When you need to raise capital quickly and securely, a loan against gold offers one of the most reliable ways to unlock liquidity from an asset with universal market value. At Edinburgh Asset Finance (EAF), we specialise in high-value gold lending—focusing on bullion, gold bars, sovereigns, krugerrands, investment-grade coins and other premium gold items, rather than scrap or broken jewellery.

Our clients choose us because we provide a discreet, expert and ultra-efficient gold-backed lending service designed for individuals who require a premium alternative to traditional lenders. Whether you are searching for the best loan against gold near me, need fast release of funds, or want the guidance of specialist gold pawnbrokers, our approach delivers accuracy, speed and complete professionalism.

Unlike many gold pawnbrokers who deal primarily in small items, scrap gold or low-value pieces, EAF works exclusively at the higher end of the market. We offer minimum loans of £1,000, with no upper limit, and provide same-day decisions with rapid funding—often within the hour once your valuation has been confirmed.

What Types of Gold We Lend Against

We accept a wide range of investment-grade gold items, including:

Bullion Bars

  • 1g to 1kg bars from approved refiners (PAMP, Metalor, Umicore, Perth Mint, Royal Mint, etc.)
  • Ideal for larger loans

Investment Coins

  • Sovereigns
  • Britannias
  • Krugerrands
  • American Eagles
  • Maple Leafs
  • Philharmonics
  • Chinese Pandas

These are among the most common assets used for clients seeking the best loan against gold near me.

High-Purity Jewellery & Specialist Items

While jewellery is considered, we prioritise:

  • 22ct & 24ct gold pieces
  • Items with notable weight or provenance
  • Signed pieces (e.g., Cartier, Boodles, Tiffany)

We do not typically lend against small, broken or low-purity scrap gold.

Why Choose Us for a Loan Against Gold?

Specialist Gold Pawnbrokers Focused on Investment-Grade Assets

Our expertise lies in assessing:

  • Gold bullion bars (all major refiners)
  • Investment coins such as Sovereigns, Britannias, Krugerrands, Maples & Eagles
  • High-purity gold items and premium pieces with known provenance

We tend not to operate as scrap-gold pawnbrokers. Every valuation is performed using real-time spot pricing, market insight and our long-standing industry relationships, ensuring your loan against gold is based on accurate, up to date and fully transparent figures.

Minimum Loan of £1,000 – Ideal for High-Value Gold Holdings

Our service is designed for clients holding meaningful gold reserves. Whether you wish to:

  • Raise funds for business cash flow
  • Solve a short-term personal liquidity issue
  • Take advantage of a time-sensitive opportunity
  • Avoid selling long-term gold holdings

EAF offers larger, more flexible amounts than typical pawnbrokers gold services.

Immediate Valuations & Same-Day Payment

Looking for how much of a loan against gold you can obtain? We provide:

  • Fast remote pre-assessment from photos & descriptions
  • Immediate loan offers once purity and weight are confirmed
  • Payment issued as soon as the asset is handed to us

Funds are typically released the same day, within minutes of completing the paperwork.

Discreet, Private & Highly Secure Handling

Whether you arrange a meeting at our Edinburgh office or at a location convenient to you across the UK, we ensure:

  • Complete confidentiality
  • Secure handling of all bullion and coins
  • State-of-the-art vault storage during the loan term

Clients often comment that the experience is more comparable to a private banking appointment than a conventional gold pawnbroker near me service.

No Credit Checks or Intrusive Financial Questions

A cash loan against gold from EAF is secured solely on the value of your gold—not on your credit history. No credit checks. No bank statements. No intrusive affordability assessments.

This makes our service ideal for:

  • High-net-worth individuals
  • Business owners in need of quick liquidity
  • Clients who wish to avoid traditional bank loan against gold processes
  • Those who value speed, privacy and direct decision-making

The EAF Loan Process – Fast, Discreet & Highly Accurate

1. Initial Contact & Remote Valuation

Send us photos, weights, purity details or certificates. We provide an immediate estimate based on live gold pricing and current demand.

2. Confirmed Loan Offer

Once details are verified, we confirm your loan against gold UK amount instantly—usually within minutes.

3. Meet & Finalise the Loan

We can meet:

  • At our Edinburgh office
  • At your home
  • At a business environment
  • Or, for clients needing a loan against gold London, at a private location in the capital

We authenticate the gold, sign the loan documents, and secure the asset.

4. Immediate Payment

Funds are transferred immediately once we take possession. Most clients receive payment on the spot—no waiting, no delays.

5. Redeem Anytime

Simply repay the loan plus interest (only for the period used) and your gold is returned promptly and securely.

Why a Loan Against Gold Is Better Than Selling

Many clients prefer our service because it allows them to:

  • Retain ownership of their gold
  • Raise capital without selling long-term holdings
  • Avoid market dips
  • Access liquidity instantly
  • Maintain exposure to long-term gold price appreciation
  • Protect against any tax payable if selling their gold

A loan against gold allows you to access funds today while keeping your underlying asset intact.

Frequently Asked Questions

What types of gold items can be used as collateral?

We specialise in bullion bars, investment-grade coins and high-purity gold items. Jewellery can be considered, but scrap, broken or very small pieces are not suitable for our minimum £1,000 loan threshold.

Is the loan amount based on weight or craftsmanship?

For bullion and coins, valuation is based primarily on purity, weight and live market pricing. Crafted or signed jewellery may attract a higher figure, but intrinsic gold value forms the foundation of the loan.

Do I need proof of purchase?

No. Proof of purchase is helpful but not required. We authenticate all items using our own testing methods.

Can mixed-purity items be accepted?

Yes—provided they meet the minimum loan value. We test each item individually to confirm purity before issuing a final offer.

How quickly is payment issued?

Payment is typically issued immediately at the meeting once we take possession of the gold. Same-day funding is standard, with many clients receiving funds within minutes.

Contact Edinburgh Asset Finance today to arrange your private appointment.