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Dayaq

A loan against gold within an hour

Bring the gold to a branch and we test its fineness and weigh it in front of you. You get up to 85% of the valuation the same day, in cash or to your card. Pay interest monthly and the loan at the end, if you like.

Amount
₼100–20,000
Term
1–24 months
Annual rate
from 20%
APR
21.5–24.3%
Fee
None
Decision
1 hour
Apply onlinePayment schedule
Two gold rings on fabric

Who it is for

  • Anyone who needs the money today
  • People without a formal proof of income
  • Farmers and traders with seasonal income
  • Anyone who would rather not sell their gold

Interest monthly, the loan at the end

Each month you pay only the interest, for example ₼18.33 a month on ₼1,000 for 6 months. The loan itself is repaid with the last payment or on any day you choose, and the gold is handed back that day.

What it can pay for

  • An urgent expense
  • For a business
  • Seasonal costs
  • Family costs

Work out the payment

₼100₼20,000

1 months24 months

Monthly interest

₼18.33

Last payment ₼1,018.33Annual rate 22% · APR 24.4%Total to repay: ₼1,109.98

ApplyPayment schedule

Interest monthly, loan at the end. An estimate. The rate depends on the sum; the exact terms are in the contract.

Today’s gold price

Updated each working morning from the Central Bank’s gold price. Stones and craftsmanship are not counted.

as of 23 October 2026

FinenessPer gramLoan per gram
375₼77₼65
500₼103₼87
583₼119₼101
585₼120₼102
750₼154₼130
875₼179₼152
916₼188₼159
999₼205₼174

The fineness is stamped on the item: 585, 750 and so on.

Valuation

₼1,440

Loan up to

₼1,220

Apply for ₼1,220

Terms

Rate by amount

₼100–2,00022%
₼2,001–20,00020%
How you repay
Interest monthly, loan at the end · Equal payments
Interest-only months
None
Pledge and guarantor
Gold jewellery or bars, fineness 375 to 999. The items are kept in a sealed bag in our vault and insured by us. They are handed back at the same branch the day you close the loan.
How the decision is made
The fineness and weight are checked in front of you; it all takes 30–60 minutes. Gold loans are made at 6 branches: Baku, Sumgait, Ganja, Shaki, Lankaran and Guba.

Example. ₼1,000 over 6 months at 22% a year, fee none. Payments ₼18.33–₼1,018.33, total to repay ₼1,109.98, APR 24.4%.

Documents you need

  • ID card
  • The gold items (bring the jeweller’s certificate if you have it)
The full list of documents

Questions about this loan

How is the gold valued?

Each working morning we update the value of a gram for each fineness from the Central Bank’s gold price. Stones and craftsmanship are not counted, only the net weight of gold.

If I cannot repay on time, will my gold be sold?

Not at once. After the last payment date there are 30 days of grace in which you can pay the interest and extend the loan. A sale can only follow the procedure set by law, after written notice to you.

Can I take part of the gold back early?

Yes. You repay the share of the loan that item covers and take it back the same day. The rest of the gold stays pledged.

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