Get Gold Loans in 20 Minutes at Lowest Interest Rates
No credit checks — walk out with cash to finance your emergency needs. Because life does not wait.
15+
Years in the industry
10k+
Clients served
95%
Loan-to-value — highest in market
1800+
Customers every month
For 15+ years, we have made the process of loan against gold in Canada easy, accessible and flexible.
- 1.Bring in your gold - bars, coins, jewellery - anything works
- 2.We’ll assess your gold using our state-of-the-art XRF spectrometer
- 3.Depending on your gold’s purity and current market value, your loan amount will be decided
- 4.You will get upto 95% of your gold’s value as loan - WITHOUT ANY credit checks and at the LOWEST interest rate
- 5.We will safely store your gold using bank-standard security and insure it against uncertain events with no additional cost to you
- 6.Walk out with instant cash using your gold - in as little as 20 minutes!
GOVERNMENT APPROVED
INSTANT CASH
LOWEST INTEREST RATES
NO CREDIT CHECK
Why 10,000+ Canadians Choose SKN Financial for Gold Loans
SKN Financial understands your financial needs — from sending money to family abroad, to rent deadlines or buying a second home.
A gold loan, also known as a loan against gold, allows you to borrow money using your gold assets like jewellery, coins, or bars. While the gold is held as collateral, you retain ownership and can draw cash against it — and you get your gold back as soon as your repayment is complete. We've served more than 10,000 customers across Scarborough, Brampton, Toronto, and the GTA with no credit check, funds in as little as 20 minutes, and up to 95% of your gold's assessed value.
Fast Access to Funds
Get approved and receive your cash against gold jewellery within minutes. Pay online, through your bank, by phone, or via pre-authorized payment plans.
Fair & Transparent Rates
No hidden fees. No surprises. We clearly explain all costs before your loan begins.
Flexible Loan Options
Choose a plan that fits your needs, short or long term. Reduce your balance anytime and access a portion of your pledged gold as the loan decreases.
Get Cash at Max Value
We use professional appraisal methods to help you receive the highest possible value for your gold.
Your Gold Is Safe & Insured
Your gold is securely stored and fully insured, giving you complete peace of mind throughout the loan term.
Interest Statements Available
For eligible clients, we provide interest-paid statements that may be useful for income tax purposes.
Service in Multiple Languages
We assist clients in English, Hindi, Punjabi, Tamil, and Malayalam — explaining everything clearly in your language.
Built on Trust and Transparency
We believe in clear communication, honest advice, and putting our clients first at every step.
Why Choose a Gold Loan Instead of Selling Gold
A gold loan lets you retain ownership of your most valuable asset, while also helping you fund necessities quickly.
- ✓Retain ownership of your jewellery
- ✓Access funds immediately without credit checks
- ✓Get 95% of the value of your gold
- ✓Retrieve your gold once the loan is repaid
- ✓Fully insured and secure storage of your gold
What Our Clients Say
Experiences from clients who chose SKN Financial when they needed a fast, reliable gold loan in Canada.
GOLD LOAN CALCULATOR
* Repayment Terms: Flexible terms with minimum repayment period of 62 days and maximum repayment period of 10 years. No prepayment penalties.
* Annual Percentage Rate (APR): Ranges from 24% to 33%.
Example: A $1000 loan for 1 year at 24% APR results in $240 interest payable. An additional gold assessment fee will be applicable.
* Other Fees and Costs
Gold Assessment Fee: A non-refundable fee is charged for evaluating the gold
items used as collateral for the loan. Gold Bullion exempted.
Non-Sufficient Fund (NSF) Charges: $25 per NSF activity will be charged in case of non-repayment.
* Risks Involved: Failure to make the minimum payment can result in the default
of the loan, which may lead to loss of collateral. Make sure payments are made
on time as per the agreement to avoid default.
Find the Nearest Branch in Canada
Walk in at an SKN Financial branch nearest to you — Scarborough or Brampton — apply for an instant gold loan and walk out to confidently fund your needs.
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