Get the highest loan for your gold jewelry. Compare appraisal rates from all BSP-regulated pawnshops. 18K gold loans from ₱29,000+. Maximum interest: 3.5%/month under BSP Circular 1119.
Pawning gold jewelry is the fastest way to get cash in the Philippines — no credit check, no income documents, no waiting period. You walk in with your jewelry, get an appraisal in 5–15 minutes, and walk out with cash.
The pawnshop appraiser tests your gold using acid testing or XRF analysis to verify the karat, then weighs it in grams. The loan offer is calculated as: Gold weight × Karat price × Loan-to-value ratio (70–85%).
Under BSP Circular 1119, the maximum interest rate is 3.5% per month. The standard loan period is 4 months (120 days). You can redeem your item at any time by paying the principal plus accrued interest.
If you cannot redeem, you can renew the pawn ticket by paying the interest — this resets the 4-month clock. Most pawnshops allow multiple renewals.
BSP maximum rate: 3.5%/month. Loan-to-value (LTV) varies by pawnshop and item condition.
| Pawnshop | Interest Rate | Loan-to-Value | Max Loan | Best For |
|---|---|---|---|---|
| Villarica Pawnshop | 3.5%/mo | 80–85% | ₱2,000,000 | Highest LTV, gemstones accepted |
| Tambunting Pawnshop | 3.5%/mo | 78–83% | ₱1,500,000 | Luxury jewelry, watches |
| M Lhuillier | 3.5%/mo | 75–80% | ₱1,000,000 | Wide branch network |
| Cebuana Lhuillier | 3.5%/mo | 73–78% | ₱500,000 | Most branches nationwide |
| Palawan Pawnshop | 3.5%/mo | 72–77% | ₱300,000 | Sunday hours, lowest base rate |
| RD Pawnshop | 3.0%/mo | 70–75% | ₱500,000 | Lowest interest rate |
* LTV ranges are estimates based on market data. Actual offers vary by branch and appraiser. Always get 2–3 appraisals.
Find the nearest BSP-regulated pawnshop and get the best rate for your gold.