Compare
Five Ways to Handle This. We Are One.
Borrowing wins fewer of these rows than you would expect from a lender's website. That is deliberate — the point is to get the decision right, not to win it.
No credit check and no obligation. If borrowing is the wrong answer for your situation, you will be told that first.
The five options
Selling Outright vs. Borrowing
The straight comparison, with selling given a fair hearing. It wins on more rows than a lender usually admits.
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Pawning It vs. Borrowing Against It
Both lend against metal. The similarity ends at the advance rate and the interest, and pawn genuinely wins on speed and access.
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Selling Now, Buying Back Later
The plan almost everyone has, and the one almost nobody costs out properly.
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Selling Half vs. Borrowing on All of It
The sensible-feeling middle option. Worth comparing properly, because the numbers land closer together than people expect.
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Waiting vs. Acting
The option nobody lists, chosen more often than either of the others, and occasionally correct.
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The short version
- Would you buy this metal back at today's price? If no, sell it. The rest of this site does not apply to you.
- Under $23,000 of metal, or a personal need? We cannot help, and a pawn shop or a counter can.
- Need the money in 48 hours? Sell it. A secured loan funds in days, not hours.
- Repayment depends on the metal price going up? That is a leveraged bet, not a loan. Size it accordingly or skip it.
- Business-purpose need, metal you want to keep, income to service it? That is the case borrowing was built for.
- Might the pressure resolve on its own? Then wait. Do not borrow against a problem you may not have.
Next step
Run it both ways before you decide.
No credit check and no obligation. Tell us what you hold and what the money is for, and if selling is the better answer for your situation you will be told that first.
Business purpose only. Not available in Nevada, Vermont, North Dakota and South Dakota.