Fast Approval Checklist
- Step 1: Bring your gold jewelry, certified diamonds, or luxury timepiece to our Lekki Phase 1 hub or request private concierge evaluation.
- Step 2: Certified gemologists and horologists perform non-invasive purity and authenticity testing in your presence.
- Step 3: Receive an immediate cash offer up to 75% to 80% of current international market spot value.
- Step 4: Funds are wired to your account in under 30 minutes while your item is sealed in high-security bank-grade vault storage.
Turning High-Value Personal Assets into Instant Liquidity
Selling family gold, heirloom jewelry, or an investment Rolex in a moment of urgent cash demand often means settling for steep discounts from street jewelers. A secured asset pawn loan allows you to unlock high-volume cash immediately without forfeiting ownership. Once you repay the agreed principal and storage interest, your item is returned in the exact mint condition it was received.
What Items Qualify for Asset-Backed Loans in Lagos?
Our asset collateral desk evaluates a range of certified luxury items:
- Solid Gold Jewelry: 18k, 21k, 22k, and 24k yellow, white, and rose gold assessed based on net weight and daily global bullion spot prices.
- Swiss Luxury Watches: Rolex, Patek Philippe, Audemars Piguet, Cartier, Hublot, and Omega (original box and papers significantly increase valuation).
- Certified Diamonds: Solitaire and investment stones accompanied by GIA, IGI, or HRD certificates.
- High-End Designer Bags: Hermès (Birkin, Kelly) and Chanel classic flap bags in pristine condition.
Bank-Grade Security & Safekeeping Protocol
Leaving personal valuables with a financing partner requires complete confidence. At Kredio:
- Every item is photographed in high resolution, weighed to 0.01g precision, and sealed in an individual tamper-evident security pouch signed across the seam by both parties.
- All collateral is stored in armed-guard secured, fireproof vault facilities in Lagos.
- Complete comprehensive transit and vault storage insurance protects your asset throughout the tenure.
Helpful Loan Resources & Links
- Check Car for Cash Collateral Facilities
- Consult with Kredio Asset Loan Officers
- World Gold Council Market Pricing (Gold.org)
- London Bullion Market Association Spot Rates (LBMA)
Frequently Asked Questions
Will my jewelry or watch be damaged during appraisal?
Never. We utilize non-destructive X-ray fluorescence (XRF) spectrometry for gold testing and microscopic examination for luxury timepieces. No harsh acids or scratches are applied.
How much cash can I unlock against gold in Nigeria?
Borrowers typically access 70% to 80% of the live international scrap gold valuation, allowing fast funding from ₦500,000 to over ₦50,000,000 depending on weight and karat.
What happens if I need extra time to repay?
Unlike pawnshops that quickly forfeit property, Kredio offers rollover extensions upon settlement of accrued monthly storage and interest charges.
