Need Cash Fast? Get a Loan Against Your Gold in Canada - Today.

Turn your gold into cash in as little as 15 minutes. No credit checks. No waiting. Just walk in, get appraised, and walk out with funds in hand.

 

Getting a Gold Loan in Canada Has Never Been Easier

No credit checks, no invasive paperwork, no long waits. Get a quick estimate over the phone and walk out with cash the same day.

Step 1: Call for a Free Estimate

Tell us what type of gold you have – jewelry, coins, bullion, or scrap. Our appraisers will give you an estimated payout range on the spot, based on live market prices.

Step 2: Quick In-Person Valuation

Bring your items to your nearest secure facility (Whitby or Burlington). We weigh and test your gold right in front of you using certified equipment for total transparency.

Step 3: Collect Your Cash

Accept the offer, sign a quick agreement, and receive your payout immediately. Your gold is sealed and locked in a bank-grade vault until your loan is cleared.

Your Gold's Safety Is Guaranteed - From Day One Until You Get It Back

The 4 Pillars of Trust

Bank-Grade Vault Storage

Your items are stored off the showroom floor in climate-controlled, highly secure vaults with 24/7 video monitoring and alarm systems.

Fully Insured While in Our Care

From the moment you hand it over to the moment it's returned, your gold is fully insured for its total appraised value.

Sealed in Your Presence

Transparency is everything. Once appraised, your items are placed in tamper-evident security bags right in front of you.

Guaranteed Return

The exact item you pledge is the exact item you get back the moment your loan is cleared. We hold your items - we never use or display them.

What You Can Bring In for all Gold Loan

Whether it’s jewellery, coins, bars, or even broken gold – we accept it all, no matter the condition.

Jewellery

chains, bracelets, bangles, pendants, and heirloom pieces in any gold tone – yellow, white, or rose.

Rings

Engagement rings, wedding bands, signet rings, and gold rings set with diamonds or other stones.

Coins

Maple Leafs, Krugerrands, Sovereigns, Eagles, and older collector coins.

Dental Gold

Crowns, bridges, and dental scrap – purity is usually high, so payout is too.

Bullion

Bars, ingots, and wafers from recognized mints, in any weight from a single gram up to a kilo.

Broken, Scrap & Damaged Gold

Single earrings, kinked chains, bent rings, tangled jewellery, or melted-down scrap.

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Gold Assessment with World-Class Technology

Get 100% and Instant Valuation with the World-Class Thermo Scientific™ Niton™ DXL Precious Metal Analyzer, powered by Advanced XRF Technology .

Why Canadians Choose GTA Gold Buyers Over Pawn Shops

The real question isn’t whether to sell – it’s where. Here’s how we compare.

The Metric GTA Gold Buyers Typical Competitors & Pawn Shops
Evaluation Method
XRF Spectrometer (Non-Destructive) by Certified Gemologists
Acid / Scratch Testing (Physically damages gold)
Testing Location
Done directly in front of you
Often taken to a hidden "back room"
Payout Metric (LTV)
Tied to Live Global Spot Price
Arbitrary lowball "shop minimums"
Security & Storage
Insured, Bank-Grade Vaults
Basic backroom safes or display cases
Hidden Fees
Zero (No appraisal or setup fees)
High setup and monthly "ticket" fees

Three Reasons Why Customers Choose Us

Traditional pawn shops and payday loans often come with high fees, hidden interest rates, and lack of transparency.

  • 100% Non-Destructive XRF Testing Competitors often use outdated “scratch and acid” tests that physically damage your jewelry and reduce its value. We use advanced XRF Spectrometer technology to instantly analyze the exact molecular purity of your gold without leaving a single mark.
  • True Market Value (Maximum Payouts) Typical shops rely on you not knowing the value of your items so they can offer low flat rates. Our valuations are tied directly to the live, to-the-minute global gold spot price – so you get the highest cash offer per gram in the region.
  • Tamper-Proof Chain of Custody You aren’t just handing your gold to a stranger. The moment your appraisal is finished, your items are sealed into a unique, tamper-evident security bag while you watch. They stay untouched and locked in an insured, climate-controlled vault until you return.

Our Customers Love Us & Keep Coming Back !

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 54.9197 reviews
4.9Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent197 reviews
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Wizard Cecil profile picture
Wizard Cecil
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay was very good helping me
Posted on Google Google
Myles Billionn profile picture
Myles Billionn
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Smooth transaction with ruby and her customer service was exceptional
Posted on Google Google
Keziah Dourado profile picture
Keziah Dourado
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Rupy was fantastic quick and able to help me immediately with my gold
Posted on Google Google
Taiwo Adeniyi profile picture
Taiwo Adeniyi
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay attended to me, very professional and sincere..
Posted on Google Google
Nadine Shillingford profile picture
Nadine Shillingford
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby is Very friendly and the process was smooth
Posted on Google Google
Brendan Farrell profile picture
Brendan Farrell
7 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Easy process Jay was fair with the price highly recommend
Posted on Google Google
Lori profile picture
Lori
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I dealt with Ruby today and she was extremely professional and helpful. I recommend.
Posted on Google Google
Sylvie Lapointe profile picture
Sylvie Lapointe
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby was very patient and explained everything 👍
Posted on Google Google
Family Victory profile picture
Family Victory
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby had great transparent customer service I was satisfied with the transaction.
Posted on Google Google
Nicole Spencer profile picture
Nicole Spencer
9 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby was pleasant to deal with snd professional with the transaction.
Posted on Google Google
Tyson profile picture
Tyson
10 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Awesome service and ruby was very helpful and transparent
Posted on Google Google
Sandra Spizzirri profile picture
Sandra Spizzirri
10 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby was patient and took her time weighinng even the tiniest item.
Posted on Google Google
Phil T profile picture
Phil T
12 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sold some old gold rings here recently. The entire process was quick, professional, and Jay gave me a very fair price. Would highly recommend to everyone.
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James G-J profile picture
James G-J
13 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay was great to work with, great pricing and customer service !
Posted on Google Google
Bridget Hunt profile picture
Bridget Hunt
14 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay was very helpful and the transaction was easy when I was selling some old jewellery. Highly recommend this place!
Posted on Google Google
Evan Davies profile picture
Evan Davies
15 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby helped me and made my visit very pleasant 5 stars
Posted on Google Google
A A profile picture
A A
16 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
+1
Ruby provided excellent customer service. She was very friendly, professional, and helpful throughout the whole process. She explained everything clearly and made the experience easy and comfortable. I really appreciate her patience and great attitude. I highly recommend Ruby and GTA Gold Buyers & Loans. Thank you, Ruby!
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Jayson Robinson profile picture
Jayson Robinson
18 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Good place and fair prices!!
Posted on Google Google
Toni Abrahams profile picture
Toni Abrahams
20 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service from Jay. MUCH Appreciated
Posted on Google Google
SHANNON STEWART profile picture
SHANNON STEWART
21 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service!

Visit Our Store

Walk Into a Secure, Locally-Operated Branch for a Face-to-Face Appraisal and Instant Payout

Burlington, ON

764 Guelph Line, Unit 2 Burlington, ON

Monday

10:30 am–7:30 pm

Tuesday

10:30 am–7:30 pm

Wednesday

10:30 am–7:30 pm

Thursday

10:30 am–7:30 pm

Friday

10:30 am–7:30 pm

Saturday

11:00 am–5:30 pm

Sunday

11:00 am–5:30 pm

Whitby, ON

965 Dundas St W Unit b 10, Whitby, ON L1P 1G8, Canada

Monday

10:30 am–8:00 pm

Tuesday

10:30 am–8:00 pm

Wednesday

10:30 am–8:00 pm

Thursday

10:30 am–8:00 pm

Friday

10:30 am–8:00 pm

Saturday

11:00 am–6:00 pm

Sunday

11:00 am–6:00 pm

Prefer to Sell Instead? We Buy Gold Outright for Top Dollar

If you have old, broken, or unused gold you don’t want to keep, skip the loan process entirely. We offer some of the highest instant cash buyouts in Ontario, based on live market spot prices.

Before you walk in

If anything’s unclear, call us, a gold expert will walk you through it with no pressure.

Will a gold loan affect my credit score or show up on my credit report?

No. A gold loan is fully secured by your gold, so there’s no credit check involved to qualify, and standard repayment isn’t reported to the credit bureaus the way a traditional loan would be.

Your payout is based on the current weight, purity, and live global spot price of your gold at the time of appraisal. Our appraisers will give you an estimate over the phone and confirm the exact figure in person using certified XRF testing.

Your gold is sealed in a tamper-evident bag in front of you, then stored in a climate-controlled, fully insured, bank-grade vault with 24/7 monitoring until your loan is repaid in full.

Terms are flexible, ranging from a minimum of 62 days up to a maximum of 10 years, with no prepayment penalties.

Rates typically range from 18% to 35% APR, depending on the loan amount. For example, a $1,000 loan at 24% APR for one year results in $240 in interest over the year.

No. We charge no gold assessment or appraisal fees — evaluations are always free. The only additional charge is a $25 Non-Sufficient Funds (NSF) fee if a scheduled interest payment fails to go through.

 Yes, terms can be extended within our overall repayment window (up to 10 years). Speak with one of our appraisers about your specific loan to review extension options.

Your rate is set within the 18%–35% APR range based on your loan amount, then applied to your principal to calculate the interest owed over your term — as shown in the example above.

Terms & Conditions

Got more questions? Contact us now




    Get a Free estimate. No obligation. We'll call you back to discuss your gold.