Gold Loan | Credorra
Gold Loan

Your Gold. Your Cash.
Same Day.

Pledge your gold, get instant cash. No salary proof, no CIBIL check, no lengthy process. Highest per gram rate with lowest interest. Money in your account within 30 minutes.

Why Choose Us

Cash Against Gold, Made Simple

30-Minute Disbursal

Walk in with gold, walk out with cash. Or do it entirely from your phone — doorstep pickup available.

Highest Per Gram Rate

We compare rates across multiple lenders to get you the highest valuation per gram of gold pledged.

Lowest Interest

Starting from 0.49% per month. That's among the cheapest gold loan rates available anywhere.

100% Secure Storage

Your gold is stored in insured, bank-grade vaults with 24/7 CCTV and security. Fully safe.

No Salary / No CIBIL

No income proof, no credit score check, no employment verification. Your gold is your eligibility.

Partial Release

Release part of your gold by paying part of the loan. No need to close the entire loan at once.

Use It For

Quick Cash for Anything

No questions asked about why you need the money. Your gold, your cash, your choice.

Business Need
Medical Emergency
Home Renovation
Children's Education
Pay Off Debt
Wedding
Purchase
Travel
Eligibility

Do I Qualify?

Gold loan has the simplest eligibility of any loan. If you have gold — you're approved. That's it.

Indian citizen, aged 18 to 65 years
Gold jewellery, coins, or bars (18K to 24K purity)
Minimum 10 grams of gold (varies by lender)
Any ID proof — Aadhaar, PAN, Voter ID, or Passport
One passport-size photograph
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What Type of Gold Is Accepted?

Gold jewellery (necklaces, bangles, chains, rings) — most common and easiest. Gold coins — accepted by most lenders, must be 24K. Gold bars/biscuits — accepted but need original purchase invoice. Silver is not accepted for most gold loan products — only gold.

What We Don't Accept
Silver Platinum Diamond Stones embedded Toned gold Gold-plated items
Process

How It Works

1
Tell Us Your Need

Share how much gold you have and how much cash you need. Takes 1 minute.

2
We Pick Up Gold

Doorstep pickup or visit our partner branch. Gold evaluated on the spot in front of you.

3
You Get Cash

After valuation, loan amount transferred to your bank account within 30 minutes.

4
Repay & Get Gold Back

Pay EMIs and get your gold back on the last EMI. Or release parts anytime.

Why Us

Why Get Gold Loan Through Us?

Every gold loan provider claims the best rate. We actually compare and prove it.

Highest Per Gram Rate

We compare rates from 15+ NBFCs and banks. Same gold, same day — but you get ₹50-₹100 more per gram because we shop around for you.

Lowest Interest Rate

Starting from 0.49% per month. We negotiate to get you the cheapest rate for your gold value and loan amount.

Doorstep Pickup

Don't want to visit a branch? We arrange doorstep gold pickup with our partner — valuation happens in front of you, at your home.

Free Service, Always

No charges from us — ever. Not at application, not at disbursal, not at closure. Our fee comes from the lender, not you.

Your Gold Stays Safe

We only work with RBI-registered NBFCs and banks that follow strict storage guidelines. Your gold is sealed in a tamper-proof packet in your name, stored in bank-grade vaults with full insurance. You can visit and inspect your gold anytime during the loan period.

Gold vs selling gold: If you sell 10 grams of gold, it's gone forever. If you take a loan against 10 grams, you get ~₹75,000-₹80,000, pay ~₹1,000/month interest, and get your gold back when you repay. For a short-term need, a gold loan is always better than selling.
FAQ

Quick Questions

How much loan do I get against my gold?

Banks usually give 75-90% of the gold's market value. For example, if your 10 grams of gold is worth ₹80,000 at today's rate, you can get ₹60,000-₹72,000 as loan. The exact percentage depends on the lender and purity of gold.

What's the interest rate?

Starting from 0.49% per month (which is ~5.9% per annum). Rate depends on loan amount and tenure — shorter tenure usually means lower rate. We'll tell you your exact rate when you apply.

How is my gold valued?

Gold is weighed on a certified machine in front of you. Purity is checked using karat meter. Rate per gram is applied based on that day's market price. The entire process is transparent — you see the weight, purity, rate, and calculation before agreeing.

Can I release my gold before the loan ends?

Yes — partial or full release anytime. Pay the outstanding amount for the grams you want back, and those grams are returned to you immediately. No prepayment penalty with most of our partner lenders.

Is my gold safe with the lender?

Yes. Gold is sealed in a tamper-proof packet with your details, stored in an insured vault with 24/7 security. You can visit the vault and verify your gold anytime. On full repayment, the same packet is returned to you — untouched.

Do I need to be a customer of the bank?

No. You don't need an existing account. Just carry your gold and ID proof — that's all. Some lenders may ask for address proof, but it's minimal documentation overall.

What if I don't repay?

If you default beyond the grace period, the lender can auction your gold after giving you proper notice. There's no legal action beyond gold auction — no court case, no recovery agent harassment. That's why gold loans are considered the safest form of borrowing.

Can I take a gold loan on old/exchanged jewellery?

Yes. As long as the gold is genuine (18K-24K purity), it doesn't matter how old it is, where you bought it from, or whether it has a bill. Purity is tested on the spot — if it passes, you get the loan.

Need Cash Today?
Your Gold Has You Covered.

Highest rate per gram. Lowest interest. Doorstep pickup. Your gold stays safe. Free service.

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Disclaimer & T&C: Every price, interest rate, projected return, fee or charge shown on this website is only illustrative. All figures may be revised, withdrawn or replaced at any time without prior notice and do not constitute a binding offer. The only terms that will apply are those expressly set out in the final, duly executed agreement. Disclaimer & T&C: Every price, interest rate, projected return, fee or charge shown on this website is only illustrative. All figures may be revised, withdrawn or replaced at any time without prior notice and do not constitute a binding offer. The only terms that will apply are those expressly set out in the final, duly executed agreement.