Gold Loan - How to Get a Gold-Backed Loan Up to 75% of Value

Gold Loan

Access Cash Without Selling Your Gold: Inside the Money Metals Gold Loan Program

Many Americans bought gold and silver as a hedge against inflation, central bank overreach, and the rising risks in the fiat financial system. But when cash flow tightens and unexpected expenses arise, some are forced to sell their precious metals just to stay afloat.

Money Metals Capital Group offers a smarter alternative: the Gold Loan Program. It lets you unlock the cash value of your gold and silver without giving up ownership. This isn't some pawn-shop operation—this is secure, insured financing that respects the real value of your bullion.

Unlock low-cost liquidity from the gold you already own.

Use the quick form below to explore your line of credit options with Money Metals.

A Smarter Way To Borrow

Access business or investment capital at rates far below typical pawnshops.
Borrow against up to 75% of your bullion’s current market value.

Fast, Flexible Credit Line

Simple underwriting with funding often in just a couple of days.
Interest-only payments give you maximum flexibility on cash flow.

Secure, Insured U.S. Storage

Your coins and bars are vaulted in a segregated, fully insured U.S. depository.
Keep full ownership of your metals without touching your bank accounts or other assets.

Money Metals' industry leading gold loan program provides small business owners, like myself, the opportunity to invest in precious metals, and have access to capital. This combination provides their customers with the highest degree of consumer value and utility in the industry!

Henry G.

Why Sell Your Gold When You Can Borrow Against It?

Your gold and silver are valuable assets—but they don’t have to sit idle. With the Money Metals loan facility, you can leverage your metals as collateral to access capital, all while your investment stays securely stored and fully insured.

Instead of liquidating your holdings or turning to high-interest credit cards, you can put your metals to work through a low-interest, collateral-backed loan.

What is the Money Metals Gold Loan Program?

The Gold Loan Program is a secured line of credit offered to individuals who hold at least $20,000 in gold, silver, platinum, or palladium bullion stored at the Money Metals Depository in Eagle, Idaho. In return, you can access a loan amount of $15,000 or more, based on up to 75% of your metals' current market value.

It’s fast. It’s private. It’s designed to help you avoid the high interest rates, origination fees, and risk of loss that come with traditional pawn loans or unsecured financing.

You retain full ownership. Your metals stay safe in a Class 3 vault, and your account is insured every step of the way.

How It Works: A Simple 3-Step Process

1. Submit a Quick Application

Fill out the online loan form or use the short inquiry form to get started. A team member will walk you through eligibility, appraisal, and funding details.

2. Ship or Allocate Your Collateral

If your metals are already stored with Money Metals, you’re nearly done. If not, you can securely ship your bullion to the Money Metals Depository using insured USPS or other verified carriers. Upon receipt, your items will be appraised and stored securely.

3. Receive Your Funds

Once your loan agreement is executed, funds are disbursed via wire transfer, typically within 48 hours. You’ll begin making interest-only monthly payments. There are no early repayment penalties and no hidden charges.