Gold Loan - Borrow Against Your Gold

Money Metals Capital Group’s Gold Loan program lets precious metals owners unlock cash through a revolving, interest-only line of credit secured by their bullion, without having to sell their gold or silver. The program is designed for business and investment uses, with advance rates and interest costs structured to resemble a commercial credit line rather than a pawn-style loan.

Online bullion buyers prefer Money Metals for ease of purchase, and the Gold Loan program extends that same practical approach to investors who already own precious metals and want liquidity without selling their holdings.

Interest rates and fees

Money Metals states that its current gold loan interest rate is below 10% per year, with the rate explicitly tied to the U.S. Prime Rate, so pricing moves as benchmark short‑term rates change. The company positions these rates as comparable to bank business credit lines and substantially lower than pawnshop‑type lenders or many other specialty gold lenders.

Interest is billed monthly in arrears, and required payments are interest‑only, meaning principal repayment is flexible and the line can revolve as long as the account remains in good standing. There is a small application fee of about 10 dollars, plus an annual renewal fee of about 100 dollars to keep the line open in subsequent years; there are no origination fees, prepayment penalties, or early‑termination charges. Storage charges for the collateral apply separately through Money Metals Depository at its published depository storage rates.

Loan size, collateral, and advance rate

The program is intended for larger, investment‑oriented borrowers: applicants generally must own at least 20,000 dollars in eligible precious metals to qualify, and the minimum loan size is typically 15,000 dollars, with more recent disclosures and news releases indicating a 25,000 dollar floor and availability in most U.S. states. Eligible collateral includes gold, silver, platinum, and palladium bullion coins, bars, and rounds (and certain bullion‑type jewelry purchased from Money Metals), while rare or numismatic coins are usually valued only at melt for lending purposes.

Money Metals will normally advance up to 75 percent of the current market value of the pledged metals, creating a conservative loan‑to‑value buffer. If adverse price moves cause the loan‑to‑value ratio to rise above about 85 percent, the borrower must either pay down principal or add more collateral to restore the margin.

Use of funds and structure

The line of credit is structured for non‑consumer purposes: borrowers must certify that loan proceeds will be used for business or investment needs, not for personal, family, or household spending, and they also agree not to immediately recycle funds into more precious metals purchases. The facility functions much like a secured business credit line, with the ability to borrow, repay, and re‑borrow up to the approved limit as long as collateral and margin requirements are met.

Collateral is shipped to and held at Money Metals Depository in Eagle, Idaho, in an insured Class 3 vault on a fully segregated basis, so each borrower’s specific bars and coins are stored separately and are returned once the loan is paid off. Underwriting is streamlined, typically involving a brief application, a soft credit check focused on serious delinquencies, and funding that, after metals are in depository custody, can generally occur within about 48 hours.