Sovereigns, krugerrands and coins
Bullion coins and older sovereigns, priced against the live gold market rather than a flat scrap rate.
Pawnbroker loans against gold · City of London · Est. 2013
Borrow against your gold. Yours again when you repay.
Trinity makes pawn loans against gold — sovereigns and krugerrands, bars, and the jewellery gold in a drawer — from £500 with no maximum. Tested and weighed by specialists, insured door to door, held securely in the City of London, and returned to you exactly as you left it when you repay.
No credit checks. Nothing on your credit file. Offer the same day.
What is your gold item worth as a loan?
Tell us the carat and the weight, and send a few photos. A specialist prices it against the live gold market and comes back with an indicative offer the same day — at no cost, and with no obligation.
Step 1 of 2 · Your gold item
£60m+ lent since 2013Confirm Valued against the live market Funds within 24 hours FCA regulated · Ref 741896 Free insured collection
What we lend against
The gold we lend against
We lend against gold in every form people actually hold it — coins and bars bought as an investment, jewellery worn for years, and pieces that are broken or never worn again. Hallmarks help, but we test what we cannot read.
Bars and bullion
From single grams to kilo bars, with or without their assay certificates.
Jewellery gold
Chains, rings and bracelets — 9ct through 24ct, hallmarked or tested by hand.
Broken and odd pieces
Single earrings, snapped chains, the things you will never wear again. Gold is still gold.
What it costs to borrow
Priced below the high street, in writing
Your gold is tested for carat and weighed to a tenth of a gram, then priced against the gold market on the day — not a flat scrap rate set months ago. That means an accurate valuation and a competitive loan, at rates lower than the typical high-street pawnbroker.
Loan size
£500 upwards
Term
6 – 24 months
FeesNeeds confirmation
No arrangement fee
Credit file
No credit checks
Worked exampleAwaiting compliance
A £3,000 loan against 120g of 18ct gold, over 6 months
Amount borrowed£3,000
Term6 months
Interest£630
Total to repay£3,630
Representative APR51.1%
Illustrative only. Your own figures depend on the carat, the weight and the gold price on the day — you see them in full before you commit to anything.
How it works
Four steps. Your gold back at the end.
Step 01
Tell us about your gold item
Send the carat, the weight and a few photos. A specialist prices it against the live market and sends an indicative offer the same day.
Step 02
Send it to us, insured
Free, fully insured delivery — or bring it to our City of London office by appointment. Insured from the moment it leaves your hands.
Step 03
Accept the offer and get paid
Once we have tested and weighed it in person we confirm the valuation. Accept, and the money is with you within 24 hours.
Step 04
Your gold back at the end
Loans run for six months and can be extended. Repay early and you pay less, with no penalty. Your gold is returned exactly as you sent it.
Read the process in full, including what happens at the end of the term →
How we value gold
Tested, weighed and priced to the live market
Every piece is tested for carat and weighed on calibrated scales, then priced against the gold market that day. We do not glance at a hallmark and guess, and we do not apply a flat rate to everything that crosses the counter.
Tested, not assumed
Carat confirmed by test, whether or not there is a legible hallmark.
Priced to the live market
Valued against the gold price on the day, not a rate set weeks ago.
Weighed to a tenth of a gram
On calibrated scales, with the working shown to you.
Nothing sight-unseen
You see the valuation before you commit to anything.
Why Trinity rather than the high street
A pawnbroker for gold you intend to keep.
Cash-for-gold services buy your gold outright, and then it is gone. We don’t. A pawn loan is a loan — you keep ownership, we keep it safe, and you take it back when you repay.
Trinity
The high street
Your gold
Yours throughout — a loan, never a sale
Bought outright and melted
Valuation
Tested and weighed, priced to the live market
A flat scrap rate, weighed out of sight
Rates
Below typical high-street pawnbrokingNeeds substantiated APR
Higher headline APRs
Storage
Secure, insured storage in the City of London
Varies by branch
Credit file
No credit checks, nothing recorded on your file
May run credit checks
400+ five-star reviews of Unbolted, the FCA-regulated lender behind every Trinity loan.
Case study · Redeemed
A parcel of gold sovereigns, lent against for £6,400. Tested and weighed the same day, funds within 24 hours — redeemed three months later and returned coin for coin.
Piece18 gold sovereigns
Amount lent£6,400
Funds releasedWithin 24 hours
OutcomeRedeemed in 3 months
Illustrative case study — no identifiable people, no full customer names. Figures to be replaced with a real, consented case.
Gold FAQs
Asked, answered
No. This is a loan against it. You keep ownership throughout and take the gold back when you repay.
That is common, and not a problem. We test the carat rather than relying on a stamp.
No. It is held securely as it arrived, not melted, sold or broken up, and returned to you exactly as you sent it.
Free, fully insured delivery, insured up to £25,000 by Royal Mail Special Delivery. You can also bring it in by appointment.
Talk to us. Loans can usually be extended. If a loan is not repaid, the gold may be sold, and anything it makes above what you owe comes back to you.
No. There is no credit check and nothing is recorded.
An indicative offer the same day, and funds within 24 hours of us confirming the valuation.
Representative exampleVerbatim from compliance
Borrowing £3,000 for 6 months at 3.5% per month; total repayable £3,630; representative 51.1% APR.
Designed as a first-class element rather than small print — final wording inserted verbatim once signed off. Figures shown are illustrative.
Get started
Find out what your gold is worth
A confidential valuation, at no cost, with no obligation to proceed.
Value my gold itemOr speak to a specialist: 020 3567 1300 · WhatsApp