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Diamondrings.co.za
Diamfin, 2 Norwich Close, Sandton, Johannesburg
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| | Applying for Finance
Back | | Your full order amount can be financed and paid by monthly instalments. Finance is arranged through affiliate company (TBA) as Diamfin Group is not a registered credit provider. Entire approval process of your application will be handled by (TBA) who are contracted to the four leading banks in South Africa. (TBA) will negotiate on your behalf for the best terms and rates, and either approve or decline your application. Once approved and all term agreed Diamfin account will be credited with the full purchase amount. Crafting process of your design will then commence and you will be required to settle with the relevant financial institution as per your credit agreement.
What are the Finance Options?
- Finance can be applied for purchase amounts up to R75 000
- Flexible repayment periods from 12 to 48 months. Loan repayment periods can be negotiated in order to suit what is affordable for you.
- Repayments are done via monthly debit order and your instalment amount will remain fixed over the loan period, even if interest rates go up.
- You should receive the pre-approval answer in less than 2 hours
- Your loan is offered with insurance which covers the original loan amount in the event of death, retrenchment, dread disease as well as temporary/permanent disability.
- You can apply from anywhere in South Africa
What is the Cost?
The cost of a personal loan is calculated based on a combination of your risk profile and an affordability assessment. Typically the interest rates range from 9% and 32% and repayment periods from 12 to 48 moths. Small admin and insurance fees are also added.
How to Qualify?
- You must be a South African citizen
- You must be between the ages of 18 and 65 years old
- You must be permanently employed
- You need a minimum salary of R1500p/m deposited to you account
How to Apply?
You will need to place your online order first by selecting your design and then following the checkout process to the end. During the checkout, in the ‘Payment Options’ page select ‘Apply for Finance’ option, then complete and send the online application form.
In addition, following documentation must be send to (TBA) by fax or by email. You can expect their reply in less than 2 hours.
- Valid South African green bar coded ID.
- Latest payslip/s depending on whether you are monthly, fortnightly or weekly paid.
- Latest 1 month bank statement (with bank stamp) where your salary is deposited
- For self-employed individuals, at least 6 months proof of income is required.
- Proof of residence
NB. Diamfin Group is not a credit provider. Diamfin Group offers finance and insurance via affiliated registered credit providers who administer all applications and handle the entire approval process. Diamfin Group is not authorised to approve or deny applications.
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