Lear Capital
Overall Satisfaction Rating
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  • 1 stars
Based on 965 ratings submitted in the last year

Lear Capital

ConsumerAffairs Accredited Brand

Since 1997, Lear Capital has been one of America’s leaders in precious metals investing with $3 billion in trusted transactions. Our mission is to ensure investors maintain a diversified strategy as we provide the tools needed to buy, sell and trade bullion, rare coins, and physical gold and silver - all backed by an “Investor-Friendly Service Guarantee”.

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Lear Capital provides updated spot pricing, informative staff and quick home delivery. Though the company charges annual fees to store metals, consumers can trust their investments are secure in the Delaware Depository.


  • Experienced provider
  • 30-day price guarantee certificate
  • Physical possession and liquidation available


  • Annual fees to store and secure metals

About Lear Capital

Lear Capital helps consumers diversify their investment portfolios with precious metals like gold, silver, numismatic coins and precious metal IRA accounts. The company provides its customers with a real-time investor relationship providing market data, insights and price notifications to help protect and grow investments. In total, Lear Capital has completed over $3 billion in trusted transactions.

To help its consumers make informed decisions, Lear Capital provides real-time guidance and access to daily and weekly updates. The company provides email alerts on real-time data for the price of gold, silver, platinum and palladium pieces.

Other features include numismatic rare coins offerings, market charts and price notifications. Numismatic rare coins are an inflation-resistant metal with a long-term record of profitability. These coins let consumers feel confident in their decision to pursue the options from Lear Capital’s rare coins section. Lear also gives you the ability to purchase precious metals at any time in the company’s online store, whether it’s 7am or after midnight.

For consumers who want flexibility in their retirement plan, Lear Capital can assist you set up a precious metals IRA.

To help with your investment knowledge, Lear Capital provides a coin encyclopedia that displays all American coins and their history. The company can assess the value should you choose to liquidate your gold coins, even those from consignment and auctions.

401k vs. IRA: The IRA Advantage with Lear Capital

Establishing a precious metals IRA with Lear Capital is a fast, easy and secure way to diversify your portfolio. To begin, a dedicated account team member walks you through the simple application process, which takes about 10 minutes to complete. Once the application is processed and approved, your account is set up within 24 hours.

Lear Capital reaches out to your current IRA custodian on your behalf to arrange for the tax-free rollover of your monies. The funds are transferred via bank wire and deposited into your precious metals IRA account.

  • Lear Capital security: All metals are stored in an IRS-approved vault with Delaware Depository. The metals are backed with a comprehensive insurance policy from one of the oldest insurance providers, Lloyds of London. Lear Capital offers a three-step price advantage guarantee for every transaction, which provides each customer with a written account agreement, a phone confirmation and a written confirmation. 
  • Lear Capital fees: Consumers who open a precious metals IRA pays an annual fee of $160. This fee covers payment for storage, insurance to protect metals, quarterly financial statements and 24/7 access to an online account for viewing portfolio performance.  

Lear Capital cost

Pricing varies, depending on which precious metals you are interested in.

Gold coins$455 - $1,353
Silver coins$18 - $14,000
Premium coinsPricing varies

Lear Capital accepts cash, personal checks, money orders, wire transfers and credit cards. After a purchase, Lear Capital guarantees product shipment within 15 to 17 business days, though items usually ship in one week. Gold orders over $10,000 receive free shipping.

Lear Capital FAQ

Which coins are IRA eligible?
Eligible coins include gold and silver coins like Proof American Eagle, Gold Canadian Maple Leaf, 2019 Gold Orca, Silver Canadian Maple Leaf and 2019 Silver Orca. A full list of eligible coins can be viewed on the Lear Capital website. Gold bullion bars that are .995+ fine and silver bullion bars that are .999+ fine are eligible, as well.
How can I track the performance of my portfolio?
The company’s partnership with IRA custodian Self Directed IRA Services, Inc. offers a secure, easy to navigate website with 24/7 online access to your portfolio performance. Lear Capital also provides quarterly statements that can be mailed directly to your home address.

Do we recommend Lear Capital?

We believe partnering with Lear Capital to diversify your investment portfolio is a smart choice. Lear Capital creates a real-time investor relationship with its customers, providing market data, insights and price notifications to help protect and grow investments for clients nearing retirement or want to avoid sharp market fluctuations.

1016 Lear Capital Consumer Reviews

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4 featured reviews
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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: July 22, 2019

As a new customer to the precious metals market I called Lear Capital to inquire first before ordering anything. I must say that I was not satisfied with that experience, I was looking to be educated on what is good to buy, how it should be handled and/or stored, and just some general information on the varying options. I got no such thing, the answer I got was “gold is just gold, you just keep it”. Thanks **. I decided to make the purchase on my own online as obviously I wasn’t receiving any help on the phone, that was a much better experience although I did not see a lot in the way of education for a new consumer. Something in that respect may help your sales going forward and something to consider. Anyway I am happy with my (relatively small) first-time purchase and with the retailer as a reliable source. Thanks Lear!

2 people found this review helpful
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 25, 2019

Arron was kind, informative, and patient with my many questions. As I was taking the time to get my money up and decide what to do, Arron didn't hound me, which I really appreciate, but only called once in a while. Once I made the decision, Arron made sure I had all the information I needed, moved through the process quickly and kept in touch as I waited for my silver to be delivered. I look forward to to a long (hopefully not too long) and pleasant relationship with Lear Capital, as I wait for my investment to to peak. I am very happy with the decision I made and am confident it will pay off in a few years.

3 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Feb. 12, 2019

Lear was the first precious metals supplier I dealt with, and the first I ever ordered product from. I enjoyed working with Pierre **, who is clearly very knowledgeable in the industry and no doubt one of the "rainmakers" on the Lear Team. Hogan** was very helpful in order execution, as well. My only negative comment: While I got what I believed was good value on the 100 generic rounds I purchased from Lear, having now learned a good deal more it seems that you're a bit high on your pricing. Otherwise, it was a very good consumer experience. You're on my short list of online metals sources and I will continue to check regularly for future opportunities to work together.

8 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 11, 2018

My wife and I have been saving for a long time, and we felt it would be wise to invest in precious metals of some kind. I went on the internet to research information, and became extremely frustrated with all the information overload and pressure to buy. I finally came across Lear Capital, and spoke with Mr. Raad **. I explained that I had less than novice experience and knowledge, but wanted to possibly invest in silver coins. We have been saving for over 8 years and felt it would be a wise move to better protect our savings at this time.

Mr ** was very helpful and patient in explaining the various options, and based on our circumstances and goals we followed his advise and bought 300 Canadian, 1.5 oz Silver, Grizzly Bear Coins. It was a little more than our $10,000.00 savings, but we trusted his advice. All the coins were delivered on time, and we were very happy to get them. Now that the butterflies have settled down (lol) we are saving again and would like to continue to purchase more in the future. We appreciate Mr. **'s advice and help, and as soon as we can we will be calling him again in the future.


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3 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 1, 2018

My personal experience with Lear capital was awesome. I needed to roll my 401 K over from my previous employer, I wanted something more than paper assets. Kelly ** answered my call and was very helpful to me in, investing in silver. As I did not have very much knowledge in silver she explained to me how the silver investment opportunities might really be a benefit for me. And with all the information she had given me, which was a lot she understood I needed to do a little research. I found after a couple of days that indeed this was the option for me. I am very grateful for the time Kelly ** spent with me and her patience, knowledge and understanding of my needs in rolling over my 401 K... Thank You Lear Capital for employing Kelly ** and her awesome integrity and the value of me as a customer.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 18, 2019

Todd at Lear Capital has been great in helping me with my purchase of gold and silver purchases. I would recommend this company to my friends and family. Very easy to do business with. I will always do business with this company.

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Rated with 1 star
Verified Reviewer
Original review: Sept. 18, 2019

It was a 50, 000 dollar investment I thought I was gonna get. Oh boy did I make one of the biggest mistakes of my life. Paid well over spot price for my gold Swiss franks. Terry the sales manager made out big time. I trusted the name and what I thought was a good reputation they had or had. I lost right off the bat without realizing it about 12 to 14 thousand dollars. Fast talking Terry made a good commission that day on my expense of my sheer ignorance.

I feel I was cheated out of a lot of my retirement money. I feel like a dumb ** but that’s what I get for trusting people. Never again!!! I will never give them or recommend them, In fact it’s down right Criminal if you ask me. I’m not the only one either. Just look at the reviews before you waste your money on this Ponzi Scheme. Buyers beware!!!! I hope this is helpful to anyone who is lucky enough to have read my review. Signed Pissed off consumer!!!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 16, 2019

I was assisting one of my clients. Demitri has great customer skills and patience. A great educator, and displays incredible product knowledge. Its customer service displayed that makes Lear Capital a go to company. Thanks Demitri!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 15, 2019

I like to purchase a Morgan silver dollar coin each month. I just wish I could order each coin over the telephone or online and give them my credit card number and then receive my purchase/coin much faster. I love the excellent service and products you sell. I just wish I you could speed up the process. Thank you.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 12, 2019

My Lear Representative made several suggestions about the advantages and disadvantages of different types of gold and silver coins and bullion. He also pointed out the unusual wide ratio between the price of gold and silver, indicating that silver may be grossly underpriced at this time. Based in his information, I made a conscious decision to purchase a combination of both silver coins and bullion and am very happy with my decision.

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Lear Capital Company Information

Social media:
Company Name:
Lear Capital
Company Type:
Year Founded:
1990 S. Bundy
Los Angeles
Postal Code:
United States
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