Personal Loans & Pawnshops in Makati 2026
Top lenders with Makati branches, pawnshops near Ayala/Salcedo/Legazpi Village, and where to sell gold in Makati CBD.
Top 5 Lenders with Makati Branches
Banks and digital lenders accessible from Makati CBD. Rates as of April 2026 — verify with lender before applying.
Monthly Rate
1.2%-1.8% monthly
Loan Amount
₱20K – ₱2M
Approval
3-5 days
Monthly Rate
1.25% monthly
Loan Amount
₱20K – ₱1M
Approval
5-7 days
Monthly Rate
1.3% monthly
Loan Amount
₱30K – ₱2M
Approval
2-4 days
Monthly Rate
1.3% monthly
Loan Amount
₱50K – ₱1M
Approval
5-7 days
Monthly Rate
From 1.83% monthly
Loan Amount
₱5K – ₱250K
Approval
~1 hour online
Pawnshops near Makati CBD
FAQ — Loans & Pawnshops in Makati
Which banks in Makati offer the fastest personal loan approval?
For Makati-based applicants, Tonik Bank (digital, ~1 hour) and Security Bank (2-4 days) are the fastest. Traditional banks like BPI and Metrobank take 3-7 days. If you work in a company banked with BPI or Metrobank, salary loan approval can be faster through payroll deduction.
Is there a pawnshop inside Greenbelt Makati?
Yes — M Lhuillier has branches near the Greenbelt mall area. Villarica Pawnshop has branches in Salcedo and Legazpi Village for higher-value items. For the absolute closest pawnshop to Greenbelt, ask mall information for the nearest Cebuana or M Lhuillier branch.
Where can I sell gold in Makati for the best price?
For the best gold prices in Makati, visit multiple buyers in the Ayala Ave / Salcedo Village area and compare quotes. Accredited gold dealers typically offer 88-95% of market price. Avoid settling for the first offer — a 10-minute comparison can mean ₱500+ more per gram on larger amounts.
Can I get a loan in Makati without a payslip?
Yes. Loan apps like Tonik Bank, Tala, and Cashalo do not require payslips and can be applied for from anywhere, including Makati. RFC (Radiowealth Finance) also has branches in Metro Manila with more flexible requirements. For bank loans with better rates, payslips are generally required.
What luxury items can I pawn in Makati?
Makati pawnshops, especially Villarica and Tambunting in Salcedo/Legazpi Village, accept Rolex, Patek Philippe, Audemars Piguet, Hermès, Chanel, fine jewelry, and diamonds. For items valued above ₱500,000, call ahead to confirm the pawnshop has an appraiser on duty that day.
Related Insights & Guides
Expert guides on loans, pawnshops, and gold buying in the Philippines.
Which pawnshop chain is #1 in Metro Manila?
We compared Cebuana, Palawan, M Lhuillier & Villarica on rates, branches, and loan limits — see the full ranking.
Ready to Apply for a Loan in Makati?
Compare rates from 10+ lenders, use our free loan calculator, and find the best deal for your needs.