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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.
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.