Gold-secured loan
Fast cash on simple terms, secured by your gold jewellery.
I want to borrow:
You pay:
569.47₼
monthly for 24 months at 32% a year
- Total repayment
- 13,667 ₼
- Total interest
- 3,667 ₼
- APR
- ≈ 38.6%
Commission: 1–3%. This is an estimate. Final terms are set after your application is reviewed.
Key terms
- Amount
- 100 – 100,000 ₼
- Term
- 3–36 months
- Annual rate
- 32–42%
- APR
- ≈ from 38.1%
- Commission
- 1–3%
- Age
- 22–60 years
Effective annual rate — the real yearly cost of the loan including the commission.
Collateral is kept in rented bank safes.
A gold-secured loan is one of the easiest options when you need money quickly. You pledge gold items — rings, earrings, chains, bracelets — for the term of the loan, and they are returned once it’s repaid. Because the collateral itself is the main security, the process is simple and decisions are fast.
Who it’s for
- people who need money urgently;
- anyone bridging a short-term cash gap;
- people who want to use the value of their gold without selling it;
- small business owners who need working capital quickly.
Key terms
- Amount: AZN 100 to AZN 100,000
- Term: 3 to 36 months
- Annual rate: 32–42%
- Commission: 1–3%
- Age: 22–60
- Repayment: annuity — equal monthly payments
Keeping your collateral safe
Collateral is professionally valued, stored in rented bank safes and checked regularly. Cash collection is handled confidentially.
How to apply
- 1Choose the amount, term and rate in the calculator.
- 2Apply online or go straight to a branch.
- 3At the branch your items are valued: purity, weight and condition are checked.
- 4Based on the valuation, terms are agreed, the agreement is signed and the money is issued.
- 5Once the loan is fully repaid, your items are returned.
What affects the final rate
Final terms are set after valuation and review. In general they depend on the value of the collateral, the loan amount and term, and your credit history.
Payment example
AZN 3,000 over 12 months at 32% a year comes to an annuity payment of about AZN 295.42, with about AZN 545.05 in total interest.
About FİFD
A 1–3% commission applies. It doesn’t change the monthly payment, but it raises the loan’s real cost, which is reflected in FİFD — the effective annual rate. On short terms the commission has a bigger effect on FİFD, so do check the FİFD shown in the calculator.
Useful tips
- Pay on schedule and avoid arrears.
- Keep your agreement and the collateral receipt.
- Borrow only what you can repay.
How to keep the cost down
- Choose the shortest term whose payment still feels comfortable — the shorter the term, the less interest you pay.
- Borrow only what you really need.
- Pay on time — it also strengthens your credit history for future applications.
- When you can, repay part of the loan early: interest is charged on the outstanding balance, so your costs fall. Check the terms before signing.
- When comparing offers, look at FİFD rather than the headline rate.
Our branches
You can apply online or visit any Finex Kredit branch. Our head office is at the Chinar Park Business Center in Baku. In the regions, our branches in Sumgait, Gabala, Shamkir, Masalli and Goranboy are open on weekdays from 09:00 to 18:00. See addresses and the map on the “Branches” page.
Questions? Call +994 12 311 41 45 or write to us through the contact form on the website.
Need a loan?
Estimate your payment and apply online in 2 minutes.
Gold-secured loan: faq
Didn’t find your answer? Call or write to us.
Gold jewellery is usually accepted — rings, earrings, chains, necklaces, bracelets. Whether a specific item is accepted is decided during valuation at the branch.