A gold loan is a secured loan where you pledge gold items like jewellery or coins as collateral to obtain funds. Lenders appraise the gold's purity and weight to determine the loan amount. You could get up to 75% of your gold’s market value as loan. Repayment options for a loan against gold include bullet repayment, EMI-based repayment, partial payment, and more, each with pros and cons. Eligibility criteria typically requires you to be between ages 18 and 70 years and possess 18-24 carat pure gold, with necessary documents like identity proof and address proof. You could determine loan amounts, interest rates, EMIs, and total repayment amounts using a gold loan calculator. This tool may help you plan your finances accurately by taking gold weight and purity into consideration.