List of Pawnshops in the Philippines

Emergencies happen—and sometimes, they can soil your pockets. While banks and other financial institutions offer various loans that can help you fund an emergency expense, it can take days or even weeks before your application is processed.

Pawnshops in the Philippines allow you to borrow money using your jewelry, gadgets, vehicles, or appliances as collateral. The application is straightforward—you may only need a valid ID and your collateral for a pawn loan. The process is also quick, and you can get your loan amount within hours.

Pawning your personal belongings isn’t the best way to fund an emergency expense but they might be helpful when you are desperately in need. For your reference, here is a list of pawnshops in the Philippines and their monthly interest rates, payment terms, and other services they offer:

Pawnshops in the Philippines

1. Cebuana Lhuillier

Apart from pawning or sangla, Cebuana Lhullier offers remittance services and microinsurance to its customers.

Website: www.cebuanalhuillier.com

Location: Nationwide

Services offered:

• Pawning
• Microinsurance
• Micro loans
• Remittance

Basic requirements:

• Valid ID
• Collateral guarantee (gold, diamond, or platinum jewelry and watches, cellphones, or laptops)

Loan term: Up to four months

Interest rates and other charges:

• Advance interest charge of PHP 4 for every PHP 100 loan amount
• Service charge of 1% of the principal loan amount

2. Palawan Pawnshop

One of the most popular pawnshops in the Philippines, Palawan Pawnshop has numerous branches nationwide. Some of its services are money exchange, international and domestic remittance, and pawning.

Website: onlinepadala.ppspepp.com

Location: Nationwide

Services offered:

• Pawning
• Remittance
• Money exchange
• Bills payment
• Insurance

Basic requirements:

• Valid ID
• Collateral guarantee (gold jewelry items)

Loan term: Up to four months

Interest rates and other charges:

• Up to 3% monthly interest rate charge
• Service charge of 1% of the principal loan amount

3. Villarica Pawnshop

Villarica Pawnshop offers sangla without service charge, one of its unique features among other pawnshops in the Philippines. You can also pay your bills and send money to your loved ones through Villarica.

Website: www.villaricapawnshop.ph

Location: Nationwide

Services offered:

• Remittance
• Pawning
• Auctioning
• Bills payment
• Money exchange

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry or gadgets)

Loan term: Up to four months

Interest rate: 4% to 6% monthly interest rate

4. M Lhuillier

M Lhuillier has over a thousand branches nationwide. It offers quick cash loans or sangla with a 30% higher appraisal rate. Apart from pawning, M Lhuillier also offers bills payment and remittance.

Website: www.mlhuillier.com

Location: Nationwide

Services offered:

• Bills payment
• Remittance
• Quick cash loans or sangla
• Insurance plans

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, watches, electronics, or appliances)

Loan term: Unspecified

Interest rates and other charges:

• 3% monthly interest rate for quick cash loans
• 1% service charge of the principal loan

5. Tambunting Pawnshop

Tambunting has branches nationwide and is one of the top pawnshops in the Philippines. You can pawn your vehicle, appliances, jewelry, and even pledges or stocks for a loan with this pawnshop.

Website: www.tambunting.ph

Location: Nationwide

Services offered:

• Pawning
• Bills payment
• Loading services
• Remittance

Basic requirements:

• Valid ID
• Collateral guarantee (vehicles, appliances, gadgets, jewelry,etc)

Loan term: Up to six months

Interest rate: 4% monthly interest rate

6. Raquel Pawnshop

Raquel Pawnshop started in Lucena in the 90s and now has over a hundred branches nationwide. Its sangla service accepts jewelry, gadgets, and appliances as collateral guarantees.

Website: www.raquelpawnshop.com

Location: Nationwide

Services offered:

• Pawning
• Remittance
• Loading services
• Cash withdrawal

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, gadgets, or appliances)

Loan term: Up to three months

Interest rates and other charges:

• 2% to 10% monthly interest rate
• Service charge of 1% of the principal loan amount

7. RD Pawnshop

RD Pawnshop accepts gold jewelry and gold bars as collateral guarantees for pawning. Apart from this service, it also offers bills payment and remittance.

Website: www.rdpawnshop.com.ph

Location: Nationwide

Services offered:

• Pawning
• Remittance
• Loading services
• Bills payment

Basic requirements:

• Valid ID
• Collateral guarantee (gold jewelry, gold bars, or Rolex or Rado watches)

Loan term: Up to four months

Interest rates and other charges:

• 3% monthly interest rate
• Service charge of 1% of the principal loan amount

8. N-CA$H

N-CA$H is one of the few online pawnshops in the Philippines. It accepts watches, designer bags, and gadgets as collateral guarantees for pawn loans.

Website: www.ncash-pawnshop-philippines.com

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, gadgets, designer items,or vehicles)

Loan term: Up to four months

Interest rates and other charges:

• 4% to 5% monthly interest rate
• Service charge of 1% of the principal loan amount

9. Jerome’s Pawnshop

Jerome’s Pawnshop is a small pawnshop with branches in Cebu and Laguna. It accepts laptops, watches, and jewelry for pawning.

Locations: Cebu, Laguna

Basic requirements:

• Valid ID
• Collateral guarantee (gadgets, jewelry, or watches)

Loan term: Up to three months

Interest rates and other charges:

• 3% to 10% monthly interest rate
• Service charge of 1% of the principal loan amount

10. CVM Pawnshop

CVM offers pawn loans with an interest rate of up to 13% a month. You can use your gadgets or jewelry as collateral.

Website: www.cvmpawnshops.com

Location: Nationwide

Services offered:

• Pawning
• Bills payment
• Remittance
• Loading services
• Cash withdrawal

Basic requirements:

• Valid ID
• Collateral guarantee (gadgets or jewelry)

Loan term: Up to four months

Interest rates and other charges:

• 3% to 13% monthly interest rate
• Service charge of 1% of the principal loan amount

11. Dalton Pawnshop and Jewelry

Dalton Pawnshop and Jewelry has branches across Mindanao. It offers pawning with an interest rate of 1% on jewelry for the first week.

Locations: Over 40 branches in Mindanao

Services offered:

• Pawning
• Remittance
• Money exchange
• Loading services

Basic requirements:

• Valid ID
• Collateral guarantee (gadgets, jewelry, or appliances)

Loan term: Up to four months

Interest rates and other charges:

• 2% to 5% monthly interest rate
• Service charge of 1% of the principal loan amount

12. PawnHero

PawnHero is the first online pawnshop in the Philippines. You can pawn your jewelry, gadgets, or designer bags using this online pawnshop without incurring any service charge.

Website: www.pawnhero.ph

Service offered: Pawning

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, appliances, designer bags, or cameras)

Loan term: Up to four months

Interest rate: 2.99% to 10% monthly interest rates

13. M. B. Aguirre Pawnshop

M.B. Aguirre has over 40 branches catering to customers from Metro Manila, Cavite, and Laguna. Aside from pawning, they also offer money exchange services.

Website: www. mbaguirre.ph

Locations: Metro Manila, Cavite, and Laguna

Services offered:

• Pawning
• Money exchange

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, cellphones, laptops, or watches)

Loan term: Up to four months

Interest rates and other charges:

• 3% to 4% monthly interest rate
• Service charge of 1% of the principal loan amount

14. Gemmary Pawnshop and Jewelry

Gemmary accepts jewelry, watches, laptops, and cellphones as sangla collateral. It charges a monthly interest rate of up to 7%, but it can be as low as 2.5% a month for a pledge amount of PHP 50,000 and above.

Location: Nationwide

Services offered:

• Pawning
• Money transfer
• Lay-away plans for auctioned jewelry

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, watches, laptops, or cellphones)

Loan term: Up to three months

Interest rates and other charges:

• 3% to 7% monthly interest rate
• 2.5% monthly interest rate for a pledge amount of PHP 50,000 and over
• Service charge of 1% of the principal loan amount

15. Agencia Zee

Agencia Zee was founded in 1996 and caters to customers in Bacolod City. For its pawning services, you can use your appliances, gadgets, and anything of value as collateral.

Location: Bacolod City

Service offered: Pawning

Basic requirements:

• Valid ID
• Collateral guarantee (appliances, gadgets, or anything else of value)

Loan term: Up to four months

Interest rates and other charges:

• 3% to 7% monthly interest rate
• Service charge of 1% of the principal loan amount

16. Capital Pawnshop

Capital Pawnshop has a few branches in Metro Manila, offering sangla services to its customers. They are one of the longest-running pawnshops in the Philippines.

Locations: Metro Manila

Service offered: Pawning

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, watches, laptops, or cellphones

Loan term: Up to three months

Interest rates and other charges:

• 3% to 8% monthly interest rate
• Service charge of 1% of the principal loan amount

17. JARO Pawnshop

JARO Pawnshop is a starting pawnshop that offers pawning and money transfer services to customers.

Locations: Nationwide

Services offered:

• Money transfer
• Pawning

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, cellphones, laptops, or watches)

Loan term: Up to three months

Interest rates and other charges:

• 4% to 10% monthly interest rate
• Service charge of 1% of the principal loan amount

18. Ros-Ver Pag-Asa Pawnshop

Ros-Ver Pag-Asa Pawnshop has more than 20 branches in Mindanao. It offers pawn loans with a monthly interest rate of up to 6%.

Website: www.pagasapawnshop.com

Locations: Mindanao

Services offered:

Pawning
Prenda-pasok

Basic requirements:

• Valid ID
• Collateral guarantee (jewelry, gadgets, musical instruments, or power tools)

Loan term: Up to four months

Interest rates and other charges:

• 3% to 6% monthly interest rate
• Service charge of 1% of the principal loan amount

19. PTS Gadget Pawnshop

Aside from gadgets, PTS Gadget Pawnshop accepts watches as collateral guarantees for a loan. It has numerous branches across Metro Manila.

Location: Metro Manila

Service offered: Pawning

Basic requirements:

• Valid ID
• Collateral guarantee (watches, cellphones, or other gadgets)

Loan term: Up to three months

Interest rates and other charges:

• 4% to 10% monthly interest rate
• Service charge of 1% of the principal loan amount

Final Thoughts

Pawn loans are a quick way to finance unforeseen expenses and emergencies. However, you should proceed with caution^[1]. Before getting a pawn loan, compare interest rates and other charges from different pawnshops in the Philippines. Only get a loan from a reputable pawnshop and plan how you can pay for monthly payments. If you can’t pay the loan within the allotted period, you can’t get your collateral back.

Read more:

• Sangla in the Philippines: Know the Benefits and Risks Before Pawning Valuables
• Saving Through Online Pawnshops
• Top Remittance Centers and Money Transfer Services in the Philippines

Source: ^[1] Pawning Protection: Pawning Around the World and the Red Flags Against Scams (Cebuana Lhuillier Blog, 2018)

Moneymax

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