Easily Borrow Against Your Gold and Silver
Money Metals Capital Group (“MMCG”) can help with a line of credit that’s fast, easy, secure, and most of all, affordable. We are a full service precious metals company – family owned.
Do you own precious metals you would rather not sell, but need access to cash?
Money Metals Capital Group (“MMCG”) can help with a line of credit that’s fast, easy, secure, and most of all, affordable.
You were wise to stash away precious metals to meet your future financial needs. Now Money Metals Capital Group can assist you with those needs by providing a low-interest loan on your gold, silver, platinum, and/or palladium bullion coins, bars, and rounds.
We are a full service precious metals company — family owned. We have the knowledge and the resources to close and fund your loan in just a few days, all without you tapping the equity in your home or selling off any of your precious metals, stocks, bonds, or other assets!
Benefits of Your Gold & Silver Bullion Loan
Low Interest Rates
Low Interest Rates,
and Interest-Only Monthly Payments
Up to 75% Advance Rate
Up to 75% Advance Rate against Your Collateral Value
Quick Underwriting
Quick Underwriting Process, Fast Funding of Your Loan
Collateral is Stored Securely
Your Collateral
Is Stored Securely, Fully Insured
No Prepayment Penalties
No Prepayment Penalties
or Origination Fees
about
Money metals Capital Group
We are a full service precious metals company — family owned. We have the knowledge and the resources to close and fund your loan in just a few days, all without you tapping the equity in your home or selling off any of your precious metals, stocks, bonds, or other assets!
exclusive
Why Trust us with your collateral?
- All deposits are insured by Lloyd’s of London
- Our depository is a Class 3, the highest-rated.
- The vault is fully equipped with cameras, electronic security, and more.
- All collateral is segregated in its own deposit box
Want to get started with a Precious Metals Loan today?
Find out more info, apply online, or simply ask submit for an inquiry by clicking the link below.
Customer Reviews
“Money Metals’ industry leading loan program provides small business owners, like myself, the opportunity to invest in precious metals, and have access to capital. This combination provides their customers with the highest degree of consumer value and utility in the industry!”
Henry G.
faq
Frequently Asked Questions
What Happens if the value of my collateral falls?
We advance up to 75% against the value of your collateral (composed of precious metals coins, bars, and/or rounds). If the Loan-to-Value ratio rises above 85%, then you would need to pay down the loan balance to some extent — or send in more collateral. Meanwhile, if your collateral value rises, you can choose to increase your loan amount.
What are the costs involved?
Interest is billed in arrears on a monthly basis. Monthly payments are interest only – the loan is not amortized. We charge a $10 application fee, and there is no origination or early repayment fees on the loan. If you choose to keep your line of credit open in subsequent years, there would simply be a $100 annual renewal fee. You will incur a modest storage fee through Money Metals Depository.
Do I need a good credit rating?
No, there is no official minimum credit score to qualify… we do a “soft” credit check to see if there is a major history of collections and missed payments. (In rare circumstances, a poor credit history results in a modest increase in the interest rate.)
Why types of collateral qualify for a loan from Money Metals Capital Group?
Legal tender coins (minted of precious metals), along with tradable forms of bullion such as rounds and bars stamped with their weight and purity all qualify. Acceptable metals are gold, silver, platinum, and palladium. Rare or numismatic coins may be valued at their melt value strictly for purposes of collateral and borrowing limits.
How can I be assured that my collateral is safe?
All deposits are insured by Lloyd’s of London. Our highest-rated Class 3 depository is literally across the street from the county sheriff and city police in low-crime Eagle, Idaho. Because our depository is located in the United States, there are no customs declarations or inspections; no government officials of any type will be notified of or involved in your transaction. Our vault is fully equipped with video cameras, electronic security, 24/7 monitoring, and well-armed and trained security team. Your collateral is held in its own segregated deposit box, never co-mingled with anyone else’s metal; when your loan is paid off, you’ll get back the exact same items you used as collateral. Every shipment of precious metals in or out of our facility is packed or unpacked on video.
I have more questions, who can I call?
MMCG has helped many consumers learn more about precious metals loans. Our experts are standing by to answer any questions at 1-800-800-1865 (7:00 a.m. – 5:30 p.m. Mountain Time, Monday through Friday) You may also contact us using the inquiry form above.
Can I borrow against metals inside my retirement account?
As a general rule, you cannot borrow against metals held inside of a retirement account or metals held in allocated storage (such as VaultSecure).
Can I borrow to pay for personal expenses?
No, in the loan closing documents, you certify that you intend to use the proceeds for business and/or investment purposes and that you are not immediately using the loan proceeds to purchase additional precious metals.
How long does this take?
The whole loan process can conclude within a few days after you transfer your precious metals into a Money Metals Depository (MMD) account where they would be stored in our insured, Class 3 Vault in Eagle, Idaho. MMD stores on a completely segregated basis (meaning your holdings are kept physically separate, and you would receive the exact same metals back later). Your MMD storage fees cover the cost of secure, fully segregated storage and insurance costs — and are billed quarterly at the rates published at this link (your cost depends on the value of your holdings) — https://www.moneymetals.com/silver-gold-storage
Does Money Metals Capital Group accept rare coins, collectible, jewelry and the like?
In order to bring borrowers the lowest possible interest rates, only bullion coins, bars, and rounds such as those listed above are accepted as collateral; however, rare coins may be accepted as collateral based on the value of the underlying metal.
Why should I choose Money metals Capital Group to fund my precious metals loan?
If you ask your bank to accept your metals as collateral, you’re likely to be met with a blank stare. Storefront gold dealers may offer loans on your precious metals, but be prepared to pay pawnshop rates upwards of 40% per year. Other gold lenders may require you to store your metals outside the US – in Singapore, for example – exposing you to unnecessary risks and hassles. Money Metals Capital Group is an affiliate of Money Metals Exchange, recently named the best bullion dealer in America.