Like other loans, gold loan can also be repaid in installments.  Your gold will be returned to you when the entire loan amount is returned.  Since the loan is taken from banks or finance companies, there is no risk of gold being lost or adulterated.  However, you must keep in mind that take a gold loan from a trusted bank or finance company only so that there is no risk of any kind of danger.  How much loan against gold will be available will depend on the current gold rate and the purity of the gold.