How long do I have to redeem my pawned item?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
You have at least 90 days from the date your loan matures to redeem your item — a right written into Presidential Decree No. 114, §13. Even if you miss the maturity date printed on your pawn ticket, the pawnshop cannot sell your item during that 90-day redemption window; it may only dispose of the pawn after the 90 days lapse, and only through a public auction (PD 114 §§14–15). To redeem you pay the principal plus the interest that has accrued. A pawnshop such as M Lhuillier or Cebuana Lhuillier may offer to let you renew instead, but the 90-day statutory floor after maturity is your minimum protection.
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Frequently asked
Is the 90 days counted from when I pawned the item?
No — it is counted from the maturity date of the loan, not the date you pawned the item. PD 114 §13 gives you 90 days from maturity to redeem. Your pawn ticket shows both the loan date and the maturity date; the redemption window runs from the latter.
How is the amount to redeem computed?
PD 114 §13 lets you redeem by paying the principal plus interest; for interest accruing after maturity, the base is the sum of the principal and the interest already earned at maturity. Ask the pawnshop for the exact figure in writing before you pay.
Can the pawnshop shorten the 90 days?
The 90-day period after maturity is the statutory minimum in PD 114 §13. Any renewal or grace terms a pawnshop offers are on top of that floor, not a substitute for it — read your pawn ticket and keep it.
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Your rights when you pawn an item at M Lhuillier, Cebuana Lhuillier, Palawan, or any pawnshop — the 90-day redemption period, auction of unredeemed items, lost pawn tickets, and legal charges under PD 114 and BSP supervision.