Online Gold Pawnbrokers

Safe and secure instant pawn loans against your gold

Gold Pawnbrokers

Gold has unique properties as an asset class – it is often considered the best investment option due to its diversification benefits, and as a result this makes gold one of the most popular items to pawn. Gold itself is precious and luxurious – it has historical and cultural importance and still attracts attention from traders and jewellers around the world.

The popularity of gold pawning has allowed us to create an attractive gold loan. There are three components:

  • Accurate Measurement. We lend against the exact carat. We use technology that is not found outside bullion and assay marking centres. The thermo scientific analyser uses X-ray fluorescence to identify the purity of the gold and determine the exact carat.
  • Zero price risk. We hedge every single gold loan against a decrease in the price of gold. That means that the peer-to-peer lender is willing to make a lower return than against other assets and we pass that savings on to you.
  • 80% loan to value. Given gold’s unique properties as an asset class, we can lend more against every pound of gold than against any other type of asset. And we do – 80% every time.

Many pawnbrokers will offer to lend against your gold, however, they don’t offer the same services that we are uniquely positioned to provide. An established FCA regulated pawnbroker, we combine the specialist valuation expertise of auction houses and dealers with our custom developed pawnbroking software and an experienced operations team. Our peer-to-peer lending platform confirms loans quickly and guarantees an easy and confidential transaction.

Your Specialist Online Pawnbroker

Are you concerned about the interest rates and charges on pawn loans? Don’t worry. We operate differently to traditional pawnbrokers. We provide a simple and transparent online service, at an interest rate that is comparable to credit cards.

Instead of a shopfront, we have discreet offices based in the City of London. We use a simple online platform to process our loans, and then we pass the savings onto our borrowers, allowing us to offer the most competitive pawn loan interest rates. All you have to do is upload a picture of your item, describe it, apply for a loan, and you receive an indicative offer.

Borrowing against your gold is a simple and easy way to free up your funds – without letting go of your precious assets. Our loan terms are fair and transparent, and our small team is always at hand to answer any questions or discuss your loan.

How to Pawn your Gold

We provide a hassle-free process so you can quickly receive cash for your gold. You can apply for a pawn loan against your gold in three simple steps:

  • Step 1 – Upload photos of the gold that you wish to give as collateral. You will receive the loan offer within two hours.
  • Step 2 – Courier your gold to us using Royal Mail Special Delivery, or make an appointment to meet us in our discreet office in the City of London. If you choose to post your items, we will cover the insurance during transit.
  • Step 3 – Once the gold has been carefully assessed in person, all you need to do is accept your loan offer. The funds will then be in your account within minutes.

Is Borrowing Against Gold Right for You?

You might not have used a pawnbroker before or may be unsure of the process. The traditional pawn shop image of a valuer sitting behind a counter in a high-street booth is far from the reality with us. There are a wide range of benefits to a pawn loan, some of which you might not have been aware of. So, if you are unsure about the idea of borrowing against gold, here are the benefits:

No Tedious Paperwork – We know that your time is precious. That’s why our application process is online – quick and simple.

No Credit Checks – The security of a gold pawn loan does not depend on your financial history. As we are lending money against your assets, your credit score is not relevant to the decision to lend.

Spot-Free Credit Score – Even if you are unable to pay back the loan, your credit history will remain unaffected. We do not report any failure to repay loans and if you wish to walk away from the loan, we sell the assets and transfer the excess funds back to your account.

Easy Access – Receive 70% against the value of your gold simply by completing our hassle-free online application from the comfort of your home or office.

Discreet and Flexible – We understand that financial arrangements can require discretion.  We communicate only by email and phone with the named borrower, and we post items back in discreet unmarked packaging. Should you wish to make an appointment to meet us, we have an unbranded office in the City of London. We do not have a shop, so do not retail defaulted items.

Low-Interest Rates – We are committed to helping you get loans at the lowest possible rates. Our interest rates are less than half of what other high street lenders charge from borrowers.

To easily understand the interest rates we charge, we have prepared an indicative example of how they are calculated on pawn loans. If you have any questions about a loan, our small team is always at hand to help.

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.

Minimum APR: 18.8%. Maximum APR: 67.1%.

All loans are for a fixed term of 6 months. You can repay early at any time without penalty.

Risk Warning: If the loan is not repaid, the assets may be sold.

So, what are you waiting for? Unbolt your assets and release the funds tied up in your gold! Get in touch with us today.

Frequently Asked Questions

Is it better to pawn or sell gold?

It is always better to pawn your gold than to sell it. Besides being able to get quick cash loan for gold, you will also get to keep your assets. In addition, as the pawnbroker need not worry about finding a suitable buyer for your gold, you are likely to receive a higher amount for your gold pawing.

Why should I choose Unbolted for pawning my gold?

Choose Unbolted to pawn your gold if you wish to experience benefits above and beyond those provided by traditional pawnbrokers gold. We offer the most market-beating interest rates out there and given our accurate measurement, you can receive a high and fair value against your cash loan for gold.

How does your pawn shop determine the value of gold?

Unbolted lends against the exact carat of your gold. With the help of a thermo scientific analyser that uses a X-ray fluorescence to identify the purity of your pawn gold and an experienced operations team of specialists, you can expect an accurate and fair value on your cash loan for gold offer.

How quickly can I obtain my loan for pawning gold?

Pawn gold online with Unbolted and obtain your loan within a few hours. Once we have received images of your gold you wish to pawn, we will make you a cash loan for gold offer within the next two hours. And you can expect to receive the loan money within minutes or a maximum of two hours after the assessment of your gold.

What is the interest rate for pawning gold?

Unbolted charges the most market-beating interest rates on our cash loan for gold. To understand the interest rates we charge on gold pawning, read this example – Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.


Minimum APR 18.8%     Maximum APR 67.1%

How long does the contract run for?

With Unbolted, you can pawn gold online for a fixed term of six months. However, if you wish to pay back your cash loan for gold before this standard period, you can make an early repayment without paying any penalty charges.

How do I get my pawned gold back?

To get back your pawned gold item, you must ensure timely repayment of your cash loan for gold. Pawning gold and failing to repay on time will lead to loss of your assets as they may be sold.

Will pawning gold affect my credit rating?

No, a cash loan for gold from Unbolted will in no way affect your credit rating. Neither are there any credit check hassles involved prior to gold pawning nor do you risk affecting your future credit report, even if you’re unable to pay back your loan.

How does Unbolted compare to other gold pawnbrokers?

Unbolted offers some of the lowest interest rates in the market on your cash loan against gold. However, that does not mean that we do so at the expense of your loan-to-value, which can go as high as 80%. Our loan processing is totally fair and transparent, unlike any other pawnbroker gold out there.

How do I know if my gold is valuable for pawning?

Before pawning gold, ensure its value by approaching a reliable and experienced jeweller and determining its purity and melt value. The higher the purity of your gold piece, the more valuable it becomes to pawnbrokers gold.

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Token House
11-12 Tokenhouse Yard
London EC2R 7AS
by appointment only

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