Asset Based Loans in South Africa
Unlock Capital From Your Valuables
Own a high-value asset? Use it as security to access a short-term cash loan of R50,000 to R20 million — without selling it. Cars, watches, jewellery, gold, Kruger rands, art, boats, and more. No credit check required. Funds often within 24 hours.
Loan Conditions at a Glance
No credit check required
Get paid within 24 hrs
Asset stays in secure storage
No early settlement penalties
You retain ownership throughout
A loan against assets is a secured short-term loan where you use a high-value movable asset you own outright — such as a vehicle, watch, jewellery, artwork, or boat — as collateral. The lender advances up to 70% of the asset’s appraised value, stores the asset securely for the loan term, and returns it once the loan is repaid. No credit history is required. In South Africa, loan amounts range from R50,000 to R20 million with terms of 3 to 6 months.
What is an Asset Based Loan?
A loan against assets — also known as an asset-backed loan or collateral loan — is a form of secured financing where a high-value item you own serves as security for a short-term loan. Unlike pawning your valuables for cash, you retain legal ownership of your asset throughout the loan term. The asset is simply stored securely by the lender until the loan is fully repaid, at which point it is returned to you.
New Heights Finance is a registered finance broker. We connect you with specialist private lenders, manage the valuation process, and guide you through the loan agreement — ensuring transparency at every step.
What Assets Can I Use As Security For A Loan?
Loans Against Vehicles
Use a fully paid-up car, truck, motorbike, or commercial vehicle as security for a short-term cash loan. The vehicle must be owned outright and registered in your name, free of any existing finance agreement. Common makes include Mercedes-Benz, BMW, Porsche, Land Rover, Ferrari, and other high-value vehicles.
Loans Against Boats & Yachts
Leisure boats, speed boats, sailing yachts, and commercial vessels with significant resale value qualify as collateral. Clear title of ownership and current insurance are required. The vessel is stored securely for the duration of the loan term.
Loans Against Luxury Watches
High-end Swiss and luxury timepieces are among the most liquid collateral assets available. We accept prestige brands with strong secondary market values, assessed by specialist watch appraisers. Watches are stored in climate-controlled, insured facilities throughout the loan term.
Loans Against Jewellery & Loose Diamonds
Bespoke jewellery, loose certified diamonds, and gemstone pieces with verified provenance qualify as collateral. Stones are assessed by accredited gemologists. Grading certificates (GIA, AGS, or equivalent) significantly support valuation. Loose diamonds and coloured gemstones including rubies, emeralds, and sapphires are considered.
Loans Against Gold & Silver
Physical gold and silver holdings — including bars, ingots, and coins — can be used as security for a short-term loan. Values are assessed against the current spot price at the time of application. Gold and silver bar collections held in certified storage are specifically accepted.
Loans Against Kruger Rands
Kruger Rands are one of the most widely recognised and traded gold coins in the world, making them highly liquid collateral. Both full ounce and fractional Kruger Rands — half, quarter, and tenth ounce — are accepted. Loan value is calculated against the current gold spot price at the time of appraisal.
Loans Against Fine Art
Original works of art by established and emerging artists with demonstrable market value. Paintings, sculptures, limited edition prints, and photography from reputable artists or galleries are considered. Provenance documentation, exhibition history, and auction records support the valuation process. Art is stored in secure, climate-controlled facilities.
Loans Against Antiques
Antique furniture, silverware, porcelain, clocks, and decorative objects with verified age, provenance, and collector value are eligible as collateral. Items are assessed by specialist antiques appraisers. Supporting documentation such as auction records, dealer certificates, or previous valuations assists the process.
Loans Against Rare Collectibles
Rare stamps, vintage wine collections, rare coins (excluding Kruger Rands, listed separately), significant sports memorabilia, and other verifiably scarce items with an established collector market. Provenance, grading certificates, and condition reports all contribute to the assessed value.
Not Sure If Your Asset Qualifies?
We consider a wide range of high-value movable assets beyond those listed above. If you own something of significant value and want to know whether it can be used as collateral for a short-term loan, contact us for a confidential, no-obligation assessment.
Ask About Your AssetHow Do Loans Against Assets Work?
We handle the heavy lifting. You submit one application — we approach multiple lenders, compare offers, and present you with the best available terms. No multiple credit checks, no lender shopping on your own.
Submit your enquiry
Tell us about the asset you want to use as collateral — type, brand, estimated value, and the amount you need. Takes less than 5 minutes online.
Professional valuation
Our specialist appraisers or trusted third-party experts conduct an independent valuation of your asset. This determines the loan amount you qualify for. The process is accurate, confidential, and respectful of your asset's value.
Loan offer & agreement
We present you with a clear loan offer detailing the loan amount, interest rate, repayment terms, and all fees — transparently disclosed before you sign.
Secure storage of your asset
Upon acceptance, your asset is securely transported (if required) and stored in insured, climate-controlled facilities for the duration of the loan. Your item is fully protected throughout.
Funds to your account
Once the agreement is signed and your asset is secured, the loan amount is transferred to your nominated bank account — often within 24 hours.
Repayment & asset return
Make repayments according to your agreed schedule. Once the loan, interest, and fees are fully repaid, your asset is promptly and safely returned to you. No early settlement penalties apply.
What Are The Benefits of An Asset Based Loan?
Speed
Access capital within 24–48 hours — far faster than traditional bank loans which can take weeks.
No credit check
Your credit history is not the primary consideration. The asset value is what matters.
Confidentiality
A discreet process that does not appear on your credit record or require extensive financial disclosures.
You retain ownership
Unlike selling, you never relinquish ownership of your asset. It is safely returned on full repayment.
Minimal paperwork
Significantly less documentation than a traditional bank application. ID, proof of ownership, and income are typically all that's required.
Insured storage
Your asset is stored in secure, climate-controlled, fully insured facilities throughout the loan term.
Estimate Your Loan Costs
Use the calculator below to get an indicative estimate based on your asset type and estimated value. Select your asset category, adjust the value slider, and choose your preferred term.
| Cost item | R100,000 loan · 3 months · 27% APR |
|---|---|
| Loan amount | R100,000 |
| APR | 27% |
| Monthly admin fee × 3 | R1,725 |
| 90-day interest | R8,100 |
| Total repayment | R109,825 |
27% APR · R575/month admin fee · No early settlement penalties · Subject to lender T&Cs at time of quote.
Loan Against Assets Calculator
Estimate your loan amount and total repayment. Indicative figures only.
Indicative only. Final loan amount subject to professional valuation and lender T&Cs.
Apply for an Asset-Backed Loan
Tell us about your asset and we’ll be in touch within 24 hours.
- No credit check required
- Up to 70% of asset value
- Funds within 24 hours
- Asset fully insured in storage
- No early settlement penalties
Document Checklist
Tick off documents as you prepare them.
Frequently Asked Questions
What assets can I use as security for a loan?
Can I use my asset during the loan term?
How quickly can I access the funds?
Is a credit check required?
What is the difference between a loan against assets and pawning?
How much will I be lent against my valuable asset?
Where is my asset kept during the loan?
Are there early settlement penalties?
Are loans against assets renewable?
Does New Heights Finance charge upfront fees?
Important disclosure: New Heights Finance is a registered finance broker and does not directly provide loans. We earn a commission from lenders, typically a fixed percentage of the loan amount. Loan approval is subject to each lender’s terms and conditions at the time of application. Cost figures shown are indicative only. Please assess your ability to service any loan before applying.
Put Your Valuables To Work.
Apply For An Asset-Based Loan.
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