Borrow against Gold
Use your gold to get an affordable short term loan.
The best gold loan deal in UK
Gold has unique properties as an asset class. The World Gold Council states that gold has been “mined for more than 5000 years and its economic and cultural significance as a sign of status, a store of value and a mechanism of exchange remains while new diverse uses for gold as the basis of investment products and cutting-edge technology have emerged".
As a result, Unbolted has been able to create an attractive gold loan. There are three components:
- Accurate Measurement: We lend against the exact carat. Unbolted uses a technology that is not found outside bullion and assay marking centres. The thermo scientific analyser uses x-ray fluorescence to identify the purity of 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% each and every time.
Calculate the difference with the Unbolted Gold Loan for yourself
Ready to get started?
Submit an application today
At Unbolted, we have invested in all of the technology, data feeds and security systems to process your gold loans in the most efficient manner.
Unbolted uses the Niton XRF instrument which provides a fast, reliable, non-destructive means of identifying and quantifying the composition of precious metal alloys and the quality and grade of gold.
Key benefits include the non-destructive testing with instant results and as no acids are required – the end of the acid test!
Unbolted has a high security facility for the protection of your valuables and we use specialist storage facilities for your valuables as well.
All items sent to Unbolted with the prepaid mailing label are fully insured whilst in transit by a world leading insurer. And we track your shipment continuously.
The lowest borrowing costs in UK
We believe that you cannot find a better offer but if you do we will beat it.
Fair and transparent terms
Unbolted never deducts fees upfront - so you receive the full loan amount.
You retain repayment flexibility - we don't impose early-repayment penalties.
If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.
APR and Loan Terms
Minimum APR: 18.8%. Maximum APR: 63.1%.
All loans are for a fixed term of 6 months. You can repay early at any time without penalty.
Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.
Risk Warning: If the loan is not repaid, the assets may be sold.
What our customers say
I've got to say what a fabulous service; it’s the first time I've gone to a pawnbroker because I was always apprehensive of the unwarranted stigma attached to getting money on an asset. I had urgent legal bills for a barrister to issue an injunction and your service delivery was excellent - if only I knew it was that painless and friendly.
I came across unbolted at a very difficult financial time, instead of selling my items I could borrow against them. I wish I knew about Unbolted before. Very friendly staff and prompt payment. Every single question answered promptly too. Will definitely recommend and use again.
Excellent rates. Excellent service. Simply the best relative to all other credit offerings in the UK market. Well done!
Crystal Palace, London
Helped when I needed it. Had some jewellery which I secured with them. The whole process was easy and painless. Great service, great communication throughout and would use again. Had a trouble free experience.... first time I have used it but probably not the last.
I needed a short term, low cost loan and having searched companies online, including those I had used before, decided on Unbolted for a loan against assets. The team at Unbolted were quick, efficient and friendly and I had a hassle free loan faster than ever before. Excellent service, thank you.
NewtonAbbey, Northern Ireland
The valuation was very fair and considerably better than any of the lenders I had approached previously, who seemed only interested in making a ridiculously huge margin and never valued the items anywhere near what they were worth. Thank you so much for helping me at a moment I really needed help.
My experience with Unbolted has been very positive, and I have found them to be a very professional set-up all round. I also felt their rates and total offering was by far the most attractive financial option for me, when compared to other similar options available to me at the time.
Kingston, Greater London
Excellent friendly service. I was able to contact an individual straight away on the phone and they would always get back to me promptly if I left a message. The online form was simple,clear and easy to use,making the whole process stress free.
A professional and discreet means of lending, with courteous and trustworthy service throughout. I can thoroughly recommend Unbolted.
Lyme Regis, Dorset
Extremely happy with the services provided by Unbolted. Prompt response and monies received . Would highly recommend.
The whole process is very straight forward and you are guided as you go along by constant updates. The interest rate is very good and you are told exactly what you will have to pay back. I would recommend this service to any of my friends or family and would definitely use Unbolted again.
Nantwich, Cheshire East
Very satisfied so far, hopefully redeeming will be just as straightforward. Team were always very helpful at all times and I would gladly recommend Unbolted's services, with some of the better interest rates around I think.
I would just like to compliment you all on your professional and indeed very friendly service. It certainly took the chill out of what most people perceive as a difficult situation. Very impressed!
Grove Park, London
Good Service. Smooth and fast so far, very attentive and pleasant.
Excellent customer service. Quick and prompt transaction. Pleasure to do business with.
An easy and good value loan.Great stuff. Quick and hassle free. Far lower interest than many other options.
Borrow directly from peer-to-peer lenders at low interest rates. Rep APR: 49.2%
A Short History of Gold - Part Two
How did gold make its transition from ornamental bangle to currency-influencing bullion? How did it become a form of monetary value to such an extent that, in the 21st Century, peer-to-peer lender Unbolted is happy to use it as collateral for a secured asset loan? Here’s our whistle-stop tour of ...Read more
A Short History of Gold - Part One
Gold coins and other forms of precious metal bullion are amongst the categories of personal assets used as collateral by peer-to-peer lender Unbolted for its unique secured asset loans. If you’ve ever wondered how it came to be that the collection of gold coins your Granddad left you in his ...Read more
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Chase and his partner Marie are talented young high-fliers working for the same bank. In their early thirties, their careers are progressing rapidly. This Christmas, they’ll be celebrating their fifth anniversary as a couple (they met at an office Christmas Party).
Chase has decided he wants to give Marie a ...Read more
My Community Bank and Unbolted
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Update from the National Asian Wedding Show
We are absolutely thrilled to be exhibiting at the National Asian Wedding Exhibition here at the Excel centre. The event kick started today at 11am, and we have already met so many wonderful people, including fellow exhibitors.
As well as taking through our financial services, including loaning against your gold ...Read more
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Leading peer-to-peer lender Unbolted is proud to be at the National Asian Wedding Show, the largest of its kind in Europe. Held on 10th and 11th October, the show provides inspiration, ideas and plenty of creative energy for prospective brides and their families. Now in its tenth year ...Read more
The Acid Test
So the saying goes, all that glitters is not always gold – but how can you really tell?
In order to secure cash quickly and securely, more often than not consumers are by-passing banks in order to obtain money more easily from peer-to-peer lenders, such as Unbolted. There’s ...Read more
Why Invest in Gold
When over 70% of the total United States reserves are gold, it explains why so many people still think gold of gold as an essential personal asset.
The following is an excerpt from the World Gold Council:
“Gold has unique properties as an asset class. Modest allocations to gold of ...Read more
Europeans investing in gold ETFs, bars and coins - highest since the second half of 2012
According to Alistair Hewitt, head of market intelligence at the Wold Gold Council, investment in gold ETFs, bars and coins in Europe is at its highest level since the second half of 2012.
This was partly driven by the re-emergence of the Greek Crisis.
Perhaps now is the time ...Read more
How to raise deposits for the first time buyer
Professional immigrants to the country, such as Indian software or banking professionals, can afford the mortgage on their desired houses yet they do not find it easy to get on the housing ladder. They arrive in the country with no savings and it takes them years to save up enough to afford ...Read more
Cash for Gold - Event at Fort Knox
Many famous individual investors such as Warren Buffet have questioned the value of gold in today's "modern" world. However, as per the World Gold Council findings the US Federal Reserve still holds 6,700 tonnes of gold, in 530,000 gold bars. It is down from its peak in ...Read more
The Types of Gold
Gold is a chemical element with the symbol AU. Its finesse is measured in karats. The upper scale is 24 for 100%, hence 24 karat gold is the purest gold there is. Thus 18ct gold is 18/24, which makes its purity 75%.
Most gold that is used for jewellery ...Read more