Do you need an injection of cash for your personal or business needs? Have the traditional banks turned you down for a personal loan? At Gold House, we allow you to unlock the value in your assets immediately without having to sell them, and offer personal lending options designed to suit your financial needs. 

Whether you need additional cash for a new purchase, or simply to help cover unexpected costs, personal lending from Gold House can be a quick and accessible option. By unlocking the value of your belongings, you can access instant cash via pawn loans – without the hassle of credit checks or lengthy approval processes that come with dealing with a big, impersonal financial institution.

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How personal lending works at Gold House

If you need same day loans for unexpected costs, lending for debt consolidation, or fast cash for a surprise purchase, the expert team at Gold House is here to help you unlock the value of your luxury assets. Our four-step lending process is simple, transparent, and designed with your convenience and security in mind:

Select your assets

Select the assets you’re willing to use as collateral for your personal loan. This could include designer handbags/accessories, gold and diamond jewellery or luxury watches. If you’re looking for a high value asset loan, we also lend against luxury vehicles, fine art and collectables/memorabilia.

Get an appraisal

 Visit our luxury storefront in Auckland CBD for your assets value to be assessed by our inhouse experts. You’ll receive an instant loan offer based on this appraisal. Alternatively, you can get an initial estimate online using the estimate form on our website.

 

Receive instant cash

If you accept our offer, we’ll pay you via cash or bank transfer instantly. No waiting or complicated paperwork.

Repay the loan

You’ll have a set timeframe to repay your loan plus the transparent cost of borrowing. Once your loan is repaid, you’ll get your assets back – simply and discreetly.

 

Simply bring your assets of value into our luxury storefront in Auckland CBD and our in-house experts will assess them to determine their loan value. We lend against almost anything of value with no credit checks and no hidden fees.

Unlock the value in your assets


Whether you need a small loan of $500 or a larger amount exceeding $100,000, we’re here to help. We even offer high-value asset loans against your luxury car, fine art and collectables/memorabilia. 

Don’t let impersonal financial institutions stand in your way of getting the personal/business lending you need. Visit Gold House today and discover how easy it is to unlock the value of your luxury assets. Read our pledge agreement or FAQs to find out how we put you first!

Get a quote

Why choose Gold House for personal lending?


Lend against almost anything

We accept a wide range of assets as collateral for personal loans, including designer handbags/accessories, gold and diamond jewellery or luxury watches. If you’re looking for a high value asset loan, we also lend against luxury vehicles, fine art and collectables/memorabilia.

Get paid the same day

We will pay you via cash or bank transfer on the spot, once our offer has been accepted.

No hidden fees

Our transparent pricing means you’ll never be surprised by unexpected costs for your personal loan.

Our Pawn Price Promise

We promise to beat any competitor’s pawn loan amount that you have been quoted, offered, or loaned on your assets.

No credit checks!

We don’t perform credit checks, so your past financial history/transactional spending won’t hold you back. No small print to worry about either!

Safe, fast, and secure

Our process is designed to protect your privacy and ensure your transactions and pawned assets are kept secure.

Trusted by Kiwis

Gold House has been trusted by New Zealanders for personal lending for over 25 years. We are the first choice when buying, selling or lending your luxury assets.

Unlock the value in your assets

Whether you need a small loan of $500 or a larger amount exceeding $100,000, we’re here to help. We even offer high-value asset loans against your luxury car, fine art and collectables/memorabilia. 

Don’t let impersonal financial institutions stand in your way of getting the personal/business lending you need. Visit Gold House today and discover how easy it is to unlock the value of your luxury assets. Read our pawn price promise or FAQs to find out how we put you first!

Get a quote

FAQs about pawn loans for personal lending

How does personal lending with pawnbrokers work?

Pawn loans are a simple process where you use your personal belongings as collateral for a same day loan. Bring your luxury assets to a pawnbroker such as Gold House, and we’ll assess their value and offer you a fair and transparent loan amount. If you accept, we’ll pay you on the spot. To get your assets back, simply repay the loan plus the cost of borrowing within a specified timeframe.

Can I get a personal 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 poor transactional history. Your eligibility is based on the value of your assets, not your credit score.

What is the meaning of personal lending?

Personal lending is when you borrow money for personal use, such as covering unexpected expenses, lending for debt consolidation, or buying something. Pawn lending is a form of personal lending that doesn’t require traditional credit checks.

How much can I borrow?

The amount you can borrow depends on the value of the assets you pawn. Pawnbrokers typically lend a percentage of the appraised value, usually ranging from 25% to 60%. Higher value items like luxury cars, boats, jewellery, or fine art could fetch larger loan amounts.

How do I lend against my assets?

Simply collect the assets you want to use as collateral and bring them to a reputable pawnbroker such as Gold House. We will evaluate your assets and present you with a fair and transparent loan offer. If you agree to the terms, we’ll pay you instantly.

Can I get a pawn loan online?

While some pawnbrokers offer online loan applications, most transactions still need you to visit a physical store for the item to be appraised in person, and for you to receive your cash. However, online platforms can be a convenient way to research pawnbrokers and get an initial estimate before you visit Gold House in person.

How much will a pawn loan cost me?

At Gold House we are open and transparent about the fee structure of all pawn loans. We always show you and explain the principal amount lent and the redemption fees on all pledge agreements. Read more on our pawn calculator page.

How do I know my pawned items will be kept secure?

While your pawned assets are under Gold House’s care, they will be stored securely in our high-security vault, or at our off-site storage facility under 24 hour, 7 day a week monitoring and camera surveillance.