- Since 2010
- 12 Month Warranty
- Shipping Insured
Topwatch Cash Advance turns your luxury watch, jewellery or high-value asset into fast, fair, discreet cash — while you keep ownership. Regulated. Transparent.
Every Cash Advance agreement is backed by the same expertise and reputation as Topwatch’s retail business.
Regulated under the National Credit Act — fair, transparent, legally protected terms.
Assessed by the same watchmakers who authenticate every watch Topwatch sells.
This is a loan against your asset, not a sale — your item is safely held until settled.
100,000+ clients, 4.9/5 on Google, four branches across South Africa.
From walking in to walking out with funds — most clients complete this in one visit.
Or Visit any branch, or start the enquiry online.
Our watchmakers assess it on the spot.
A fair, transparent cash offer — no obligation.
Accept and receive funds; your item is stored securely.
Yes. We operate under National Credit Regulator (NCR) registration, meaning every agreement follows the National Credit Act’s requirements for fair terms and clear disclosure.
No. Your item is held securely as collateral while you repay — it remains yours and is returned once your agreement is settled.
Luxury watches from recognised brands, fine jewellery, Supercars and select high-value items. Bring your item in for a free assessment.
A percentage of your item’s assessed market value, depending on brand, condition, and documentation. [confirm range with compliance]
All personal and financial information is handled under our Information Protection Policy and POPIA requirements.
Get a free, no-obligation valuation at your nearest branch, or start your enquiry below and we’ll come back to you within one business day.
Takes under 2 minutes.
NCR Reg No. NCRCP 17521
Topwatch Holdings (Pty) Ltd is a registered credit provider under the National Credit Act.
