Roberto Coin Finance
Every Roberto Coin piece has a ruby set on the inside, where only the wearer knows it is there. Dynamic Finance arranges personal loans for the purchase.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Roberto Coin Finance with Dynamic Finance
Roberto Coin spans everyday gold through to substantial stone-set pieces, so the sums vary widely.
Whichever end you are at, the application is the same and it is about you rather than the jewellery. Tell us the amount and we will come back with fixed repayments over a term that suits, usually the same day. Asking does not affect your credit score.
How this differs from vehicle finance
A personal loan is not secured against what you buy. There is nothing registered on the PPSR over a watch or a piece of jewellery the way there is over a car, which changes what the lender is actually weighing up - the decision rests on your income and your existing commitments rather than on the item or what it might fetch second hand.
That has a practical upside. The money is not tied to a particular retailer or a particular item, so it reaches you rather than the shop and you buy as a cash buyer - here, privately, or from overseas.
It is worth being straight about the other side of that. An unsecured loan is still a debt with fixed repayments, and nobody being able to repossess the item does not make a missed payment consequence-free. All lending is subject to lender assessment and approval, and whether it is affordable for you is part of what gets assessed.
We are an independent finance broker. We are not a dealer, stockist or agent for any brand and have no connection to the retailers involved - we arrange the loan, the money reaches you, and where you spend it is entirely your business.
Why not put it on a credit card?
Plenty of people do, and for a small amount it may well be the simpler answer. The structures are genuinely different though, and the difference is worth knowing before you decide.
A personal loan
Fixed term, fixed repayments
- A set term, so there is a date it is paid off
- Repayments that do not move month to month
- The rate is fixed at the start
- One application across a panel of lenders
- Nothing held as security over what you buy
Revolving credit
A card or an overdraft
- No end date unless you set one yourself
- Minimum payments that shift with the balance
- Rates are variable and can change
- Whatever limit your existing provider will give
- Easy to add to, which is the appeal and the risk
How it works
Tell us the amount
What you want to borrow and roughly where your income and commitments sit.
We take it to the right lenders
One application, across the lenders on our panel who do unsecured personal lending.
Funds to your account
The money reaches you, not a retailer, so you buy wherever you were going to buy.
Find out what it would cost
Tell us the amount you have in mind and we will come back with real numbers - usually the same day. Asking does not affect your credit score and is not an application.