Loan - Gold House

How pawn loans work

Gold House pawn loans allow you to unlock the value in your items immediately, without having to sell them. Pawn loans are an excellent solution for individuals and businesses with short term financial needs.

Gold House pawn loans do not require personal income or banking information nor are credit checks completed.

Lending amounts are based on the value of your item(s), with fees starting from 5.99%. All pawn loans are paid in cash or bank deposit, same day.

Bring your item(s) in store or get a quote online today

Assets we accept Get a quote

Loan process

Apply online

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

Get a quote

Post appraising your luxury item(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 items in-store or request a free pack and courier your items to us, insured up to $25,000 and tracked all the way.

Get cash on the spot

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

Get a quote

Why Loan with Gold House

You don’t have to sell your item

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

Fast access to cash

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

No credit checks needed

Pawn loans are based on the value of your luxury items, 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 item 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.

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

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

Open and transparent

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

Why Choose Gold House for your loan?

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

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

Bring your items in store or request a free pack through our online quote form and courier your items to us, insured up to $25,000 and tracked all the way.

Storage of luxury loaned items

All items, 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 loan an item 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 Items

Insurance on couriered items 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 items back to you, completely free of charge, tracked and insured all the way. No questions asked!

FAQs about loaning your items through Gold House

How does loaning work at Gold House?

Loaning your luxury items with Gold House is a fast, simple, and secure way to get cash. Simply bring in your luxury item to our Auckland CBD store, and we’ll offer you a loan based on what it’s worth. We don’t need to do a credit check, and you get cash on the spot. You have a set period to repay the loan plus fees to reclaim your item. If you can’t repay, the item is sold to recover costs.

What items can I loan?

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

How do you determine the value of my item?

The value of your item 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.

What happens if I can’t repay my loan?

If you can’t repay your loan within the agreed period, the item 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.

Is my loaned item safe?

Yes, all loaned items 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 items with the utmost care and respect, just as we would our own.

Can I get an online quote?

Yes, you can use our online quote form to get an idea of your item’s value before you bring it into our Auckland CBD store. Simply fill out the form with details about your item, and one of our appraisers will get back to you with an estimated value. This will help you make an informed decision before you visit one of our stores.

How much can I borrow?

The amount you can borrow depends on the value of the items you loan. Pawn shops typically lend a percentage of the appraised value, with higher value items like cars, boats, or jewellery able to fetch larger instant loan amounts.

Can I get a loan with 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 items, not your credit score.

What are the costs of loaning?

Our fees start from 5.99% per month. The exact cost will depend on the loan amount and duration. We’ll give you a clear breakdown of all fees upfront, so there are no surprises. You can also discuss repayment items with us to find a plan that suits your financial situation. You can learn more about our pawn loan fees here.

How do I redeem my loaned item?

You can redeem your item 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 item will be returned to you in the same condition as when it was loaned.

How do I contact Gold House for more information?

You can visit our store, call us at 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.