Interest Free Loans

Your First Loan FREE!

Life’s unexpected moments don’t wait—whether it’s an unforeseen expense or a temporary cash flow gap, our discreet luxury loan service ensures you have access to the funds you need, exactly when you need them.

Gold House is now offering first-time customers pawn loans worth up to $1,999 interest-free for the first 30 days. Our streamlined process ensures you receive the funds you need—swiftly and effortlessly—without the usual stress, and at no cost to you.

Taking out a pawn loan also won’t affect your credit rating because the loan is backed by the value of the asset used as collateral.

Simply bring your asset(s) in store or get a quote online today to unlock the value of your assets.

Assets we accept Get a quote

Loan process

Apply online

Complete our quote form by uploading a photo and description of your asset

Get a quote

Post appraising your luxury asset(s) one of our experienced team will come back to you with a confirmed quote for a loan.

Visit us in store or request a free courier pack

Bring your assets instore or request a free pack and courier your assets to us, insured upto $25,000 and tracked all the way.

Get cash on the spot

Upon acceptance of our loan offer and Gold House securing your asset(s), you’ll receive cash on the spot or the option of a same day bank deposit into your nominated account.

Get a quote

More Than Just a Free Loan – Key Benefits

Interest-Free, Maximum Value

At Gold House, our first-time customer interest-free loans are designed to protect your wealth. Borrow confidently, knowing you’ll pay nothing extra – making it the most cost-effective way to get the money you need, when you need it.

Clear Terms, Confident Planning

Enjoy fixed repayments with no hidden fees. Our transparent approach makes it easy to manage your finances, giving you full control with no surprises.

Faster Financial Freedom

With no interest added over the first 30 days, every repayment reduces your loan principal – allowing you to settle your loan sooner and regain financial flexibility faster.

Swift Support When It Matters Most

Whether it’s an urgent expense or a short-term opportunity, our interest-free loans provide quick access to capital – without the long-term cost.

Effortless, Worry-Free Lending

Say goodbye to the stress of mounting fees. With straightforward terms and zero added costs, our lending process keeps things simple and worry-free from start to finish.

Why Choose Gold House for Your Loan?

You don’t have to sell your asset

Pawn loans allow you to unlock the value in your asset(s) immediately without having to sell them.

Fast access to cash

Get paid on the spot, or via same-day bank transfer, for the agreed value of your loan without a lengthy application process

No credit checks needed

Pawn loans are based on the value of your luxury assets, not your credit score.

No impact on credit score

Defaulting on a pawn loan doesn’t affect your credit score. If you can’t repay, your asset will simply be sold to recover the loan costs.

Safe and secure

All pawn loans are held in vaults or strong rooms under 24/7 monitored security and surveillance.

Open and transparent

Gold House fee structures are available online, instore and at request, so all loans entered into are done knowing your full repayment requirements in advance.

Resolve short term cash needs

Most pawn loans are completed within 5 minutes and are typically for 1-3 months, so you can have peace of mind with an immediate cash resolution all without any long-term financial obligations.

Flexible repayment terms

At Gold House, we offer adjustable repayment periods, through extension or renewal options on your loan.

Discrete

Pawn loans are completely discreet and the information of your loan is held by the lender only, meaning no person or financial institution will have a record of such a loan.

No obligation loan offers

Asset appraisals for loans are based on the current market value of your luxury assets, can be negotiated and are obligation free.

We’re New Zealand’s most trusted luxury asset lender and have been helping New Zealanders unlock the value in their luxury assets for over 25 years.

Lending against your asset(s) at Gold House is straightforward and discreet. Simply bring your asset(s) into store for a free, no-obligation quote. Our expert staff will evaluate and appraise your assets and, if you accept our loan offer, will provide on-the-spot payment either via cash or same-day bank transfer.

Bring your assets in store or request a quote online to courier your assets to us, insured up to $25,000 and tracked all the way.

Storage of luxury loaned assets

All assets, in gold, diamonds, jewellery, watches and designer bags & accessories are stored in vaults or heavy-duty safes, under 24 hour, 7 days a week monitoring and camera surveillance.

All vehicles will be stored in secured storage facilities under 24 hour, 7 days a week monitoring and camera surveillance. During testing, drop off and collection of your vehicle it will be fully insured by Gold House.

ID Requirements

Eligibility criteria and strict ID guidelines apply.

You must be 18 and over to asset an asset with Gold House, and will need to provide one form of government issued Photo ID. For example, a valid driver’s license, a firearms license, an 18+ Card or a valid passport from any country.

Couriering Your Luxury Assets

Insurance on couriered assets is totally free and to the value of $25,000. If we cannot agree on a loan amount that suits you, we will ship your assets back to you, completely free of charge, tracked and insured all the way. No questions asked!

FAQs about loaning your assets through Gold House

How much can I borrow?

The amount you can borrow depends on the value of the assets you pawn, with no limit to the amount we can lend. At Gold House we also accept high-value assets such as cars, boats and memorabilia which could fetch larger instant loan amounts. The free loan promotion applies up to the value of $1,999 over the first 30 days.

How quickly can I access the money?

Upon accepting our loan offer and Gold House securing your asset(s), you’ll receive cash on the spot in hand, or via same day bank deposit into your nominated account.

Will this loan affect my credit score?

No. Taking out a pawn loan, even if you can’t repay it, won’t negatively impact your credit rating or ability to get credit from traditional lenders because the loan is backed by the asset you pawn, not your credit rating.

Do you check my credit history for the Free Loan?

No. Gold House pawn loans are secured by the value of an asset, not your credit history, and so we don’t need to conduct credit checks.

What happens if I can’t repay my pawn loan?

If you can’t repay your loan within the agreed period, the asset will be sold to recover the loan amount and fees. However, we understand that circumstances can change, so we offer extensions and renewals. You can discuss your situation with us, and we’ll do our best to accommodate you.

Can I get a pawn loan with a bad credit?

Absolutely! Pawn loans with Gold House don’t require credit checks, which makes them a great option if you have bad credit or no credit history. Your eligibility is based on the value of your assets, not your credit score.

How do I redeem my asset?

You can redeem your asset by repaying the loan amount plus any applicable fees. Payments can be made in-store or online for your convenience. Once the loan is repaid, your asset will be returned to you in the same condition as when it was loaned.

Can I apply online or do I need to visit a branch?

You can apply online through our quote form, visit our Auckland CBD store or call us on 09 666 8898 for more information.

How do I contact Gold House for more information?

You can visit our store, call us on 09 666 8898, or use the contact form on our website. Our friendly and knowledgeable staff are always ready to assist you with any questions or concerns you may have.

How does the Free Loan promo work?

Simply bring in an asset of value to our Auckland CBD store, and our expert team will be happy to provide you with an offer. We don’t need to do a credit check, and you get cash on the spot. As a first-time customer the first 30 days will be interest free. If repayment takes longer, interest rates starting from 5.99% will be applied from day 31. If you can’t repay, the asset is sold to recover costs.

Who is eligible for the Free Loan promo?

Any first-time customer who is aged 18 and over.

What assets can I loan?

We accept a wide range of luxury assets including jewellery (gold, silver, diamonds), watches, designer handbags, fine art, and more. If you’re not sure if your asset qualifies, contact us for a free appraisal. Our team is always ready to help you understand the value of your assets.

How do you determine the value of my asset?

The value of your asset is worked out based on its market value, condition, and demand. Our experienced appraisers use industry-standard tools and databases to make sure you get a fair and competitive offer. We consider factors like brand, model, age, and overall condition.

Is my loaned asset safe?

Yes, all loaned assets are stored securely in our facility. We have 24/7 monitoring, camera surveillance, and secure storage areas to make sure your valuables are kept safe. We treat your assets with the utmost care and respect, just as we would our own.