What is GoldELOC?

GoldELOC (Gold-Equity Line of Credit) is a program that allows our members to borrow against the value of their precious metals without selling them. This means you can receive funds in paper dollars while still retaining ownership of your metals, which can be gold, silver, or Goldbacks.

What are the benefits of GoldELOC?

Get quick cash by leveraging valuable items in your account without selling. It’s a convenient way to access funds while maintaining ownership. It can also improve your credit score since it doesn’t require a credit check.

  • EASE

    Unlock Wealth

    Transform idle precious metals into working capital without giving up ownership.

  • ACCESS

    Flexible Borrowing

    Take what you need, when you need it, with just one active loan at a time.

  • LOW FEES

    Competitive Rates

    Enjoy industry-leading rates at just 2.4% APR, with simple monthly payments of 0.2% calculated on your borrowed amount.

  • SECURITY

    Secure & Transparent

    Every transaction is tracked independently in your portal. Your metals remain safely stored while you access their value.

How to start a GoldELOC?

We recommend consulting a qualified tax or financial advisor before initiating a GoldELOC to fully understand the potential implications, particularly around tax treatment.

  • STEP 1

    Login

    Access your member portal using your credentials.

  • STEP 2

    Navigate and Choose

    Navigate to Withdrawals → Redeem Metals for USD. Then choose the metal type and amount you wish to borrow against.

  • STEP 3

    Initiate a GoldELOC

    Under Preferred Tax Liability, select GoldELOC

  • STEP 4

    Review Terms

    Review the GoldELOC terms, including the APR and repayment rules, by selecting the “i” bubble next to the “Preferred Tax Liability Method”

  • STEP 5

    Confirm Transaction

    Confirm and submit the transaction

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Still feeling stuck?

Still feeling stuck?

We'll send you a video tutorial on how to apply for GoldELOC to get you started on the process of pawning on the portal.

UPMA Membership

Build trust and security with a UPMA account today. Know more

You can now earn rewards by sharing your unique referral link. The UPMA referral program offers 0.5% on Gold and Silver coins and 2% on Goldback investments made by your referrals