Monthly interest rates, accepted items, and locations for Cebuana, Palawan Pawnshop, M Lhuillier, and more. All BSP-regulated.
All pawnshops in the Philippines are regulated by the Bangko Sentral ng Pilipinas (BSP). Maximum monthly interest rate: 3.5% (BSP Circular No. 1119, Series of 2021)
Complete Chain Guides
Everything you need to know about the Philippines' top 3 pawnshop chains — rates, services, branches, and honest pros & cons.
Largest network · 3,500+ branches
Open Sundays · Lowest rates
Luxury watches · Up to ₱1M loans
Verified Data
Compare monthly interest rates, accepted items, and branch counts from BSP-regulated chains.
| Pawnshop | Monthly Rate | Loan Range | Accepts | Branches |
|---|---|---|---|---|
Cebuana Lhuillier Largest network in the Philippines BSP Licensed | 3.5% per month | ₱300–₱100,000 | JewelryElectronicsGadgetsAppliances | 2,500+ |
Palawan PawnshopLowest Rate Best rate among major chains BSP Licensed | 3.0% per month | ₱200–₱50,000 | JewelryGadgetsSmartphones | 3,000+ |
M Lhuillier Best for luxury & high-value items BSP Licensed | 3.5% per month | ₱300–₱200,000 | Gold JewelryWatchesLuxury ItemsDiamonds | 2,800+ |
ValueMaxHigh-Value Specialists in luxury collateral BSP Licensed | Varies per month | ₱500–₱500,000+ | Luxury WatchesDesigner BagsFine JewelryBullion | 20+ |
Loan Range
₱300 – ₱100,000
Branches
2,500+
Loan Range
₱200 – ₱50,000
Branches
3,000+
Loan Range
₱300 – ₱200,000
Branches
2,800+
Loan Range
₱500 – ₱500,000+
Branches
20+
Rates as of March 2026. Verify current rates directly with provider. BSP Circular 1119 caps monthly interest at 3.5%.
Market Data
Pawnshops typically offer 80–92% of spot price when buying gold. Get multiple quotes before selling.
Source: Philippine gold market rates. Reference only — verify with buyer before selling.
| Purity | Per Gram | Per Tola (11.66g) | Per Troy Oz (31.1g) |
|---|---|---|---|
| K24 (999) | ₱5,580 | ₱65,063 | ₱173,538 |
| K22 (916) | ₱5,115 | ₱59,641 | ₱159,077 |
| K18 (750) | ₱4,185 | ₱48,797 | ₱130,154 |
| K14 (585) | ₱3,264 | ₱38,058 | ₱101,510 |
Guide
Understanding how pawnshops calculate interest helps you compare offers and redeem your items without surprise costs.
Any jewelry, gadget, or accepted collateral. No appointment needed.
Staff appraises the item and offers a loan based on its market value.
Accept the offer, sign the pawn ticket, and receive cash in 15–30 min.
Pay principal + interest within the pawn period (typically 4 months) to reclaim your item.
Location Guide
Different areas offer different types of gold buyers. Here's what to expect across Metro Manila.
Premium gold buyers catering to expats and high-net-worth individuals. Competitive rates, professional appraisals.
Luxury pawnshops (e.g., Villarica BGC)
Best for high-value gold and jewelry items
Accredited gold dealerships
BSP-registered, transparent pricing per gram
Walk-in appraisal at upscale jewelers
Usually open Mon–Sat 10AM–8PM
Highest concentration of licensed gold buyers in Metro Manila. Ayala, Salcedo, and Legaspi Village all have multiple options.
Gold exchange shops near Ayala Ave
Compare at least 2–3 buyers before selling
Cebuana / M Lhuillier gold buying
Convenient but typically lower rates
Precious metals dealers in Salcedo Village
Best for 22K–24K gold and bullion
Gold trading hub since colonial times. Hundreds of gold shops along Ongpin Street. High competition means competitive prices.
Ongpin Street gold shops
Negotiate — prices are more flexible here
Jewelry workshops and refinery buyers
Accept broken or damaged jewelry
Wholesale gold buyers
Best rates for larger quantities (100g+)
Dense cluster of pawnshops and jewelry buyers near Quiapo Church. Ideal if you need quick cash in the area.
RD Pawnshop and Tambunting branches
Multiple branches within walking distance
Small independent gold buyers
May offer slightly higher rates — compare first
Palawan Express branches
Good for smaller amounts, quick process
Pro Tip: Always get multiple quotes
Gold buying prices can vary by 10–15% between buyers in the same area. Getting at least 3 quotes takes 30 minutes but can mean hundreds of pesos more in your pocket.
FAQ
Common questions about pawnshops and selling gold in Metro Manila
Disclaimer: Rates as of March 2026. Verify current rates directly with provider. Pawnshop Manila is an independent guide. We do not sell your information. All data is publicly sourced.
Use our pawnshop finder to locate BSP-regulated pawnshops by area in Metro Manila.