Borrow against Gold

Use your gold to get an affordable short term loan.

The best gold loans 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 unbeatable 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 Unbeatable Unbolted Gold Loan for yourself

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Submit an application today

Valuing a Diamond

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.

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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!

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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.

Our Guarantee

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 to recover the debt.

What our customers say

Borrow directly from peer-to-peer lenders at the lowest rates. Rep APR: 49.2%

Reflections

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 ...

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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 ...

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Unbolted’s Midas touch delivers an unforgettable Christmas

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 ...

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My Community Bank and Unbolted

Day two of the National Asian Wedding Exhibition, and its already a hive of activity here in the ExCel centre.  We had the pleasure of talking to many members of the general public, who as well are planning big, exciting weddings, were also interested in our Precious Metals Analyser Gun ...

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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 ...

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How To Create Your Dream Wedding Now

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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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