Frequently Asked Questions

How does the process work?

You ship your gold (with our labels and insurance) to our vault. Once received and authenticated, the Pay Plan is triggered and funds are sent. You make fixed payments and receive your gold back at the end.

What term lengths are available?

1-year (Prime + 5.5%), 2-year (Prime + 7%), and 5-year (Prime + 9%). All rates are fixed.

Where is my gold stored?

In RBC bank vaults under dual-control. Access requires both keys and is logged.

Do you check credit?

No. Eligibility is based on ownership of qualifying gold.

Where can I buy gold?

We recommend Kitco or AU Bullion in Canada for 1 oz and 1/10 oz sovereigns.

What happens if I miss a payment?

Written notice after the first month. After 60 days the gold may be liquidated to repay the lender.

Is this a bank loan?

No. Aureum Lend is a private matching and escrow service. Gold is not CDIC-insured.