Summerella’s top picks from Maxi-Cash latest Brand New SPG!

Summerella, Singapore’s self-proclaimed fashionista shares her love for SPG (Shiny Pretty Gold) by hitting the streets of Singapore to interview unsuspecting Singaporeans. Catch Summerella’s interview here!

In recent years, gold has become one of the most popular choices of accessories among the younger generation, Gold is commonly worn as a fashion accessory to complement an outfit or to make a statement of success, as gold evokes boldness and reflects one’s achievements and affluence.

Well known for having a sharp eye for some of the trendiest jewellery in town, Summerella introduces her top favourite BRAND NEW SPG from Maxi-Cash!

The classic loops interlinked with the Clover Leaf. This 916 Gold jewellery design is something that never gets old. In almost all languages, clover leaves represent good luck.

Chunky jewellery is the “IN THING”, especially among Gen Zs with the representation of bold and daring personalities. These chunky 916 Gold bracelets and ring, bring out the fun & charismatic persona.

Something classy and minimalist for the ladies? Glam up with our 999 Pure Gold jewellery for a ladies’ night with matching necklaces, bracelets, hoop earrings and a wrap-around ring.

Nothing says BOLD and AVANT-GARDE with our Enchanted Symphony 916 Gold necklace and earrings. A head-turner on all occasions. This is the perfect pièce de resistance for one who screams confidence and dress to impress in their everyday life.

As Summerella always says, stop hesitating and check out these BRAND NEW golden babes in Maxi-Cash stores or click here for more!

From now till 15 June, enjoy impeccable savings with 30% off workmanship fees and up to 50% off on selected gold jewellery. With the guaranteed everyday low gold prices, now is the time to pamper yourself, loved ones and friends with some of the shiniest and prettiest golden babes in the market!

Maxi-Cash celebrates another year of excellence!

Celebrate Maxi-Cash’s anniversary sale of up to 60% off from now till 03 November! Enjoy great savings on gorgeous collections of brand new gold and diamonds!

Maxi-Cash renews partnership with Phyllis Quek and Tasha Low

Phyllis Quek and Tasha Low, Maxi-Cash’s stylish ambassadors, embarked on a journey of gold and gems with us in 2021, introducing our beautiful brand new gold collections to women of all ages. After a year of successful campaigns, Maxi-Cash extended our partnership with these 2 ladies for another year of collaboration. We are thrilled to have Phyllis & Tasha, who share the same love for gold and diamonds, to introduce new gorgeous collections that allow women to express their individuality.

Phyllis, who has been an avid fan of gold mentioned, “Gold draws out our confidence and expresses who we are and present our best possible self to the world. Being the brand ambassador of Maxi-Cash has brought forth many fond memories and intensified my love for gold further as we are bold, we have value and we appreciate [in value, just like] gold!”

Complementing Phyllis’ sentiment, Tasha added her thoughts of how “the versatile designs of gold, sleek and minimalistic has gotten her to can’t help but fall in love with gold more. I look forward to another year of collaboration with Maxi-Cash!”

If you are looking for new best friends in gold, Maxi-Cash is the best place to check out some of the newest collections of gold jewellery! Well, we are definitely in check for more and super excited about the upcoming campaigns with the ladies, as many are being planned, keep a look out for more updates and news!

Snatch great deals with the Anniversary Sale

On this joyous occasion, we launched a series of brand new gold collections while at the same time, you get to enjoy unbelievable jewellery deals and discounts of up to 60% storewide and more! Read on for more deals and check out our list of extensive jewellery selections! Here’s our e-brochure featuring brand new collections of gold and diamonds from this anniversary sale.

The New 916 Gold Collections

Golden Finesse Collection

This set is worn by Phyllis and is one of her personal favourites! This collection exudes the elegance and sophistication of the wearer. The feminine organic curves are accentuated with textured and polished 916 Gold, portraying the multiple facets of a woman’s personality.

Golden Embrace Collection

Worn by Tasha in our recent campaign, the Golden Embrace symbolises the embracing of one’s dreams and aspirations. The collection depicts a warm cuddle in precious 916 Gold. The asymmetrical design creates a sense of movement and flow which encapsulates the youthful momentum of life.

2022 Maxi-Cash Jewellery Design Contest

Maxi-Cash collaborated with Raffles College of Higher Education to hold a jewellery design contest to search for aspiring jewellery designers. This contest had a great turnout with multiple submissions from aspiring jewellery design students.

The winning piece among many other submissions was named “Fluid Visions”. Quoted from the team behind this masterpiece, Fluid Visions is “inspired by water in traditional Chinese painting and futuristic elements. A marriage of ultra-modern seamlessness and the fluidity of movement.”

Fluid Visions Collection

Fluid Visions features a 3-piece diamond-centred white gold jewellery consisting of a ring, pendant and earrings. With its intrinsic and sleek design of curves that blend into each other, this collection depicts the fluidity of movements as inspired by its maker. Just like the perfect symphony of East meets West, a marriage between modernity and tradition.

Act now and shop for the latest jewellery trends while enjoying great savings with Maxi-Cash’s Anniversary Sale!

This campaign runs till 03 November, and time is running out. Get your hands on our newest gold and gem collections with discounts of up to 60% (great news, Phyllis and Tasha’s collections are included), or swing by our stores to enjoy an exclusive promo of $2 off per gram on the gold price for 916 and 999 Gold necklaces!

Click here to shop online now! Apply promo “WELCOME10” to slash $10 off your final bill on your first purchase with us!

P.S Get free gold when you spend a minimum of $800 on brand new gold in a single receipt. While stocks last, grab yours now.

5 Simple Ways To Make Any Outfit Look Effortlessly Classy

Whether it’s a casual day out or a fancy date night, a classy look will never go out of style. There’s also something incredibly confidence-boosting about being in an effortlessly chic outfit.

Keep reading to check out five simple ways to make any outfit look effortlessly classy!

#1 Elevate your style with a designer bag

If there’s one thing we can learn from Korean fashion, an effortless style can be easily achieved when you strike a balance between fashion and functionality. And what else can better encapsulate this than a designer bag?

Designer bags are so much more than just the function they serve. They’re the ultimate fashion element that completes your overall getup while reflecting your personal style.

You can find a wide selection of preloved designer bags at Maxi-Cash, the one-stop fashion destination offering brand new gold jewellery and a plethora of preloved branded collections.

Shop covetable brands like Gucci, Chanel, Louis Vuitton and more at 20% off this Great Sparkling Sale.

#2 Add a touch of sophistication with a leather-strap watch

Maxi-Cash-leather-strap watch

Just like bags, a watch is an important asset that expresses your individuality. The best timepieces are those that are versatile and imbued with sophistication, such as leather-strap wristwatches.

If you’re looking to add a new timepiece to your style arsenal, look out for Maxi-Cash Great Sparkling Sale where timepieces are on sale at 30% off. Leather-strap wristwatches, in particular, are on sale online at up to 50% off, including brands such as Franck Muller, Cartier, Rolex and Tudor.

#3 Accessorise with emblematic jewellery

Maxi-Cash-SG_Preloved-Branded-Jewellery,-Bags,-Watches

Add a touch of polish to your look with emblematic jewellery. LuxeSTYLE preloved jewellery with emblematic designs like Louis Vuitton, Tiffany & Co and more are on sale at 40% off online.

#4 Look perfectly put together with gold accents

Gold accents can instantly create a sophisticated flair to your look. Whether it’s gold earrings or bracelets, these little details can make all the difference. The warm-toned jewellery also complements every skin tone.

From minimalist to something more fancy, you’ll have plenty to choose from in the all-new Citigems 916 / 999 gold collection from Maxi-Cash. These investment pieces have classic, versatile designs with contemporary details that will stand the test of time.

#5 Jazz up neutral outfits with gemstone jewellery

Maxi-Cash SG_Citigems New Diamond Jewellery

You know what they say, when it doubt, wear neutrals. A crisp white shirt and black tailored trousers have an effortlessly refined, classy look. Then again, they can look a tad humdrum.

Check out a selection of colourful gemstone jewellery that will liven up your mood and style. The brand new Citigems collection is currently on sale at up to 70% off on Maxi-Cash E-Shop.

Maxi-Cash SG_Citigems Diamond Jewellery

Maxi-Cash is a haven for fashion lovers who are passionate about the environment. The process of making the glamorous bags and accessories we covet is often damaging to the environment. And yet, there’s that urge to have new things that yearns to be satisfied.

The answer to this conundrum is pretty simple – shopping for preloved fashion! Every preloved item purchased lessens waste that goes into landfills and reduces demand for new products. The next time you’re in the mood to shop, check out Maxi-Cash stores or shop online for preloved branded bags, watches and jewellery for a style reboot without increasing your carbon footprint.

On top of these discounts, Maxi-Cash has a giveaway! Make any LuxeSTYLE purchase online and stand a chance to win a Prada coin purse with custom monogram design by local designer, Wendy (@Deelydelly), worth $550.

This post is brought to you by Maxi-Cash.

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Maxi-Cash aims for customer retention, sustained growth amid pandemic

BT PHOTO: YEN MENG JIIN

THE year 2020 was a surprisingly good one for pawnbroker Maxi-Cash Financial Services Corporation. Typically, an economic slowdown results in better business for pawnshops, as more people seek funds to tide over difficult times. But Ng Leok Cheng, chief executive of Maxi-Cash, says the Covid-19 pandemic has been a “very different and uncertain type of crisis”.

During FY2020 ended December, Maxi-Cash actually saw a decline in revenue from its pawnbroking and secured lending business segments. Revenue from pawnbroking declined 2.8 percent to S$42 million, from S$43.2 million in FY2019. The money lending segment logged revenue of S$2.9 million, down from S$7.9 million previously.

But the company more than made up for this with revenue growth from retail and trading of jewellery, as well as from branded merchandise. Revenue from this segment increased 30.3 percent to S$217.9 million, from S$167.3 million in FY2019.

This was despite the reduced number of operating days in the year, due to “circuit breaker” requirements. Maxi-Cash had to shut its stores from April 7 last year. Its pawnbroking stores were allowed to reopen progressively from April 12, while the retail stores could only open from June 19.

The strong performance is partly thanks to a positive environment for gold prices and partly due to increased spending among consumers.

With the pandemic halting travel and curbing social interactions, many people are now opting to spend their money on valuable items that either retain or appreciate in value. At Maxi-Cash, the average value of purchases has increased during the pandemic.

Good times may not last

Although business initially suffered due to a “high level of uncertainty”, Mr Ng said the government’s efforts to put money into the pockets of the “man on the street” helped boost consumer sentiment.

“We also benet indirectly because it means the pawners – people who pawn things with us – and people who buy things at our stores will have better means despite the difficult environment,” he said.
Mr Ng cautioned, however, that such good times might not last. Contrary to popular belief, he said, higher gold prices are not always a boon for pawnbrokers. And the “unique confluence of factors” that made conditions favourable for Maxi-Cash in 2020, might not continue this year.

“The basic rule is that every business will only grow in the long term if the economy is good, and pawnbroking is no different. There may be a small spike during difficult times because some people need the money (urgently), but this is not sustainable,” he said.

Ultimately, when macroeconomic uncertainties rise, people tend to cut back on expenses and businesses start to scale back on their investments. For instance, some small and medium-size companies may not even be operating during periods of lockdowns.

With a resurgence of Covid-19 cases of late in Singapore and the rest of the world, troubles for the industry are far from over. At the same time, Mr Ng is confident that Maxi-Cash has the necessary practices in place to weather the storm.

For instance, he said, the company has retained customers because of several “goodwill factors” that it extended during the circuit breaker.

These included waiving one month of pawning interest, which set the company back by “millions of dollars”, as well as extending pawn ticket and instalment periods.

Mr Ng estimates these “goodwill measures” amounted to roughly one month of the company’s interest income.

Maxi-Cash also tries to be transparent about loans and valuations. One of the problems with the pawnbroking industry is a “vicious cycle” of low loan-to-value ratios. Pawnbrokers might offer to loan an amount that is only a small percentage of the total value of an item, with high interest rates as well as other fees.

“The result of this is that the pawner will not be encouraged or motivated to come back to redeem the item, and it becomes a vicious cycle,” Mr Ng said.

Virtuous cycle

Maxi-Cash is one of several local pawnbrokers that is aiming to create a more “virtuous” cycle in the industry. The company offers valuations based on market rates and also keeps interest rates competitive.
The pandemic has also emphasised the need for the business to remain agile.

Maxi-Cash is “constantly reviewing (its) network of stores”, even during the pandemic. The rm has not shuttered any of its stores during the Covid crisis, but has relocated one of its stores at Victoria Street and rented a third store in Lucky Plaza – one that faces the street.

“If we have a store that faces the road, perhaps the impact of another lockdown won’t be as great as if the stores are within the shopping centre,” Mr Ng said.

Maxi-Cash posted net profit of S$29.3 million in FY2020, up from S$14.8 million in the previous year. Revenue for the year rose 20 percent to S$262.8 million, from S$218.5 million in FY2019.

Dividends proposed and paid for the financial year stood at 2.6 Singapore cents per share, up from 1.35 Singapore cents per share in FY2019.

Asked if the company is likely to see a lift in financials again this year, Mr Ng cautioned that the last year was “not your normal year”. Nevertheless, he said any risks the business would face would be “manageable” unless gold prices totally collapse.

Unlike other businesses that face highly volatile demand, he said, the pawn and retail businesses are generally more stable because they are based on items that are of good value that people can easily monetise.

Keeping a close watch

Maxi-Cash is, however, keeping a close watch on the Covid-19 developments across the various countries it operates in. A huge spike in cases or renewed lockdowns could result in a “very big” adverse impact for the company as consumer sentiment takes a hit, Mr Ng said.

Currently, the group operates in Singapore, Malaysia, Hong Kong and Australia. With 47 stores, Singapore is the company’s largest market.

Said Mr Ng: “We started the year feeling very positive about 2021, but recently the confidence has been a bit shaken by the spike in local cases as well as other countries we operate in.
“This business requires confidence about the future, so that people will consume. When people consume, they buy things, trade in, or monetise the items to fund their lifestyles or businesses.”

Reference article >>

6 Easy, Foolproof Ways To Style Jewellery With Your Date Night Outfits

Jewellery is often the finishing touch to any outfit, and can add a whole new vibe to an otherwise regular getup. In particular, fine jewellery always brings a touch of sophistication, which makes it perfect for dressy date nights and fancy dinners out with your girlfriends.

Whether you’re a newbie to fine jewellery or just have too many pieces that you’ve lost track of how to mix and match, here are 6 easy, foolproof jewellery styling tips that will make dolling up a breeze.

Note: All jewellery featured are available at Maxi-Cash stores in Singapore.

Read on for our jewellery styling tips!

#1: Pair long or double-layered necklaces with sweetheart necklines

A flirty sweetheart neckline goes perfectly with longer or double-layered necklaces. This balance of space draws an equal amount of attention to your collarbone and jewellery, and allows both your bling and outfit to stand out in their own right without other distractions.

Here, we’ve layered a “Love” necklace with Eternity, a heart-shaped necklace in romantic rose gold from Citigems, matched with a fun polka-dotted dress. Who says you have to keep it plain when donning patterned outfits? It’s all about finding the right pairing!

#2: Match the colour of your jewellery to the hardware of your bag

Picking your bag of the day based on your jewellery and vice versa is the way to go. If you’re wearing silver or white gold jewellery, match it with bags that have silver hardware. Likewise, yellow gold can be seamlessly matched with gold hardware.

Clutch bags with chain straps are ever-popular, and you can’t go wrong with a top-handle handbag either. These are usually roomy enough for essentials without being overly bulky, so they won’t weigh you down or get in the way as you’re out and about with your boo.

#3: Stack on the arm candy when wearing a plain outfit

There are no rules when it comes to fashion, so stack on the arm candy and let your hands do the talking! Be it rings or bracelets, don’t be afraid to make your hands a focal point by wearing multiple pieces at the same time, especially if you’ve just gotten a fresh manicure. This is a great way to jazz up a simple outfit too.

If you’re afraid of going overboard, opt for slimmer rings and bracelets that will complement each other instead of fighting for space and attention – just like these tasteful gem-set rings.

#4: Add a feminine touch to a suit jacket with floral jewellery

Structured outfits worn to the office can also work nicely for dates, and there’s no need to worry about them looking overly stiff as you can always accessorise to make them look softer.

Flowers can add a delicate touch to your outfit, so invest in some dainty floral jewellery – like this Seoul Style collection from Maxi-Cash, which includes a double-layered necklace, wraparound ring, and stud earrings with dangling chains.

We’ve paired these with muted blazers and white tops for a chic and feminine work-to-date ensemble.

#5: Say it with love using slogan necklaces

Celebrate precious moments with a slogan necklace, such as this gold abacus necklace from Citigems’ new Love Abacus collection. The heart motif and “love” wording will instantly amp up the romance factor of your outfit, making it suitable for special occasions like anniversaries.

While you’re at it, you might as well go all out with the matching ring and dangly stud earrings!

Another pick is this cute cursive “love” wording necklace in white gold, with a tiny dangling diamante charm that shimmers in the light as you move about.

#6: Use small coloured gem-set pieces for a subtle pop of colour

Less is more. Create a subtle pop of vibrancy and youthfulness in your look with fine jewellery set with coloured gems. These will create mini focal points in your getup and allow you to show off your personality.

We’re in love with these rings from Citigems that come with rubies, sapphires, diamonds, and pavé details. Because they’re slim and understated, they look elegant worn both together and on their own.

As you can see above, a small, coloured piece looks perfect next to a solitaire – the diamond helps bring out the richness of the ruby’s hue without any colour clash or overcrowding of fingers.

– Valentine’s Day collection at Maxi-Cash Singapore –

Now that you’re more well-versed in styling fine jewellery, it’s time to bling up your outfits and bring out your best – especially with Valentine’s Day around the corner.

Citigems’ brand new Love Abacus collection, which we’ve featured above, comes just in time for this occasion. These pieces are timeless and can be easily paired with different types of outfits. They’ll be a great galentines gift to a dear girlfriend and serve as a sentimental reminder of your friendship!

At the same time, Citigems’ jewellery is now going at up to 55% off at Maxi-Cash, so make sure you take this chance to cop your favourite pieces while prices are most wallet-friendly.

All of the above Citigems jewellery featured are available at Maxi-Cash stores islandwide. Check out their full Valentine’s Day collection here.

This post is brought to you by Maxi-Cash.

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Text by: GirlStyle SG

Get Up To 60% Off Luxury Brands & Stand A Chance to Win Prizes Worth Over $8,888 At Maxi-Cash

‘Tis the season for Christmas gift shopping, and if you’re looking to treat your loved ones (or yourself) to luxury gifts, Maxi-Cash’s up to 60% off sale is here right in time.

Keep reading to find out more and how to use their discount code to get $50 off!

With 46 stores islandwide, Maxi-Cash is a treasure trove of authentic unused and pre-loved branded bags from popular luxury brands at pocket-friendly prices.
On top of that, they’re having a Christmas sale with offers up to 60% off!

Citigems