The Decision Framework
Before comparing options, ask yourself one question: what matters most? Your answer determines the best place to sell.
Maximum Payout
Online Buyer or Refinery
80-99% of spot value
Same-Day Cash
Pawn Shop or Jeweler
20-60% of spot value
Best Balance
Online Buyer (Offramp)
80%+ of spot, 48hr payment
Why Online Buyers Win for Most Sellers
Most people selling gold are not in a financial emergency. They have a few days. They want the best price. They want a trustworthy process. Online gold buyers check every box.
The economics are simple. Online buyers have lower overhead than brick-and-mortar stores. No retail lease. No display cases. No walk-in traffic costs. Those savings are passed to you as a higher payout percentage.
The best online buyers — like Offramp — also invest in technology that builds trust: XRF spectrometer assays recorded on video, live spot price calculators, insured shipping both ways, and transparent payout rates published on the website.
When a Pawn Shop Actually Makes Sense
Pawn shops are not always the wrong choice. If you need cash today — literally today — and cannot wait 48 hours for an online buyer to process your gold, a pawn shop is your fastest option.
Just go in with realistic expectations. You will receive significantly less than your gold is worth. That is the price of immediate liquidity. If you can wait even a few days, you will almost always make more selling online.
The Refinery Option: High Payout, High Minimums
Refineries pay the highest percentage of spot value because they are the final stop in the gold supply chain. They melt, refine, and sell pure gold to industrial users, jewelers, and mints.
The catch: most refineries have minimum quantity requirements, often 10 troy ounces ($30,000+ at current prices). If you have a few rings and a bracelet, a refinery will not take your business. For smaller quantities, an online buyer like Offramp gives you refinery-level service at consumer-friendly minimums.
Our Recommendation
For the vast majority of sellers, an online gold buyer offers the best combination of payout, convenience, and trust. You ship from home, your gold is tested with professional equipment, and you receive payment within 48 hours.
Offramp was built specifically for this use case. We pay 80%+ of spot value — more than double what most pawn shops offer — with free insured FedEx shipping and XRF spectrometer assay recorded on video.
You can also choose to receive your payout in Bitcoin, making Offramp the only gold buyer that bridges physical precious metals with the digital economy.
Get Started
Sell Your Gold with Offramp →
Free shipping, XRF assay, 80%+ of spot value.
Related Guide
Where to Sell Gold: All Options Compared →
Detailed breakdown of every selling option with pros and cons.
Tool
Gold Value Calculator →
Calculate what your gold is worth at today's spot price.
Stop Settling for Pawn Shop Prices
Offramp pays 80%+ of spot value. That is 2–4x more than your local pawn shop. Free insured shipping included.
Sell Your Gold Now