Unlock cash quickly while keeping your metals safe. Borrow up to 65% of your bullion’s value — low interest, no credit check, and you never give up your position in the market.
Tell us which metals you’d like to borrow against using the short inquiry form below. No credit check, no obligation.
Your gold, silver, platinum, or palladium is inspected and stored in our fully-insured U.S. vault for the loan term.
Once your collateral is verified, we issue funds fast — completing your loan in days, not weeks.
Own precious metals you’d rather not sell, but need liquidity? Borrow against them instead.
Borrow up to 65% of your metals’ current market value.
Interest-only monthly payments — far below pawnshop rates.
A simple approval process with funds in just a few days.
Your collateral is stored safely and fully insured the entire term.
No prepayment penalties and no origination fees — ever.
See how much you can borrow against your metals in seconds — at our 65% advance rate.
Minimum loan size is $15,000 (about $23,000 in collateral value).
Apply for This LoanEstimate only. Final advance rate and terms are confirmed after your collateral is verified. Spot prices update hourly.
| Feature | Sell Your Gold USA | Pawnshop |
|---|---|---|
| Loan-to-Value Ratio | Up to 65% | 25–40% |
| Interest Rates | Competitive, single digits | 25–50% annually |
| Purpose | Commercial & business | Personal, short-term |
| Transparency | Clear contracts, insured storage | Often opaque, risk of loss |
Your loan amount is based on the market value of the metals you pledge. We advance up to 65% of that value, which builds in a cushion that protects both you and us if prices move. Example: about $23,000 in bullion supports our $15,000 minimum loan.
You make interest-only monthly payments at a competitive, single-digit rate — a fraction of typical pawnshop rates. There are no origination fees and no prepayment penalties, so you can pay down or pay off your loan whenever it suits you.
Because your loan is set well below the full value of your metals, short-term price swings usually aren’t an issue. If prices fall significantly, we may reach out about a margin call — adding a little collateral or paying down a portion of the balance to keep your loan-to-value in range. We always contact you and work with you first.
For the entire term of your loan, your collateral is stored in a secure, fully-insured U.S. vault — never shipped overseas. You get the liquidity of a loan while your metals stay safe, insured, and in your name. When your loan is repaid, your exact metals come right back to you.
Start Your LoanThese loans are designed for commercial and business purposes. Common uses include:
Fill out the quick inquiry form and a member of our team will reach out to walk you through your options — typically same or next business day.
Prefer to talk? Call (866) 904-3502, Mon–Fri.
