Skip to content
You've spent years building up your gold and silver holdings. Maybe you bought bullion and coins when the dollar looked shakier than it does today. Maybe you inherited jewelry and bars. The point is, you own real, tangible assets—the kind you can hold in your hand and know they're yours without depending on a bank's say-so.
But what happens when you need cash for something important? A business opportunity. A real estate deal. A major life event that won't wait. You could sell some metals, but that means losing the inflation hedge you've worked to build. You lose the security of owning something that governments and central banks can't devalue with a keystroke.
This is where a gold loan comes in. It's simpler than it sounds, and it might be exactly what you're looking for.
At , our Metals Equity Line of Credit (MELOC™) lets you borrow against bullion stored in our secure Depository. It’s a way to access liquidity while keeping your metals intact.
, Really?
A is straightforward: you put your bullion or coins up as security, and a lender gives you cash based on what those metals are worth right now. At Money Metals, we call it a Metals Equity Line of Credit—MELOC for short. The amount you can borrow is tied directly to your metals' current market value. Usually, you can access up to 75% of what they're worth.
Here's the critical part: you keep ownership of your metals. They don't leave your hands except to be stored securely in our Depository. You're not selling anything. You're not handing over your gold to some pawnshop owner who'll offer you pennies on the dollar. And you're not asking a bank—which probably wouldn't even take gold seriously as collateral anyway.
This matters because it means you retain the inflation protection you bought gold for in the first place. Your metals are still there, still growing in value as the currency loses purchasing power, still doing their job as a hedge against the kind of mess that wakes you up at three in the morning.
How It Works
The process isn't complicated. First, you transfer your metals to Money Metals Depository. We handle the valuation—we know gold, we know silver, we know what coins and bars are actually worth right now. Based on that valuation, we tell you how much you can borrow. Say you have $100,000 worth of bullion. You could borrow up to $75,000.
You get loan terms spelled out clearly. No surprises. No hidden language that becomes clear only when you're already committed. Once everything's approved—which usually happens fast, within 48 hours—you get your cash.
Then you pay back what you owe. You can make interest-only payments if you want to keep monthly costs manageable. Or you can pay down the principal whenever you have extra cash. There are no prepayment penalties. When your loan term ends, you can repay it all at once, or if you need the financing to continue, you can renew it.
That's it. No credit checks. No origination fees. No endless paperwork designed to trip you up.
Why This Matters for Your Situation
If you're someone who's built wealth carefully—someone who values independence and sees gold as insurance against the instability you've watched unfold over the past couple decades—a gold loan gives you something traditional lenders don't: respect for the fact that you own real assets.
You get cash without sacrificing your metals. You keep your hedge against inflation working while you're able to deploy capital for something immediate.
You get fair rates. We're talking about terms that compete with business credit lines, not the predatory stuff you'd encounter at a pawnshop. There's a reason people with significant assets avoid pawnshops entirely.
You get flexibility. Need the funds for a business expansion? A real estate investment? Paying unexpected taxes? A new opportunity? The cash is there, and you get to decide how to use it.
Your metals stay secure and insured in the Depository. You're not worried about them sitting in a safe at home where fire or theft are possibilities. They're vaulted properly, kept at the right temperature and humidity, and covered by insurance.
Understanding Loan-to-Value
The phrase "loan-to-value" just means the percentage of your metals' worth that you can actually borrow. Money Metals lends up to 75% because that balance makes sense: it gives you meaningful access to your wealth without pushing things to a point where a market drop would create problems overnight.
If gold is worth $2,000 an ounce today and you have 100 ounces, that's $200,000 in value. You can borrow $150,000. If gold falls to $1,800 an ounce, your $200,000 becomes $180,000. You're still good. You're not getting a margin call.
But gold can move sharply. If gold crashed to $1,600 an ounce, your $200,000 becomes $160,000—and now that $150,000 loan is more than 75% of your collateral. At that point, you'd need to either add more metals to the Depository or pay down the loan balance. It's protection for both you and the lender.
What Interest Rates Actually Look Like
Interest costs are reasonable. The rate you pay depends on factors like how much you're borrowing, how long you want to borrow it for, and what the lending environment looks like at that moment. But think about it this way: a $50,000 loan at 8% means you're paying roughly $333 a month in interest. That's manageable for someone in your position. Compare that to credit cards hitting 20%+ or to a pawnshop that might charge you 30% annually or more.
You're in control of how fast you pay it back. If cash flow is tight, you do the interest-only payments. When money gets better, you throw extra principal at it. No penalty for paying early.
The Risks You Should Actually Understand
Gold loans aren't risk-free, and honesty matters here. If your metals fall sharply in value, you could face a margin call. That's when the lender asks you to either put more collateral up or reduce what you've borrowed. It's not fun, but it's straightforward.
The loan proceeds are meant for business or investment purposes, not personal spending. That's a restriction you need to accept going in.
Not every state allows these products. You need to live somewhere they're available.
And if you default—if you can't repay—the lender can take possession of your pledged metals. That's the whole point of the collateral. So don't borrow more than you can reasonably repay.
But when you look at the actual mechanics—transparent terms, metals that stay insured, flexible repayment options—the risks are ones you can manage and understand. You're not in the dark about what could happen.
Getting Approved
To qualify, you need to own at least $20,000 in eligible metals. Gold coins, silver bars, bullion—the good stuff. You have to agree to store them at Money Metals Depository. The funds have to be used for business or investment purposes. You need to live in an eligible state and provide a government-issued ID plus basic financial information.
Credit checks? Not required. That's one of the core advantages. Some of the most financially responsible people out there have chosen not to rely on traditional credit systems. We understand that.
The application process moves quickly. You confirm or open a Depository account, transfer your metals securely, submit your application with ID and details, and get your valuation. From there, approval and funding usually take place within 48 hours. Most people go from application to cash in under a week.
Why This Works for You
At a time when inflation eats away at savings, when government policies shift unexpectedly, when banks seem more interested in their own survival than in serving customers, a gold loan offers something valuable: access to your own wealth without selling it.
You maintain your inflation hedge. You access the capital you need. You do it on transparent terms with no hidden fees and no attempts to lock you in with tricks buried in fine print.
If you've built a solid financial position and you want to stay in control of that position while being able to move when opportunities appear, this is worth understanding. It's built for people like you—people who've thought carefully about wealth preservation and aren't interested in games.
Ready to explore whether this makes sense for your situation? Call us at 1-800-800-1865, submit an inquiry online, or apply directly. The conversation costs nothing, and we'll walk through exactly how it would work with your metals and your needs.
Alternatives to Gold Loans
If you need liquidity, here are your other main options:
Loan Comparisons
Option
Pros
Cons
Notes
Sell Metals
Instant liquidity, no debt
Lose ownership, miss future gains
Open
Pawnshops
Fast, no credit check
25–50% APR, low LTV, lose collateral
Open
Bank Loans
Potentially lower rates
Strict requirements, no bullion used
Open
Credit Cards
Convenient, no collateral
20%+ APR, fees, high debt risk
Open
There are no rows in this table
Key Takeaway: Gold loans offer a middle ground — secure, fair, and built for bullion investors.
Sign Up to Get Started
Conclusion
A gold loan bridges liquidity needs with wealth preservation. Instead of selling metals or falling into pawnshop traps, you can borrow against bullion securely stored in Money Metals’ Depository.
With competitive rates, up to 75% loan-to-value, and no hidden fees, our program is built for investors who value both freedom and security.
👉 Ready to learn more? Call 1-800-800-1865, submit an inquiry, or apply online today.
Want to print your doc?
This is not the way.
This is not the way.
Try clicking the ··· in the right corner or using a keyboard shortcut (
CtrlP
) instead.