How pawn loans work

Gold House pawn loans allow you to unlock the value in your assets 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 asset(s), with fees starting from 5.99%. All pawn loans are paid in cash or bank deposit, same day.

Assets we accept Get a quote

Pawn 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 pawn 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 pawn 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.

Storage of luxury pawned assets

All pawned 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 pawned 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 pawn 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 pawn 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 pawning your assets through Gold House

How does pawning work at Gold House?

Pawning your luxury assets with Gold House is a fast, simple, and secure way to get cash. Simply bring in your unwanted luxury asset 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 pawn loan plus interest to reclaim your asset. If you can’t repay, the asset is sold to recover costs.

What assets can I pawn?

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.

What happens if I can’t repay my pawn loan?you determine the value of my asset?

If you can’t repay your loan within the agreed period, the pawned asset will be sold to recover the loan amount. 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 pawned asset safe?

Yes, all pawned 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.

Can I get an estimate online?

Yes, you can use our online estimate form to get an idea of your asset’s value before you bring it into our Auckland CBD store. Simply fill out the form with details about your asset, 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 assets you pawn. Pawn shops typically lend a percentage of the appraised value, with higher value assets like cars, boats, or jewellery able to fetch larger instant loan amounts.

Can I get a pawn 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 assets, not your credit score.

What are the costs of pawning?

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 terms with us to find a plan that suits your financial situation. You can learn more about our pawn fees here.

How do I redeem my pawned asset?

You can redeem your asset by repaying the pawn 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 pawned.

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.

Gold House are proud members of the National Pawnbrokers Association of New Zealand

021 090 19436
(Messaging Only)

09 666 8898

contact@goldhouse.co.nz

101 Victoria Street West,
Auckland CBD, 1010

Open 9am to 5pm,
Monday to Sunday