6,000, while the maximum is R30,000. This means you can finance any purchase within that range and pay it off over time.
Our financing option has a fixed interest rate of 21%, which means you'll pay the same amount of interest throughout the repayment period.
Calculate your Monthly Instalment Amount
When applying for Jewellery Finance with Ralph Jacobs, you must fall within our requirements.
Credit approval is subject to a financial and affordability assessment.
Ralph Jacobs is a Licenced Credit Provider Reg No. NCRCP14398
The primary document for us to confirm your identity is your green bar-coded national identity document or identity card (smart card)
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.
Any one of the following valid documents reflecting your name and physical residential address will be sufficient as proof of residence:
We understand that applying for credit can be a big decision, and we want to make sure it's the right one for you. If you have any questions or concerns about our financing option or the requirements, please don't hesitate to ask. We're here to help you make an informed decision that fits your needs.
View all FAQsA: 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.
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