-0.01%
+1.00%
Unlock Instant Liquidity Without Selling A Single Ounce
Use your vaulted precious metals as collateral to access a cash loan directly to your bank account. No credit check. No selling. No losing your position.
Up to 75.00% LTV
No credit check
Cash in 48 hours
Metals stay yours
Loan Calculator
You Can Borrow
$75,000
75.00% LTV of your holdings
Interest Rate
5.90%
Per Annum
Est. Monthly
$6,681
Repayment
Total Interest
$5,175
Over Term
Total Repayable
$80,175
Principal + Interest
Rates shown are indicative. Final rate depends on collateral composition and loan term. No credit check required.
5.90%
From per annum · Collateral-backed
No credit check · No impact on credit score
-
75.00%
Maximum LTV
-
48h
Funds To Your Bank
-
3 - 24
Month Terms
-
$5,000
Minimum Loan
How Metal-Backed Borrowing Works
Four steps from vaulting your metals to having cash in your bank account, typically within 48 hours.
Vault Your Precious Metals
Purchase metals on the platform or ship in existing holdings. Everything goes into our secure depository.
Submit Loan Application
Choose your loan term, requested amount (up to 75.00% of metal value), and disbursement bank details.
Fast Collateral Verification
Our admin audits the vaulted metals and locks the collateral values based on live API spot rates.
Funds Disbursed
Your cash is sent via ACH or wire transfer. The locked metal continues to belong to you and appreciates in value.
Your Metals Become Your Collateral
You do not need a credit score, income verification, or employment history. Your precious metals held securely in our insured vault are the only collateral Gold Moola needs. The value of your holdings determines how much you can borrow.
-
All four metals accepted as collateral: Gold, Silver, Palladium, and Platinum
-
Metals remain in the vault and stay fully insured at market value throughout the loan
-
You retain legal ownership of your metals at all times — they are never sold
-
Loan value is calculated daily at live spot prices for the most accurate LTV
Your Vault Holdings
Active · Insured
|
$246,711 | |
|
$188,253 | |
|
$42,789 | |
|
$53,105 | |
|
|
$28,440 |
Total Portfolio Value
$559,298
Eligible to Borrow (75.00%)
$419,474
100% Insured · Audited Monthly · Segregated Storage · Legal Title: Yours
How Gold Moola Funds Your Loan
Gold Moola acts as the bridge between institutional capital and you. We borrow against your metals from institutional lenders at a lower rate, then loan that same capital to you at a competitive rate. The difference is our margin - fully transparent and disclosed upfront.
-
Gold Moola uses your vaulted metals as collateral with institutional lenders to raise capital
-
We borrow from banks at a lower institutional rate typically 3–4% p.a.
-
We loan that capital to you at a competitive rate from 5.90% P.A. the spread is our revenue
-
Your rate is locked at origination no variable rate surprises during your loan term
How The Money Flows
You — The Investor
Vault metals as collateral · Apply for loan
Gold Moola
Borrows from bank at ~3–4% · Loans to you at 5.90%+
Institutional Bank Lender
Loans capital at ~3–4% p.a. against metals collateral
Gold Moola's Revenue = The Spread
We borrow at ~3–4% and loan to you at 5.90%+. The difference typically 1.9–2.9% is Gold Moola's gross margin. Your rate is fixed at origination.
Cash In Your Bank Within 48 Hours
Once your loan is approved, funds are deposited directly to your linked bank account typically within 48 business hours. You repay monthly over your chosen term. When you repay in full, your metals are immediately released from collateral.
-
Funds deposited to your bank within 48 business hours of approval
-
Monthly repayments fixed schedule, no surprise changes mid-term
-
Pay off early at any time no early repayment penalty
-
Metals released immediately upon full repayment no waiting period
-
Metal price appreciation during the loan period is fully yours to keep