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Do you have a financial need or commitment that you need to fulfill? Or do you have an emergency but you do not have the funds to pay for your needs? Credit In Time's 'Gold Loans' provides you with secured loans for flexible reasons, that you can apply for and get approved by securing your gold as collateral. You can spend the funds that you need, for various purposes while not having to worry about anything.

What is a ‘Gold Loan’?

A 'Gold Loan' is a type of secure loan that an individual takes to get funds from financial institutions, by using the borrower's gold as valuable collateral. The higher the value of the gold is, the higher the loan amount will be. India is one of the largest consumers of gold, and most of us have gold jewelry in some amount or the other. These golds that individuals owe are often kept away in lockers to ensure their security, which costs money as well. If you are low on credit and have gold this is one of the quickest, easiest, and one of most secured ways to get a loan.

Trusted Lending Partner

Apply for Gold Loan in 3 Easy Steps

Minimum and Maximum Period of Payment is 6 Months To 12 Months. APR Total Cost Of Loan Applicable Fees is 12% to 17%.

Request a loan

Please fill out the request form and submit details

Submit details to your relationship manager

You will receive a call from your relationship manager for KYC & Assessment

Get Money Instantly

After successful KYC & assessment of your ornaments, Loan Amount will be transferred directly to your Bank Account


As the name suggests this is the loan given against gold. It’s a secured loan that enables borrowers to pledge their gold in lieu of a cash loan. It enables people to utilize their gold assets instead of storing them in lockers. Customers usually go for this loan for short period to meet the requirement of their children’s education, marriage and other financial problems in the family.

For a gold loan, applicants should be aged above 18 years and should have gold that needs to be mortgaged with the bank.

The interest rate on your gold loan varies from one lender to another. Please enter your details on our Gold Loan eligibility page and view gold loan offers offered by various banks and private institutions.