Pawnshop Rate Comparison — Philippines 2026
Pano malaman kung saan ka mas pinapamura?
Appraisal % at monthly interest ng M Lhuillier, Cebuana, Palawan, Villarica, Agencia Malbar, at RD Pawnshop — sabay na ikukumpara. Last updated May 18, 2026.
Paano basahin ang table na ito
Appraisal % — anong porsyento ng market value ng iyong item ang ibinibigay bilang loan. Mas mataas, mas mabuti. Monthly interest — magkano ang bayad mo bawat buwan sa loan amount. Mas mababa, mas mabuti. Ang ginto ay karaniwang tinatantya sa kasalukuyang gold spot price × appraisal %. Lahat ng major chains ay nagbibigay ng 90 araw para i-redeem bago ma-auction.
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Lowest monthly interest of the major chains at 2.5%. Highest appraisal % for gold (up to 70% FMV). Strong provincial and Mindanao coverage.
Ginto / Alahas · Electronics · Cellphone · Relo
Specialises in fine jewelry and diamonds. Higher appraisal rates for certified pieces. Fewer branches concentrated in Metro Manila and urban centers.
Ginto / Alahas · Relo · Electronics
Largest pawnshop chain by branch count. Online renewal and redemption via app. Higher appraisal % on gold than MLhuillier.
Ginto / Alahas · Relo · Electronics · Cellphone
Long-established chain in Visayas / Mindanao. Specialises in gold and watches. Branch count and appraisal % need verification from BSP COA records.
Ginto / Alahas · Relo
Accepts a wider range of items than most chains (appliances, tools). Found primarily in NCR and CALABARZON. Appraisal % needs verification from BSP.
Ginto / Alahas · Electronics · Cellphone · Appliances · Kagamitan
Largest pawnshop-remittance chain in PH. Monthly interest among the highest at major chains. Complaints about appraisal disputes and slow response logged with BSP.
Ginto / Alahas · Electronics · Cellphone · Relo
Mas murang opsyon: walang collateral
Kung ang item mo ay mahal sa iyo at ayaw mong isangla, ang mga personal loan mula sa regulated banks at digital banks ay maaaring mas mura kaysa pawnshop interest.
Ikumpara ang personal loans →Mga Madalas Itanong
Aling pawnshop ang may pinakamababang interest rate sa Pilipinas?
Sa mga pangunahing chain, ang Palawan Pawnshop ay karaniwang may pinakamababang monthly interest na 2.5% bawat buwan. Sinusundan ito ng Villarica Pawnshop (2.75%) at Cebuana Lhuillier (2.99%). Ang M Lhuillier ay karaniwang nagtatasa ng 3.5% bawat buwan — pinakamataas sa mga major chains.
Which pawnshop gives the highest appraisal value for gold in the Philippines?
Palawan Pawnshop generally offers the highest appraisal percentage at around 70% of market value. Villarica (68%) and Cebuana Lhuillier (65%) follow. M Lhuillier typically offers around 60%. Actual values depend on current gold spot price and item condition.
Gaano katagal para i-redeem ang aking na-sangla sa Philippines?
Lahat ng major pawnshop chains — M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop, at Villarica — ay nagbibigay ng 90-day redemption period. Pagkatapos ng 90 araw nang hindi nagbabayad o nagre-renew, ang item ay maaaring maibenta. Maaari kang mag-renew sa pamamagitan ng pagbabayad ng naipon na interest.
Can I redeem my pawned item online?
Cebuana Lhuillier offers online renewal and redemption processing through their app. M Lhuillier, Palawan Pawnshop, Villarica, Agencia Malbar, and RD Pawnshop currently require in-branch visits for redemption. Physical item collection is always done at the branch where it was pawned.
Are pawnshops in the Philippines regulated?
Yes. All legitimate pawnshops must be registered with the Bangko Sentral ng Pilipinas (BSP) under the Pawnshop Regulation Act (PD 114). They must display their Certificate of Authority to Operate. Verify BSP registration at bsp.gov.ph before pawning.
Is there a cheaper alternative to pawning my item?
Yes. Regulated personal loans from digital banks (Tonik, CIMB PH, Maya Bank) can have effective annual rates lower than the 30–42% annual equivalent of major pawnshop chains — especially for amounts above ₱5,000 and terms over 30 days. Compare rates on the loans page.