Bring your gold
Visit our store with the items you want assessed and your government-issued photo ID.
GOLD LOANS · AUCKLAND CBD
Borrow against your gold.
Understand your options.
Start with a free valuation. Discuss the amount available and review the fees and repayment terms before deciding.
GOLD LOAN FEE CALCULATOR
Calculate Your Monthly Fee
Enter your loan amount to see the applicable monthly fee. All amounts are in NZD.
Loan amount (NZD)
Estimated monthly fee
—Applicable monthly rate—
Amount borrowed—
This is a fee estimate, not a monthly principal repayment. Paying the fee does not reduce the amount borrowed. Your loan agreement sets the repayment terms and any other charges.
Monthly fee rates
| Loan amount | Monthly fee |
|---|---|
| $1 – under $1,000 | 35% |
| $1,000 – under $3,000 | 20% |
| $3,000 – under $5,000 | 15% |
| $5,000 – under $10,000 | 10% |
| $10,000 – under $50,000 | 8% |
| $50,000+ | 6% |
The selected rate is applied to the full loan amount. Estimate = amount borrowed × monthly rate.
Discuss your gold loan →UNDERSTAND THE COST
A monthly fee.
A separate loan balance.
The calculator estimates the monthly fee. Paying that fee does not reduce the amount borrowed.
Your agreement sets the repayment terms and any other charges. Ask the team to explain anything you are unsure about.
- Amount borrowed
- The loan amount agreed after your gold is valued.
- Monthly fee
- The applicable rate applied to the full loan amount.
- Repayment and collection
- Confirm the amount and timing required to reclaim your items.
HOW TO GET STARTED
From a valuation
to a decision.
Review your options
Discuss the valuation, loan amount, monthly fees and repayment requirements.
Decide whether to proceed
Payment can be arranged after acceptance and completion of the documentation.
BEFORE YOU VISIT
Bring your questions.
Leave with clarity.
Applicants must be 18 or over and bring valid government-issued photo identification. A loan offer depends on the valuation and agreed terms.
Questions worth asking
What will I need to repay, and when?
What happens if I cannot repay on time?
How are my items stored and returned?
Are there any other charges?
LET’S TALK
Your next step
starts in store.
Contact our team about your gold and the options available.
Find us in Auckland CBD.
62 Victoria Street WestAuckland CBD, Auckland 1010
Monday–Saturday · 10am–5pm
No appointment needed.
OUTSIDE AUCKLAND?
Talk to us before sending.
Check with our team whether the mail pack service is suitable for your gold loan.
LOAN TERMS AND COSTS
Understand your loan.
- Standard contractual repayment period: 3 months
- Principal and accrued unpaid interest are payable at redemption.
- Voluntary early repayment is allowed
- You may repay before the contractual due date. Interest is charged monthly on the original loan amount. Each started month is charged as a full month; interest is not calculated daily or prorated for a partial month. Repayment after 10 days attracts one month's interest; repayment after 40 days attracts two months' interest. Interest already paid is deducted from the amount still owing.
- Maximum repayment period: 12 months, including all extensions
- Paying one month's interest extends the contract by one month, up to a total of 12 months from the original loan start date. No extensions are available beyond this limit. The original principal and all remaining unpaid interest must be repaid by the final due date. Interest paid for an extension does not reduce the original loan amount.
- Maximum simple annualised interest rate: 420% per year
- Based on the maximum monthly rate of 35% multiplied by 12. The applicable monthly rate depends on the loan amount. Interest is calculated only on the original amount borrowed; unpaid interest does not earn interest.
- Other charges: $0
- No establishment, storage, administration or other charges.
Representative example: $500 for 3 months
At 35% per month, interest is $175 per month. Over the standard three-month term, total interest is $525. With no other charges, the total payable at redemption is $1,025: $500 principal plus $525 interest.
This example assumes no extensions and no earlier payments. Extensions increase the total cost; interest already paid is not charged again.
Early repayment examples
For the same $500 loan at 35% monthly interest, repayment after 10 days costs $175 in interest, making the total $675. Repayment after 40 days costs $350 in interest, making the total $850. These examples assume no previous payments and no other charges.