English
简体中文
العربيّة
Our experts will assess your gold accurately and determine the eligible loan amount
When it comes to borrowing against your gold, accuracy, trust, and transparency are essential. At Heritage Credit Union, we offer a professional, secure, and highly reliable Gold Assessment Service designed to provide you with the true value of your gold ornaments, coins, and bullion.
Our team follows internationally accepted testing standards, using advanced tools to evaluate purity, weight, and valuation. Whether you are looking to finance personal needs, unexpected expenses, business requirements, or short-term liquidity, our gold-backed lending system allows you to access funds quickly and safely.
This service is designed to support members across North America—with localized valuations, compliance checks, and region-based loan policies to ensure your gold is handled with care and accuracy. Every assessment is carried out in a secure environment by trained professionals who prioritize confidentiality.
Once the evaluation is complete, you will receive a clear explanation of how your loan amount is calculated—ensuring complete transparency throughout the process. Our goal is to make the experience smooth, supportive, and financially beneficial.
We use high-precision equipment to determine the exact purity of your gold, ensuring fairness and transparency in valuation.
As soon as your gold is assessed, your loan amount is calculated, and funds can be approved the same day.
Your gold is tested, weighed, and valued in minutes using advanced technology for accurate results.
Your gold remains safely stored in our secure vault during the assessment and loan period.
Our assessment process is built to provide accurate, unbiased valuation while ensuring your gold remains protected at every step. Here’s how it works:
Walk into any participating branch where a specialized gold assessment unit is available. Our staff ensures privacy, security, and seamless processing.
Your identity is verified to comply with regional lending policies, including Canadian and U.S. KYC and AML guidelines.
We use XRF (X-Ray Fluorescence) and density-based testing to measure purity and composition without damaging your gold.
Gold is weighed on certified digital scales, and valuation is calculated using daily gold market rates. You will receive a breakdown of purity, weight, and loan eligibility.
Based on purity and weight, your loan amount is determined—ensuring fairness and transparency. You will always know how the number was calculated.
Once approved, your funds are disbursed through bank transfer, credit union account deposit, or cheque.
Our experts are here to help you unlock the financial value of your gold with confidence.
Book Your AssessmentYes. All gold is handled in a secure, private environment and stored in high-security vaults until the loan is issued.
The amount is based on purity, weight, and current market value of gold according to daily rate charts.
No. Our equipment uses non-destructive testing methods.
Most assessments are completed within 10–15 minutes depending on the quantity.
