Unlock the value of your gold without letting go of it
Gold has always been a symbol of wealth, security, and trust. At Clear Credits, we help you turn your gold into instant liquidity without selling it. Our Gold Loans are secured against your gold jewelry, coins, or ornaments, offering a quick, convenient, and reliable way to access funds for personal or business needs. With competitive interest rates, high loan-to-value ratios, and flexible repayment options, we make sure your gold works for you, safely and efficiently.
Why Choose Clear Credits for Gold Loans?
High Loan-to-
Value Ratio
Unlock the maximum potential of your assets. Get up to 90% of your gold’s total value, providing you with ample funds.
Low-Interest
Rates
Since gold secures this lending option, you can easily enjoy significantly lower rates than standard unsecured personal loans.
Instant Loan
Approval
Our minimal paperwork and efficient processing system ensure same-day approvals, giving you quick access to your funds.
Flexible
Repayment
Choose from monthly EMIs, a bullet repayment option, or interest-only plans, paying the principal at the end of the term.
Safe and
Secure
Your valuable gold is stored securely within our certified high-security bank vaults throughout the entire loan duration for your peace of mind.
How Gold Loans Work
How Gold Loans Work
Loan Form
Visit a Clear Credits branch with your gold for evaluation.
Gold Check
Our experts assess the purity and market value of your gold.
Offer Terms
Receive a tailored loan amount based on the evaluated value.
Fund Grant
Accept the offer, and the loan is disbursed instantly.
Loan Repay
Choose a repayment plan; once fully repaid, your gold is safely returned.
Eligibility Criteria
Ownership of Gold – Jewelry, coins, or ornaments in your name
Age – Minimum 18 years
Credit Score – Not required (secured loan)
Income Proof – Not required (secured loan)
Interest Rates & Fees
We keep our interest rates fair and transparent, ensuring credit remains affordable:
Interest Rate Interest Rate starts at 8.5% p.a. Your final rate depends on the specific loan amount and agreed-upon repayment tenure.
Processing Fees We charge a low fee of 0.5% – 1% of the loan amount. This simple, one-time charge covers all loan processing costs.
No Prepayment Charges Repay your loan early at any time without having to pay any additional fees or
financial penalties.
Documents Required
- Identity Proof – Aadhaar, PAN, Passport, or Voter ID
- Address Proof – Utility bills, rent agreements, or government-issued documents
- Photographs – Passport-sized photographs
How to Apply for a Gold Loan
01
Visit your nearest Clear Credits branch to submit your gold for assessment.
02
Our skilled experts will carefully assess the accurate value of your gold.
03
You will then receive a personalized and competitive gold loan offer.
04
Accept your offer to get instant fund disbursal directly
into your account.
05
loan is fully cleared.
Benefits of Gold Loans
- Fast Disbursal – Get funds instantly once your gold is evaluated.
- No Income Proof Required – Accessible even without salary slips or high credit scores.
- Flexible Repayment Options – Pay in EMIs or as a lump sum at the end of the loan term.
- Lower Interest Rates – Secured gold loans cost less than unsecured personal loans.
Where You Can Use Gold Loans
Medical Emergencies
medical care is needed.
01
Education
into your savings.
02
Debt Consolidation
lower-interest gold loan.
03
Business Expansion
with necessary capital.
04
Choose Clear Credits
At Clear Credits, a Gold Loan is more than just financing,.it’s quick access to funds, financial flexibility, and peace of mind, all while keeping your valuable gold safe. Turn your gold into opportunity, without letting go.