Crystal’s Gold Loan is a pawn-style product secured by gold, with amounts from 50 up to 50,000 GEL and terms of 1 to 36 months. Approval is based purely on the assessed value of the gold, so no income documentation is required.

Interest starts from 20% annually (effective rate from 22%), with no issuance or repayment commission. Gold is valued per gram according to its fineness, ranging from roughly 122 to 310 GEL per gram across the 375-958 fineness scale. Borrowers must be Georgian citizens or foreign residents.

What's good

  • No income proof required
  • No issuance or repayment commission

Trade-offs

  • Requires pledging physical gold
  • Amount capped at 50,000 GEL