Real pawn values by carat size, the GIA certificate advantage, which pawnshops accept diamonds, and 6 tips to maximize your offer in Metro Manila.
All pawnshops are BSP-regulated. Maximum monthly interest: 3.5% (BSP Circular No. 1119). Know your rights →
Diamonds get 30–45% of market value at pawnshops — significantly less than gold (70–85%). This is because diamonds are harder to resell: each stone is unique, and pawnshops need a buyer who wants that specific cut, clarity, and carat. A GIA certificate, clean stone, and choosing the right pawnshop can push your offer toward the higher end.
Free Tool
Estimate your pawn offer based on carat size, certification, and setting.
Rate Guide
Typical pawn values at BSP-regulated pawnshops in Metro Manila. April 2026. Uncertified diamonds.
| Carat Size | Market Value | Pawn Value | LTV % | Notes |
|---|---|---|---|---|
| 0.25 ct (quarter carat) | ₱15,000–₱35,000 | ₱6,000–₱14,000 | 35–45% | Common in engagement rings; lower LTV due to resale difficulty |
| 0.50 ct (half carat) | ₱30,000–₱80,000 | ₱12,000–₱32,000 | 35–45% | Most common size; GIA cert adds 10–15% to offer |
| 1.00 ct (one carat) | ₱80,000–₱250,000 | ₱28,000–₱90,000 | 30–40% | Significant jump in value; certification critical |
| 1.50 ct | ₱150,000–₱450,000 | ₱52,000–₱160,000 | 30–38% | Fewer pawnshops accept; Villarica and M Lhuillier best |
| 2.00 ct+ | ₱300,000–₱1,200,000+ | ₱90,000–₱400,000 | 28–35% | High-value; M Lhuillier and Tambunting specialize in these |
Setting Value
The metal setting is appraised separately from the diamond. Gold settings add real value.
Gold setting appraised separately at gold rate
Most common; straightforward appraisal
Higher value but fewer pawnshops appraise platinum
Minimal added value; focus on diamond quality
Loose diamonds get slightly higher LTV — easier to resell
Chain Comparison
Not all pawnshops have trained gemologists. Here's where to go for diamonds.
| Pawnshop | Accepts Diamonds | Max Loan | Rate | Best For | Branches |
|---|---|---|---|---|---|
| Villarica Pawnshop | Yes | ₱500,000 | 3.5%/mo | Best for 0.5–2ct diamonds | 800+ |
| M Lhuillier | Yes | ₱1,000,000 | 3.0%/mo | Best for high-value 1ct+ diamonds | 2,200+ |
| Tambunting Pawnshop | Yes | ₱500,000 | 3.5%/mo | Experienced diamond appraisers | 400+ |
| Cebuana Lhuillier | Yes | ₱200,000 | 3.5%/mo | Good for smaller diamonds under 0.5ct | 3,500+ |
| Palawan Pawnshop | No | — | — | Does not accept diamonds | 2,800+ |
Expert Tips
The difference between a low and high offer can be ₱10,000–₱50,000 for the same ring.
A certified diamond gets 10–20% more. If you don't have one, a GIA appraisal (₱3,000–₱8,000) can recover ₱5,000–₱20,000 more in pawn value.
Diamond appraisals vary more than gold. Visit Villarica, M Lhuillier, and Tambunting. Offers can differ by ₱5,000–₱30,000 for the same ring.
A clean diamond shows better clarity. A quick ultrasonic clean (₱200–₱500 at any jewelry shop) can improve your appraisal by showing the stone's true quality.
Original packaging and purchase receipt from a reputable jeweler (Cartier, Tiffany, local brands) adds credibility and can increase the offer.
Not all pawnshops have gemologists. M Lhuillier and Villarica have trained staff for diamonds. Avoid small pawnshops for high-value stones.
Appraisers are less rushed on weekday mornings. You're more likely to get a careful, thorough appraisal that reflects the true quality of your diamond.
Decision Guide
The right choice depends on whether you want the ring back and how urgently you need cash.
Cash received: 30–45% of market value. Cost: 3.5%/month interest.
Cash received: 50–70% via jewelry buyer or Carousell. No interest cost.
FAQ
Common questions about pawning diamond rings in the Philippines
Related Guides
Disclaimer: Pawn values are estimates based on typical appraisal rates as of April 2026. Diamond values vary significantly based on cut, clarity, color, and individual appraiser. Always get multiple appraisals. Pawnshop Manila is an independent guide.
Find M Lhuillier, Villarica, or Tambunting branches near you — the best pawnshops for diamonds in Metro Manila.