How our loans work?
1. Bring your valuables to us and get them valued...
3. Payback your loan and redeem your belongings.
2. Get instant cash on agreed offer, if valuable qualifies.
Have a valuable
you intend to use?
Our Services
Collateral Loans
Get fast access to cash by leveraging your valuable possessions as collateral. KinaBoy offers simple secure loans to provide temporary relief when you need it most.
The amount loaned is determined by the appraisal of your valuable.
Requirements
All we require is an valid ID and a valuable item that you use as security against your loan, the value of your security will also determine how much your loan amount will be. The valuables must be in great condition, working well and come with all necessary accessories. You will be required to logout of any locked accounts (e.g iCloud), and for vehicles provide original MVIL registration certificate which must be under your name.
Terms
For Gold we loan up to 75% of the value at a 8% monthly fee. Gold must be tested.
For other valuables our fee is 12 - 20% of the amount advanced, with the fee accruing weekly. The repayment period is flexible, allowing you to repay anytime within three months from the date the loan is issued. The fee accounts for the high-risk nature of short-term lending, particularly against depreciating collateral. In many cases, accurately assessing an item’s true condition is challenging, as hidden issues may exist. This ensures we mitigate potential losses while offering fair and secure loan services.​
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The fee covers interest, management of your valuable, administration, security and storage fees associated while in our care.
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Appraisal process
The loan amount we offer is based on the appraisal of your valuable. Our team evaluates several factors, including the current market value, the item’s condition, year, model, accessories, brand, and demand. If your item scores well in these areas, you will be eligible for a loan, and an offer will be made. However, if your item does not meet the satisfactory requirements, it may be deemed high risk, and we may be unable to provide a loan against it
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unredeemed loans
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We take pride in keeping your items safe and secure until you’re ready to repay the advance and reclaim your belongings. However, if repayment is not made within the specified redemption period, the item will be forfeited, allowing us to try and recover what is owed which is the last thing we wish to do.