Find Sangla Shops Near You
Compare pawnshop rates, get instant cash loans, and find trusted sangla services in Manila, Makati, BGC, Cebu, and across the Philippines
Cebuana Lhuillier Ermita
Villarica Pawnshop Makati
M Lhuillier Greenbelt
Villarica Pawnshop BGC
M Lhuillier Market! Market!
Cebuana Lhuillier Trinoma
Villarica Pawnshop SM North
Cebuana Lhuillier Cebu Ayala
Tambunting Colon Street Cebu
M Lhuillier Abreeza Davao
Villarica Pawnshop Davao
Palawan Pawnshop Binondo
Pawn Loan Calculator
Compare interest rates and calculate your total repayment amount
| Pawnshop | Monthly Rate | Interest | Total Repayment | Rating |
|---|---|---|---|---|
Cebuana Lhuillier 2847 reviews | 2.5% per month | ₱1000.00 | ₱11000.00 | 4.8 |
Tambunting Pawnshop 1954 reviews | 2.6% per month | ₱1040.00 | ₱11040.00 | 4.8 |
Villarica Pawnshop 1756 reviews | 2.7% per month | ₱1080.00 | ₱11080.00 | 4.7 |
M Lhuillier 2523 reviews | 2.8% per month | ₱1120.00 | ₱11120.00 | 4.7 |
RD Pawnshop 1287 reviews | 2.9% per month | ₱1160.00 | ₱11160.00 | 4.5 |
Palawan Pawnshop 1889 reviews | 3% per month | ₱1200.00 | ₱11200.00 | 4.6 |
Important Notes:
- • Interest rates shown are monthly rates and may vary by location and item type
- • Standard pawn loan period in the Philippines is 4 months (120 days)
- • You can renew your loan by paying the interest before the due date
- • Actual loan amount depends on the appraised value of your item
- • No credit check or income proof required for pawn loans
Not sure which pawnshop to choose?
Read the complete comparison — Best Match, Best Value & Hidden Gem picks for Metro Manila. Rates from 3.0%/month.
How Pawn Loans Work in the Philippines
Get instant cash using your valuables as collateral (sangla)
Bring Your Item
Visit a pawnshop with your valuable item (jewelry, electronics, gadgets, etc.)
Get Appraised
Expert evaluates your item and offers a loan amount based on its value
Receive Cash
Accept the offer and receive cash immediately - no credit check required
Repay & Reclaim
Pay back the loan plus interest within the agreed period to get your item back
Find Pawnshops by Location
Search for trusted sangla shops in major cities across the Philippines
Manila
Makati
BGC
Quezon City
Cebu
Davao
Frequently Asked Questions
Everything you need to know about pawnshops in the Philippines
What is the interest rate of pawnshops in the Philippines?
Pawnshop interest rates in the Philippines typically range from 2% to 4% per month. The exact rate depends on the pawnshop, loan amount, and type of item pawned. Government-regulated pawnshops like Cebuana Lhuillier and M Lhuillier usually offer competitive rates around 2.5% to 3% monthly.
How long can you keep an item in a pawnshop?
The standard loan period in Philippine pawnshops is 4 months (120 days). After this period, you can renew the loan by paying the interest, or the pawnshop may auction your item. Some pawnshops offer extensions or grace periods.
Is it better to sell gold or pawn it?
It depends on your needs. Pawning (sangla) is better if you need temporary cash and want to reclaim your gold later. Selling is better if you need more money immediately and don't plan to get the item back. Pawn loans typically offer 70-80% of the item's value, while selling gives you the full market value.
What documents are needed for a pawn loan?
For pawn loans in the Philippines, you typically need: (1) Valid government-issued ID (driver's license, passport, UMID, SSS ID, etc.), (2) The item you want to pawn. No income proof or credit check is required, making it accessible for everyone.
How fast can you get cash from pawnshops?
Pawnshops in the Philippines offer instant cash. The entire process - from appraisal to receiving money - usually takes 15-30 minutes. This makes pawnshops ideal for emergency cash needs.
What items can I pawn in the Philippines?
Common items accepted by Philippine pawnshops include: gold jewelry, diamond jewelry, watches (especially luxury brands), laptops, smartphones, tablets, cameras, gaming consoles, and other electronics. Some pawnshops also accept appliances, musical instruments, and vehicles.