Quick Cash Loans

  • All branches in Visayas and Mindanao accept motorcycle as collateral.

Here are the LNCR branches that accept motorcycle as collateral.

  1. ML Tabaco 2, Albay

  2. ML Legazpi 2, Albay

  3. ML Oas, Albay

  4. ML Cumadcad, Sorsogon

  5. ML Irosin, Sorsogon

  6. ML Gubat, Sorsogon

  7. ML Milagros, Masbate

  8. ML San Jacinto, Masbate

  9. ML Cawayan, Masbate

  10. ML Daet 3, Camarines Norte

  11. ML Bagumbayan Sur, Naga

  12. ML San Nicolas, Iriga, Camarines Sur

  13. ML Lipa 1, Batangas

  14. ML Batangas 3

  15. ML Nasugbu, Batangas

  16. ML Calapan 3, Oriental Mindoro

  17. ML Victoria, Oriental Mindoro

  18. ML Pinamalayan 2, Oriental Mindoro

  19. ML Bongabong, Oriental Mindoro

  20. ML Tanauan 4, Batangas

  21. ML Sto. Tomas 1, Batangas

  22. ML Rosario 2, Batangas

  23. ML San Juan, Batangas

  24. ML San Jose 1, Occidental Mindoro

  25. ML San Jose 2, Occidental Mindoro

  26. ML Mamburao, Occidental Mindoro

  27. ML Candelaria 2, Quezon

  28. ML Liliw

  29. ML Landayan

  30. ML United Bayanihan

  31. ML Sta. Cruz

  32. ML Bay

  33. ML Mayapa, Calamba

  34. ML Alaminos

  35. ML Pamplona Tres, Las Piñas

  36. ML Divisoria, Manila

  37. ML Avenida, Manila

  38. ML Sta. Lucia, Pasig

  39. ML Banaba, San Mateo

  40. ML Montalba 3

  41. ML Bagong Silang 1, Caloocan City

  42. ML Bagong Silang 2, Caloocan City

  43. ML Shorthorn, Quezon City

  44. ML Katipunan Quezon City

  45. ML Longos, Malabon City

  46. ML Tungkong Mangga 1, San Jose del Monte

  47. ML Bulakan, Bulacan

  48. ML Tangos, Baliuag

  49. ML San Rafael, Bulacan

  50. ML Bulaon, San Fernando

  51. ML Friendship 1, Angeles

  52. ML Tabun, Angeles

  53. ML Mexico, Pampanga

  54. ML San Jose City 2, Nueva Ecija

  55. ML Carranglan, Nueva Ecija

  56. ML Crossing, Cabanatuan, Nueva Ecija

  57. ML Talavera 3, Nueva Ecija

  58. ML Sta. Rosa 2, Nueva Ecija

  59. ML San Jacinto, Pangasinan

  60. ML Urdaneta 2, Pangasinan

  61. ML Burgos, Pangasinan

  62. ML Concepcion 2, Tarlac

  63. ML Subic 2, Zambales

  64. ML Santiago 4, Isabela

  65. ML Santiago 5, Isabela

  66. ML Jones, Isabela

  67. ML Mallig, Isabela

  68. ML Santiago 6, Isabela

  69. ML Bambang 3, Nueva Vizcaya

  70. ML Maddela 1, Quirino

  71. ML Legarda, Baguio

  72. ML San Fernando 2, La Union

  73. ML Narvacan Mall, Ilocos Sur

  74. ML Bangued 1, Abra

  75. ML San Juan, Ilocos Sur

  76. ML Pasuquin, Ilocos Norte

  77. ML Solsona, Ilocos Norte

  78. ML Aparri 1, Cagayan

  79. ML Allacapan, Cagayan

  80. ML Junction Luna, Cagayan

  81. ML Sta. Teresita, Cagayan

  82. ML Iguig, Cagayan

  83. ML Tabuk, Kalinga

  84. ML Tuguegarao 4, Cagayan

  85. ML Cauayan 1, Isabela

  86. ML Cauayan 3, Isabela

  87. ML Ilagan 2, Isabela

  1. Fill out the form provided.

  2. Present a valid I.D.

  3. Give your item to the branch personnel for appraisal.

  4. Get your cash and loan ticket.

  • Gold and Diamond Jewelry

  • Cellular Phones

  • Laptops/Macbooks

  • Tablets/Ipads

  • Cameras

  • Kitchenware

  • Silverware

  • Appliances

  • Ray-Ban Sunglasses

  • Power Tools

  • Guitars

  • Medical Equipment

  • Watches

  • Motorcycle (selected branches in Cebu only)

  1. Hand over the signed loan ticket to the branch personnel.

  2. Present a valid I.D along with your payment.

  3. Claim the item.

The item will mature after 30 days of pawning.

Jewelry items can be renewed in any M Lhuillier branch, except for OPI.

  1. Hand over the signed loan ticket to the branch personnel.

  2. Present a valid I.D along with your payment

  3. Affix your signature on the new loan ticket

  4. Claim the new loan ticket

Kwarta Padala

1. Fill out the MLKP Form and present a valid ID or ML Diamond Card.

2. Give your cash to the Front Line Associate.

3. Get the customer's copy of the MLKP form and official receipt.

  • Asia United Bank (AUB)

  • At & Service

  • Atin Ito Remittance Ltd.

  • Ayannah Business Solutions Inc

  • Bank Albilad

  • Bank of Commerce

  • BC Remit

  • BDO (Banco de Oro Remittance)

  • BM Express Online

  • BPI Remittance

  • BTI Courier Express Inc.

  • Calsons Remittance

  • Cash Express/Al Ansari Exchange API

  • Chinabank

  • Citi Express Payment Phils.

  • Czarina Foreign Exchange

  • Development Bank of the Philippines (DBP)

  • EEC/Goldstar Philippines Inc.

  • EZ Remit

  • Family Express Canada Limited

  • Fastpay International LTD.

  • Fastremit Service Inc.

  • Fil-Asia Cargo Forwarder

  • Filremit

  • Forex World

  • Friendly Remittance

  • Hatari Express

  • Instant Cash

  • Intel Express

  • Iremit API

  • Jalandoni Foreign Exchange & Remittance

  • Japan Remit Finance

  • Kabayan Remittance

  • Kabayan Remittance Canada

  • Kabayan Remittance Japan

  • Keb Hana Bank

  • Kuwait India International Exchange

  • LDV Express

  • LMI Express Delivery (Lucky Money)

  • Lulu Money/Lulu Remit/Lulu Echange

  • Mass Express Singapore

  • Metro Express Upload

  • Metrobank Head Office

  • Money Exchange Spain

  • Money Gram

  • Murillo Travel and Remittance Services

  • New York Bay

  • Northern Union Remittance


  • Optimum Exchange Remit Inc API

  • Pacific Ace API

  • Pay2Home Remittance Services

  • Paypal


  • Pinoy Express Foriegn Exchange Guam

  • Pinoy Hatid Padala

  • Pinoy Remit NZ

  • Placid Express

  • PLDT Global Inc.

  • RCBC

  • Reliable Peso Remit

  • Remitly

  • Rewire – Research and Development Ltd

  • Ria Financials

  • Rio Express

  • Salazar Kwarta Padala

  • Signed and Delivered Inc. (also known as GEMINI)

  • Sigue Money Transfer / Coinstar

  • Sigue USA

  • Skycash Remittance corporation

  • Steadfast Money Transfer PTE LTD.

  • Sunrise Remittance

  • TML Remittance Center

  • Tranglo

  • Transfer To

  • Transcash International

  • Unilink Express Payment Phils. Inc.

  • Uniteller

  • UREMIT Int’l Corp API

  • Viamericas

  • Wells fargo

  • Worldcom International Communications (WIC)

  • World Remit Limited

  • Western Union

  • Zenj Exchange

  • Accountech Learning Center

  • AltPayNet

  • BabyMama Inc.

  • Bearflair Travel and Tours

  • Betur Inc./Coins.ph

  • Biocare Multipurpose Cooperative

  • Citi Appliance MC Corp.

  • E Creation (hataw.ph)

  • ELN

  • Fastnet Commu. Inc./ Bigfish Manila

  • Glence Printshop

  • GS Logistic Inc.

  • Haiper Apps Online Store

  • Hello Ph Tourism

  • Ladouce

  • Manila Civil Service Review (MCS Review Center)

  • Masaion IT Solutions

  • PHcoa Consultancy Center

  • Portal gaming Cafe

  • ProgeNature Go Health Marketing Corporation

  • Quirks Marketing Phils.

  • Royal Beaver Mart

  • Secret2Sucess

  • Smartlink Technologies and Business Solutions Co.

  • Sugbutel Family Hotel

  • SVR Infinity Trading

  • Travmagnet Travel Agency

  • UnifiedWeb Inc.

  • Vet Core

  • Vismin GV Hotel Inc.

  • Vulkan Enterprise

  • Yoshii Software Solution Philippines

  • 123 Lending Corporation

  • Abejo Waters Corp.

  • Abejo Waters Corp. – Talisay

  • Aboex Travel And Tours

  • Aeon Credit Service, Phils. Inc.

  • Air Asia / Zest Airways

  • Aklan Cable Network Inc. – Lemery

  • Aneco Inc

  • Angeles City Water Distrcit

  • Asialink Finance Corporation

  • Asian College Of Science And Technology

  • Astrokidd Travel And Tours

  • Atc Healthcare International Corporation

  • Ateneo De Davao University

  • Ateneo De Zamboangga University

  • Astrokidd travel and tours

  • Anjo World Theme Park

  • Alegria Dive Resort

  • Aisat Corp.

  • Aia Philippines

  • Balamban Water District

  • Basic Water Enterprises Inc.

  • Batangas Catv Inc.

  • Batangas Catv Inc. – Bauan

  • Batangas Catv Inc. – Mabini

  • Bayantel

  • Bigstart Travel & Visa Assistance

  • Boardwalk Business Ventures Inc.

  • Boheco I

  • Boheco II

  • Bohol Northeastern Education Foundation

  • Bohol Northern Star College

  • Bohol Light Company Inc.

  • Bohol Water Utilities Inc

  • Bonjour Travel And Tours

  • Boracay Adventures Inc.

  • Boston Finance And Investment Corp.

  • Box Minii Studios / Veronis Inc.

  • Bp Waterworks

  • Broadband Everywhere

  • Buenavista Catv Inc.

  • Bulacan MWPV Development Inc.

  • Bulakan Water Company Inc.

  • C! Magazine

  • Calasio Water Company Inc.

  • Calbayog Water Company Inc.

  • Camarines Sur Electric Cooperative III

  • Capitol University

  • Carcar Water Distrcit

  • Card Pioneer Microinsurance Inc.

  • Card MRI (payment to head card office)

  • Caritas Finacial Plans Inc.

  • Carmona Waters

  • Casureco 4

  • Cattleya Gardens And Memorial Park Inc.

  • Cebu Cable Tv Management Corp.

  • Cebu Cable Tv North Management Corp.

  • Cebu Cfi Coop Payments

  • Cebu Cfi Loan Application Fee

  • Cebu Doctors University Inc.

  • Cebu Gems Innovation And Career Development Center Inc.

  • Cebu Institute Of Technology

  • Cebu People’s Multi Purpose Cooperative

  • Cebu Safari & Adventure Park Inc.

  • Cebu Sendai Motor Sales Inc.

  • Celestial Meadows

  • Centro Escolar University

  • Charles Peak

  • Cis Bayad Center – Cignal

  • Cis Bayad Center – Dfa

  • Cis Bayad Center – Maynilad

  • Cis Bayad Center – MMDA

  • Cis Bayad Center – POEA

  • City Savings Bank

  • City Savings Bank – Motorcycle Loans

  • Claver TV and Internet Services

  • College of Technological Sciences Cebu Inc.

  • Collegio San Agustin - Bacolod

  • Columbian Missionary Foundation Inc.

  • Community Economic Ventures Inc.

  • Collin Ticketing Services

  • Cotabato Lights

  • Cor Jesu College

  • Crocolandia Foundation Inc.

  • Csw – Iloilo Inc.

  • Ctbc Bank Phils. Inc.

  • Davao Light

  • Daz Travel And Tours

  • De La Salle John Bosco College

  • Des Appliance Plaza Inc.

  • Des Strong Motor Inc. – Customer Payment

  • Dipolog City Water District

  • Divine Word College Of Calapan

  • Diwa Travel Agency

  • DMC College Foundation Inc.

  • Dole Region Xii (Rwa( Registration Of Workers Association

  • Dona Pilar Learning foundation Inc.

  • Dragon Pay Corporation

  • Ecowater MWPV Corp.

  • Eln Online

  • Esamelco

  • Escobar Travel & Tours

  • Euro P2p Direct Inc.

  • Excel First Review And Training Center Inc.

  • Excelite Catv Batangas, Inc – Taal

  • Excel-Ri Ce Specialist Inc.

  • Ez Shop Consumer’s Desire Trading Corp.

  • Far East Travel And Tours

  • Fast Unimerchants, Inc.

  • Fely’s Tours And Travel

  • Finaswide Credit Corp.

  • First Industrial Science And Technology School

  • First Standard Finance – Bacolod

  • First Standard Finance Corp.

  • First Standard Finance-Iloilo

  • First Standard Finance-Roxas

  • Florista.Ph

  • Foundation For Values Training Inc.

  • Foundation University

  • General Luna Water System Inc.

  • General Santos Water District

  • Gi Phils. Corp.

  • Global Dominion Financing

  • Globe And Innove

  • Globewest Finance Corporation

  • Golden Bria Holdings Inc.

  • Goodhand Water Specialist

  • Guimaras Electric Cooperative

  • Gullas College of Medicine Inc.

  • Happy Well Management

  • Haven Of Peace Memorial Garden

  • Helpmate – Compostela

  • Helpmate- Davao

  • Helpmate- Liloan

  • Helpmate- Mandaue

  • Helpmate- Minglanilla

  • Helpmate- Naga

  • Helpmate- Pit-Os

  • Helpmate- Quiot

  • Helpmate- San Fernando

  • Helpmate- Sapangdaku

  • Helpmate- Talisay

  • Hi -Precision Diagnostics Inc.

  • Hi-Fashionista Galore Inc.

  • Hillside Memorial Garden Inc.

  • Holy Angeles University

  • Holy Rosary School of Pardo

  • Holy Trinity College of General Santos City

  • Homecredit

  • Honda Des Inc.

  • Icct Colleges

  • Icct Colleges – Antipolo

  • Icct Colleges-Taytay

  • Iddo Inc.

  • Ileco 3 (Iloilo Iii Electric Cooperative Inc.)

  • Indiana Aerospace University

  • Imperial Appliance PLaza

  • Ios Marketing Corp.

  • Island Rose (Philippine Cut Flower Corp.)

  • Janglu Enterprise

  • Jcass Travel & Tours

  • John B Lacson Colleges Foundation (Bacolod) Inc.

  • John B Lacson Foundation Maritime University-Arevalo Iloilo

  • Jose Maria College Davao

  • J Store Innovation

  • Kabankalan City Water District

  • Kimstore

  • La Salle University Ozamiz Inc

  • La Trinidad Water District

  • Lazada Ph

  • LGU Cebu - Alegria

  • LGU Cebu - Aloguinsan

  • LGU Cebu - Badian

  • LGU Cebu - Barili (ATV - All Terrain Vehicle)

  • LGU Cebu - Cordova

  • LGU Cebu - Daan Bantayan

  • LGU Cebu - Dalaguete

  • LGU Cebu - Moalboal Sardine Run

  • LGU Cebu - Oslob Whale Shark Watching

  • LGU Cebu - Pinamungajan

  • LGU Cebu - Poro Buho Rock

  • LGU Cebu - San Fernando Camotes (Lake Danao & San Antonio Bay)

  • LGU Cebu - Tudela Bukilat Cave

  • LGU Cebu Oslob - Sumilon Sand Bar

  • Loan Star Lending Corporation

  • Lorma Colleges Inc.

  • Loyola Plans Consolidated Inc.

  • Lyceum Of The Philippines University – Cavite

  • Lyceum Of The Philippines University – Manila

  • Lydias Lechon

  • Maayo Medical Clinic Corp.

  • Macondray Finance Corp.

  • Maguindanao Electric Cooperative Inc.

  • Mahogany Floating Cottage Rental

  • Makati Finance Corporation – Customer Account

  • Malayan Colleges Lagauna, Inc.

  • Manila Water Company Inc.

  • Manila Water Philippines Ventures

  • Mapi Lending Investors Inc.

  • Masaganang Buhay Finance Phils. Corp.

  • Mciagroup Inc. Customer Account

  • Metro Pacific Iloilo Waters Inc

  • Metrobank – Iregalo

  • Metrobank Sumisho Motors

  • Metrobank Aboitiz Land

  • Metrobank Benison Commercial Group

  • Metrobank Business People Inc. – Iloilo

  • Metrobank Business People Inc. – Roxas

  • Metrobank Calapan Waterworks

  • Metrobank Central Philippine University

  • Metrobank Chicken Essentials Ph.Inc

  • Metrobank Dcco – Multi Purpose Coop Sibulan

  • Metrobank Easy Pay Finance

  • Metrobank Essilor Dagupan

  • Metrobank Essilor Phils Luzon

  • Metrobank Essilor Phils Mindanao

  • Metrobank Essilor Phils. Visayas

  • Metrobank Excel First Review

  • Metrobank Jack & Jill School

  • Metrobank May Abohan

  • Metrobank Oversea Feed Corp.

  • Metrobank Siliman University

  • Metrobank St. Columban College

  • Metrobank Visayan Surety & Insurance Corp.

  • Metropolitan Cebu Water District

  • Microventures Phils. Financing Company Inc.

  • Misamis Cable Management And Dev’t. Corp

  • Misamis Cable Network Management Corp.

  • Misamis Institute of Technology

  • Mmej Travel And Tours Agency

  • Monielend Corporation

  • Mosbeau Phils.

  • Mosimeet Corporation / Icon

  • My Pocket Doctor 250

  • My Pocket Doctor 450

  • My SuperPay

  • MWPV South Luzon Water Corporation

  • Naga City Waters System Inc.

  • Nasugbu Water District

  • Navicare Maritime Services Inc.

  • Neca Catv Corp.

  • Nfinit Credit Corp.

  • Noreco 1 Consumers

  • Norkis Lzn/Ncr

  • Norkis Vismin

  • North Central Mindanao College

  • North Valley College Foundation Inc.

  • Northern Negros Elect. Cooperative Inc.

  • Northern Samar Electric Coop. (Norsamelco)

  • Notre Dame of Kidapawan College Inc.

  • Notre Dame of Marbel University

  • Notre Dame of Midsayap

  • Nueva Ecija Electric Cooperative Ii (Area 1)

  • Obando Water Company Inc.

  • Our Lady of Triumph Institute of Technology Inc. - Ozamiz

  • Our Lady of Triumph Institute of Technology Inc. - Pagadian

  • Pacific Ace Savings Bank

  • Pag-Ibig Fund

  • Paleco (Palawan Electric Coop)

  • Pangasinan Electric Cooperative 1 (Panelco)

  • Panglao Water Services Inc.

  • Paph Travel & Tours

  • Paramount Life And General Insurance Corp.

  • Paynamics Technologies Inc.

  • Paypanda / Cloud Panda Ph Inc.

  • Paysaved Payment Solutions

  • Paglaum Multi-Purpose Cooperative

  • Pasuyo Ventures Co.

  • Perpetual Help Multi-Purpose Coop - Tacloban

  • Phil. Prudential Life and Insurance Company

  • Philcare Inc.

  • Philippine Airlines (Pal)

  • Philippine Foundation For Cultural Education And Development

  • Philippine Top Lending Corporation

  • Philippine Women College Davao

  • Philtech Inc.

  • Pioneer Insurance And Surety Corp.

  • Pioneer Intercontinental Insurance Corp.

  • Pioneer Life Inc.

  • Pjh Lending Corporation

  • Pldt (Philippine Long Distance Company)

  • Pop TV

  • Progressive Bank Inc.

  • Provident Plans

  • Prudential Life And Insurace Company

  • Quezon 1 Electric Cooperative Inc.

  • Quezon Catv Inc. – Lucena

  • Rafi Microfinance Inc.

  • Ramon Magsaysay Memorial Colleges - General Santos

  • Ramon Magsaysay Memorial Colleges - Marbel

  • RCBC - Dwight Steel

  • RCBC - Consumer Loans

  • Rebitannce Inc.

  • Rhean Motor Center Inc.

  • Rimansi Mutual Solutions Insurance Agency Inc.

  • Riverside College Inc.

  • Royal Kites Travel & Tours

  • Rykom Financing Corporation

  • Samelco I

  • Samelco II

  • Santa Monica Homes

  • Sbt – Art Book Enterprise

  • Serviamus Foundation Incorporated

  • St. Mary's Academy of Capiz

  • St. Mary's Academy of San Nicolas

  • St. Alexius College Inc.

  • St. Joseph College Bacolod

  • St. Marys College of Tagum

  • St. Thomas more school of law and business Inc.

  • Shadows Travel And Tours

  • Shop4fun Inc.

  • Sky Horizon Tours And Event (Glerk Tours Inc.)

  • Skypay

  • Smart Communication Inc.

  • Smb (Sarap Mag-Biyahe) Travel And Tours

  • Socoteco II

  • Sole Searchin Travel Inc.

  • South Asialink Credit Corp.

  • Southeast Cable Tv Corporation

  • Southeast Cable Tv Corporation – Mauban

  • Silliman University

  • Strong Moto Centrum Inc.

  • Statefield School Inc.

  • Sti Alumni

  • Sti Education Service Grp. Inc

  • Sto. Nino De Cebu Finance Corp.

  • Suarez Arts Metal Technology Inc.

  • Subic Enerzon

  • Subic Water And Sewerage Co. Inc.

  • Sukelco (Sultan Kuadarat Electric Coop.)

  • Surigao Del Norte Electric Coop. (Surneco)

  • Surigao Electric Cooperative 1 (Surseco1)

  • The Lewis College Inc.

  • Teresa Water District

  • The Generics Pharmacy

  • Travbest Travel & Tours Co.

  • Travelcafe Vacations Intl.

  • Travelonline Phils. Travel Agency Inc.

  • Two Jadem Corporation

  • Ultimate Visa Corporation

  • Unisafe Marketing

  • Unicapital Finance And Investments Inc.

  • Unistar-Customer Account

  • Unitrade/Unicapital – Eq Trade Fee

  • Unitrade/Unicapital – Lodgement Fee

  • Unitrade/Unicapital – New Accounts

  • Unitrade/Unicapital – Seminar Registration Fee

  • Unitrade/Unicapital – Topup/Renewal

  • Unitrade/Unicapital – Upliftment Fee

  • Universidad De Zamboanga

  • University Of Cebu - (Lm)

  • University Of Cebu - Mambaling

  • University Of Cebu - Banilad

  • University Of Cebu College Of Medicine Foundation Inc.

  • University Of Cagayan Valley

  • University Of Mindanao- Davao

  • University Of Mindanao- Digos

  • University Of Mindanao- Panabo

  • University Of Mindanao- Tagum

  • Universtiy Of San Agustine Iloilo

  • University Of San Jose Recoletos

  • University Of Southern Philippines Foundation

  • University Of the Assumption

  • Valencia City (Bukidnon) Water District

  • Veco (Visayan Electric Cooeperative)

  • Vma Global College And Training Centers

  • Waters Phils. (Electro Group Inc.)

  • Wesky Cable Networks Castillejos Inc.

  • Wm Travel And Cruises Corp.

  • Zazu Lending Investor

  • Zenar Telecoms Inc.

ML Wallet

The ML Wallet App is M Lhuillier’s official mobile application that allows users to send and receive money, buy eload, pay bills and shop online using a smartphone.

The ML Wallet App is available for FREE in Google Play Store, Apple App Store and Huawei App Gallery.

With the ML Wallet App, you can perform the following services:

Send Money

Conveniently perform any of ML Wallet’s Send Money options: Wallet to Wallet, Kwarta Padala or Wallet to Bank* anytime, anywhere.

Buy eLoad

Easily buy or send load to your friends and family with just a few taps on your smartphone.

Pay Bills

Quickly pay your bills to over 400 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!

Add Money

Cash in by visiting the nearest M Lhuillier branch or add money through ML Wallet’s partner banks.

Receive Money

No time to visit an M Lhuillier branch to get your Kwarta Padala? Receive up to PHP 40,000.00** per transaction through your ML Wallet. Simply type the required Receive Money details after logging in!

Withdraw Money

Withdraw up to PHP 40,000** per day from any of the 2,600+ M Lhuillier branches nationwide. Find the nearest ML branch by clicking the Branch Locator in the App!

Buy Items*

Find the best prices and shop pre-loved jewelry, mobile phone accessories and other pawnable items in the ML Shop!

*Coming soon **for fully verified users only

Aside from these services, you can track your finances with ML Wallet’s upgraded Transaction History feature, find the nearest M Lhuillier branch with an in-App Branch Locator and check the latest Kwarta Padala rates anytime, anywhere.

Step 1: Download the ML Wallet App in Google Play Store, Apple App Store or Huawei App Gallery.

Step 2: Open the ML Wallet App once installed and click “Create Account” at the bottom of the home page.

Step 3: Fill in your desired Username, Password and 6-digit transaction PIN. Click “Submit” to proceed.

Step 4: Fill in the mandatory details for Personal Information step. Make sure to review the information entered. Click “Next” to proceed.

Step 5: Fill in the mandatory details for Address step. Click “Next” to proceed.

Step 6: For the first part of the Identification step, prepare one valid ID from the list of accepted IDs. Position the chosen ID within the frame then take a picture. Click “Next” to proceed.

Step 7: Take a live photo or a selfie for the final part of the Identification step. Click “Next” to proceed.

Step 8: For the Security step, please select and provide answers to three security questions. Click “Next” to proceed.

Step 9: Review and double check if the information is correct and accurate. Click “Next” to proceed.

Step 10: For the Verification step, please enter your mobile number to generate your One-Time PIN (OTP) and wait for an SMS confirmation. Enter the code to authenticate your device. 

That’s it! You are now a registered ML Wallet user.*

*Users who will undergo ML Wallet’s manual verification will be updated within 48 hours regarding their verification status.

Updating your profile is required to further enhance the security of your ML Wallet account.

Prepare one government-issued ID for automatic full verification of your account.

Here are some tips:

  • Check if your internet connection is stable.

  • Take a picture of your ID in a well-lighted area.

  • Make sure the picture is not blurry.

  • Double check if the ID type chosen is the same as the ID type uploaded.

Here are some tips:

  • Check if your internet connection is stable.

  • Make sure you take a selfie in a well-lighted area.

  • Make sure you’re not wearing glasses, face shield or any facial accessory.

  • Make sure your whole face is in the frame.

ML Wallet offers two verification levels, semi-verified and fully verified. A verification level determines your wallet size and transaction limits. See chart below for more details:

Semi-verifiedFully Verified*SME
Add MoneyPHP 40,000PHP 200,000 with a Php 50,000.00 limit per transactionCOMING SOON
Withdraw MoneyPHP 5,000 per dayPHP 200,000 with a Php 40,000.00 limit per transaction
Send MoneyPHP 10,000 per monthPHP 200,000 with a Php 50,000.00 limit per transaction
Receive MoneyPHP 40,000PHP 200,000 with a Php 50,000.00 limit per transaction
Pay BillsPHP 10,000 per monthPHP 200,000 with a Php 50,000.00 limit per transaction
Buy LoadPHP 750 per monthPHP 1,500 per month
Buy ItemsPHP 10,000 per monthPHP 200,000

Follow the steps below to upgrade to fully verified status in-App:

Step 1: Open ML Wallet App and log in.

Step 2: Click “My Account”.

Step 3: Tap My Profile and click “Get Fully Verified Now!”

Step 4: Upload one government-issued ID and take a Live Photo (selfie).

Visit any of the 2600+ M Lhuillier branches nationwide to add money to your ML Wallet account. You can either present your Add Money QR Code or fill up the ML Kwarta Padala Form.

Open ML Wallet and log in. Click the Send Money icon and choose a Send Money service. Fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Receive Money icon and fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Withdraw Money icon and enter amount to be withdrawn. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Pay Bills icon and select a biller category. Add biller and fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Buy eLoad icon and select or add a receiver. Choose a network then enter the mobile number and load amount or promo. Make sure to review all the details in Review Transaction step before proceeding.

You cannot cancel ML Wallet transactions. Make sure to review all the details in Review Transaction step before proceeding to avoid erroneous transactions.

Some ML Wallet services are free, some have fees. See table below for the breakdown:

MLW Fees

Starting March 2021, Withdraw Money will incur a minimal 0.5% charge until you reach the monthly limit of Php 20,000 total Withdraw Money transactions.

After reaching this limit, a charge of 1% will be applied each time you withdraw. The charge will be deducted automatically from your ML Wallet account after each successful transaction. Similar to when you withdraw more than PHP 100,000 for the month, a charge of 1.5% will be applied each time you withdraw.

The limit refreshes on the first day of each month. You can withdraw money for up to Php 20,000 for a minimal charge of 0.5% of the total amount per month.

Here is an example:


March 18, 2021 — You withdrew Php 10,000.00. This is your first Withdraw Money for March. 

Level 1 Monthly Limit 20,000.00
Withdraw Money (March. 18, 2021)10,000.00
Total Withdraw Money Transactions for March10,000.00
Is the total Withdraw Money amount more than the Level 1 Monthly Limit?NO
Amount ABOVE Level 1 Monthly Limit0.00
Charges (0.5%)50.00
Total Amount Deducted in MLW Account10,050.00

March 25, 2021 — You withdrew Php 15,000.00. This is your 2nd Withdraw Money for March. 

Level 1 Monthly Limit 20,000.00
Withdraw Money (March. 25, 2021) 15,000.00
Total Withdraw Money Transactions for March 25,000.00 (March. 6 + March. 25 txns)
Is the total Withdraw Money amount more than the Level 1 Monthly Limit? YES
Amount Remaining of the Level 1 Monthly Limit 10,000.00
Charges (0.5%)50.00
Amount ABOVE the Level 1 Monthly Limit 5,000.00
Charges (1%)50.00
Total Amount Deducted in MLW Account 15,100.00

*Why is the fee suddenly 1% for the remaining Php 5,000.00? Only the amount above the PHP 20,000 limit/month, PHP 5,000, is subject to the 1% service fee.

Computing fees for Add Money has the same logic as the Withdraw Money computation.   

Please keep your devices secure. Do not share your sensitive personal information, Username, Password or 6-digit PIN to anyone.

ML Wallet ensures the protection and safety of your account through the following:

  • Three-Factor Authentication Process

  • Account lock-in after five failed password attempts.

  • Five-minute idle time that logs out the ML Wallet Account automatically.

You can visit any of the 2600+ M Lhuillier branches nationwide to claim your money. Don’t forget to bring one valid ID before visiting the branch.

Yes, but you will be notified via text message and e-mail every time you access your ML Wallet account in a different device.

Internet connection is required for users to access and use the ML Wallet App.

Immediately call ML Customer Care for temporary deactivation of your account. See contact details in FAQ #5 of Troubleshooting.

Immediately ML Customer Care for temporary deactivation of your account. See contact details in FAQ #5 of Troubleshooting.

You can reset your password by clicking “Forgot Password” in ML Wallet’s log-in page. You may also contact ML Customer Care to reset your password. See contact details in FAQ #5 of Troubleshooting.

You can reset your Transaction PIN by clicking “Forgot PIN” on any of the validation steps before proceeding with ML Wallet transactions. You may also contact ML Customer Care to reset your PIN. See contact details in FAQ #5 of Troubleshooting.

Please contact the following Customer Care Hotlines:

Toll Free Number


Telephone Numbers

(032) 348-9400

(02) 8898-1888

Mobile Numbers

SMART +63 947-999-0337

+63 947-999-2721

+63 947-999-0522

GLOBE +63 917-871-2973

Email Address


ML Express

As accredited money transfer agents of M Lhuillier, ML Express outlets are authorized to receive cash for sending to another ML Express outlet, M Lhuillier branch, or partner-agent in the Philippines. Customers can go to the ML Express outlet to send or receive cash just like they do at any M Lhuillier branch or remittance partner.

  • Accomplish the accreditation application form

  • Once accredited, the ML Express Business Partner is issued a unique ML Wallet account with a start-up operating fund of P25,000


  • Receive money from the customer

  • Send the amount through the ML Kwarta Padala System

  • The amount will be debited from your ML Wallet account


  • Ask for the customer’s Kwarta Padala Transaction Number (KPTN)

  • Confirm the KPTN through the ML Kwarta Padala system

  • Once the KPTN is validated, the ML Express Business Partner then releases cash from their ML Wallet

It’s quick, smart, convenient, and with fast returns!

1. Fill Out the Accreditation Form #

Fill out the ML Express Business Partner accreditation form here and click “submit”. An ML Express Officer will then contact you to proceed with your accreditation. Have the following documents ready and submit them the ML Express Officer handling your accreditation:

  • Company/Business Profile

  • Corporate Officer’s/Sole Proprietor’s Personal Profile

  • NBI Clearance

  • DTI/SEC Registration

  • Business Permit or License (Money Remittance Service)

  • BIR Certificate of Registration(Form 2303)

  • AMLA certificate of Attendance

  • Valid Identification Card

2. Remit the Investment #

Remit an investment amount of P99,000 to M Lhuillier and collect your start-up package, which includes:

  • ML Wallet load of P25,000 as start-up operating fund

  • Tablet with Keyboard and Mouse

  • Wi-Fi Printer

  • ML Kwarta Padala System

  • Marketing Collateral

3. Dress Up Your Site #

Dress up your site with the ML Express marketing items and enjoy the perks of being an ML Express Business Partner.


We get our diamonds from all over the world. Most of the small stones come from the cutting centers of India. Larger stones come from Israel, Belgium and Hongkong. We have different suppliers.

The sources of our mounted stocks are from our manufacturing, plus some items purchased from Hongkong suppliers.

The sources of our gold stocks are from Italy, Spain, Local and Japan.

Black pearls come from Tahiti & Australia. Other pearls come from Japan, China and Philippines. Salt water pearls are from Japan. Fresh water pearls are from China. Fresh water is lesser in price but the quality is almost the same.

Blue Sapphire & Ruby come from Thailand. Also, ruby comes from Burma. South America produces Emerald.

This is not our policy. Certified goods cost more.

If pawned in any of our branches, it will be 50% of net price attached our sales invoice.

We based our price from the current price of gold. Also, prices of gold changes from time to time.

We produce our own merchandise. We have a jewelry manufacturing except those that are made from Italy like Italian gold.

No. We can guarantee it is real. Rematado goods are displayed at our pawnshop branches.

Trade-in is allowed any time- Regular, Mall wide, Super & Special Sale.

Prenda-palit is allowed any time- Regular, Mall wide, Super & Special Sale.

Insurance Plan

M Lhuillier offers Pinoy Protect Plus, Family Protect Plus, Pawners Protect, Family Protect, and Kwarta Padala Protect.

To make a claim, here are the things you need to prepare:

  • Original Copy of the Certificate of Insurance (COI)

  • Incident, Police, or Barangay report

  • Properly filled-up personal accident claim form

  • Medico-legal or death certificate

  • Insured person’s valid I.D. card

  • Birth certificate (if single); Marriage contract (if married)

  • Beneficiary’s birth certificate

  • Proof of transaction with ML branch

Step 1: #

The claimant shall report the incident at any M Lhuillier branch nationwide. FLA shall notify ISPD of the incident.

Step 2: #

Notice of insurance claim should be made within thirty (30) days after the date of the accident to avoid denial of the claim.

Step 3: #

ISPD will provide a list of requirements to the branch for the claimant’s completion.

Step 4: #

Once the claimant completes the requirements, the case will undergo evaluation and investigation.

Step 5: #

Should there be no additional requirement and the case has been evaluated and approved, check payment will then be processed for the rightful beneficiary.


Not yet. For now, only branches tagged here have domestic package delivery such as walk-in and Shopee Returns.

Simply bring your package and go to the nearest ML branch with logistics services. Present it to the staff for checking, fill-up a form and pay.

For now, we only accept packages that can fit in our pouches. This is applicable for domestic walk-in transactions.

For the domestic delivery, please click here. For international delivery, please call our customer care hotline.

Not yet. For now, only branches listed here can accept international shipments.

Simply bring your package and go to the nearest ML branch with logistics services. Present it to the staff for checking, fill-up a form and pay. Bulky packages are acceptable for international delivery.

Yes. You may track your domestic deliveries here and your international deliveries here

We do not accept packages with dangerous and illegal goods. For the full details of items prohibited for shipment, please call our customer care hotline.

For the full instructions on how to return your items to Shopee for FREE, click here. For the detailed conditions and serviceable areas for Shopee Returns via M Lhuillier, click here.

For now, below are the areas covered by our domestic delivery:

  • Metro Manila

  • Laoag City, Ilocos Norte

  • Vigan City, Ilocos Sur

  • Tuguegarao City, Cagayan Valley

  • Bangued, Abra

  • Cauayan City, Isabela

  • Santiago City, Isabela

  • San Fernando, La Union

  • Baguio City, Benguet

  • Pangasinan Province

  • Tarlac City, Tarlac

  • Cabanatuan City, Nueva Ecija

  • Pampanga Province

  • Bulacan Province

  • Subic, Zambales

  • Olongapo City, Zambales

  • Balanga City, Bataan

  • Rizal Province

  • Laguna Province

  • Cavite Province

  • Lipa City, Batangas

  • Batangas City, Batangas

  • Lucena City, Quezon

  • Daet, Camarines Norte

  • Naga City, Camarines Sur

  • Tabaco City, Albay

  • Legaspi City, Albay

  • Sorsogon City, Sorsogon

  • Puerto Princesa City, Palawan

  • Kalibo City, Aklan

  • Iloilo City, Iloilo

  • Bacolod City, Negros Occidental

  • Dumaguete City, Negros Oriental

  • Tagbiliran City, Bohol

  • Metro Cebu (Cebu City, Mandaue City, Lapu-lapu City, Minglanilla, Lilo-an)

  • Tacloban City, Leyte

  • Butuan City, Agusan Del Norte

  • Cagayan De Oro City, Misamis Oriental

  • Iligan City, Lanao Del Norte

  • Ozamis City, Misamis Occidental

  • Valencia City, Bukidnon

  • Zamboanga City, Zamboanga Del Sur

  • Cotabato City, Maguindanao

  • Davao City

  • General Santos City

For the list of countries covered by our international delivery, please call our customer care hotline.

Diamond Card

  • Open to all ML customers aged 18 and above.

  • To apply for an ML Diamond Card, customers must accomplish the following requirements:

    • Duly accomplished Know-Your-Customer (KYC) form

    • ML Kwarta Padala, Quick Cash Loans or Jewellers transaction.

  • The ML Diamond Card will be provided to the customer upon submission of requirements at the M Lhuillier branch.

  • Membership will be activated within 24 hours.

  • To update personal information such as last name, marital status, address, and phone numbers, cardholders can head to any branch nationwide for assistance.

You can earn points through any of these M Lhuillier transactions:

Kwarta Padala #

  • Domestic transactions: one (1) point for every Php 50.00 worth of transaction fees

  • International transactions: receiver will receive one (1) point per transaction regardless of the amount

Quick Cash Loans (QCL) #

One (1) point for every Php 50.00 paid as interest fee for Lukat, Renewal, or Reappraisal QCL transactions.

Jewellers #

  • One (1) point for every Php 100.00 full payment for outright sales and layaway transactions.

  • One (1) point earned is equivalent to one (1) Philippine Peso.

  • Points are earned through transactions from all of the 2,500+ M Lhuillier branches nationwide.

  • Points will be credited to the customer’s ML Diamond Card account within 24 hours from the transaction.

  • Points are redeemable up to three (3) years after the point was earned.

  • To convert your points to Peso credits, inform the Frontline Associate at any M Lhuillier branch and present your ML Diamond Card and a valid ID.

  • Peso credits can be used to pay for Kwarta Padala and QCL transaction fees or jewelry purchases.

  • Points cannot be earned for the following transactions:

    • CBN Asia Foundation

    • Bantay Bata Foundation

    • Kapit Bisig para sa Ilog Pasig Foundation

    • Other transactions with zero fees

  • Subsequent transactions that use points to offset fees are not entitled to earn points.

  • Points are not transferable and not convertible to cash.

General Questions

You may contact us through the following numbers:

Toll-Free Hotline (for PLDT only) 




(032) 348-9400 to 09

(02) 8898-1888


Smart (Call & Text)

0947 999 0337

0947 999 2721

0947 999 0522


Globe (Call Only)

0917 871 2973


You may also send us an email through:



For more information and updates, visit our official Facebook page:


We are wherever you are!   We have more than 2,500 ML branches all over  the Philippines.

We also have grown our presence in the US (particularly in California) and you can access our ML Remit website all over the US to send money to the Philippines.


Our extensive network of partners all over the globe allows your love ones to easily send money from abroad to the Philippines!


Truly, M Lhuillier is your bridge to financial convenience no matter where you are in the world.

Almost all of our branches are open seven days a week except on these days:

  •  New Year’s Day (January 1)

  •  Good Friday,

  •  All Saints’ Day (November 1)

  •  Christmas Day (December 25).

We also have 24/7 locations in key cities of the country.

Yes. M Lhuillier is available in the USA (California and Las Vegas). In the other US states, customers can send money thru the ML Remit website.

In other countries all over the world, international remittance is available through our international partners*.

We have a customer hotline number which you can call: 1-800-105-723-252. The Customer Care Center will be the one to resolve your issues or concerns in any of our branches.

Bills Payment Partners

Bills Payment Partners:
AUB Credit Cards (Asia United Bank)Davao Light & Power Company Inc.
AXA Philippines Life Insurance Dibble Xpress
CorporationDigital Telecommunications Philippines Inc.
Angeles Electric CompanyDigitel Mobile Philippines, Inc.
AsialinkDragon Games
BPI Credit CardDragon Loans
Baguio City Water DistrictDragonpay
Batangas I Electric Cooperative Inc.Easytrip - EasyDrive
Batangas II Electric Cooperative Inc.Enterprise Bank Loan
Bayan TelecommunicationsFirst Laguna Electric Cooperative Inc.
Bayanihan FlatsFirst Peak Resources and Technologies
Benguet Electric Cooperative Inc.Global Dominion Financing Inc
Boracay Island Water CompanyGlobe Landline (Innove Communications)
Bp Waterworks Inc.Globe Mobile Postpaid (Globe Telecommunications)
CLC (Central Luzon Cable)Golden Eagle Cable
CNWD (Camarines Norte Water District)Golden Heaven Memorial Park
COCOLIFE (United Coconut Planters Life Assurance Corp)Goodhands Water Specialists
CTBC Bank PhilippinesHBI (Honeycomb Builders Inc)
Cable TelevisionHM CATV Inc (Home Cable)
CablelinkHappy Well Management and Collection Services Inc
Cagayan De Oro WaterHi-Tech Cable TV Inc
Cagayan Electric Power And Light Home Credit Philippines
Company IncHome Lipa Cable Inc
Camarines Norte Electric CooperativeITI Air
CarissaIlocos Norte Electric Cooperative Inc.
Cavite CableSSS (Calamity Loan)
Cebu II Electric CooperativeSSS (Contribution)
Cignal TVSSS (Educational Loan)
Clark WaterSSS (Misc)
ComClark Network and Technology CorpSan Clemente Cable
Iloilo I Electric Cooperative Inc.Santa Maria Water District
Insular Savers BankSkyjet Airlines
Isla Cable TV Services IncSmart Communications Broadband
Laguna Water CorporationSorsogon II Electric Cooperative, Inc
Legazpi City Water DistrictSouth Asialink Credit Corp
Leisure World CableSouth Luzon CATV Inc
Mabalacat City Water DistrictSta. Lucia Reality & Development Inc
Manila Water CompanySubic Enerzone Corporation
Manila Water Philippine VenturesSuburban Cable Network
Maynilad Water ServicesSumisho Motor Finance Corp
Metropolitan Cebu Water DistrictSurigao Del Sur I Electric Cooperative, Inc
MyCloud Cable and Internet (Three Lights Mngt.)TAWAD (Tabaco City Water District)
NSOHelplineTagum Coop
National Bureau of InvestigationTarlac Cable TV Inc
Norkis FinancialTarlac II Electric Cooperative Inc.
Nueva Ecija II Electric Cooperative Area 1Unistar Credit Corp
Nueva Ecija II Electric Cooperative Area 2VIA.com
Olongapo Electricity Distribution Company Inc.Verdant Cable
Optimum BankVisayan Electric Company
PARASATZambales I Electric Cooperative Inc
PLDT (Cruztelco, Maratel, Subictel, Clarktel, Philcom)Zambales II Electric Cooperative Inc
POEA Overseas Employment Certificate (OEC)ePrime Business Solution
Pag-IBIGiConnex Healthcare Solutions
Pampanga I Electric Cooperative Inc.Brightmoon Cable
Pampanga II Electric Cooperative Inc.Calumpit Water District
Pampanga III Electric Cooperative Inc.Converge ICT Solutions Inc
Pampanga Rural Electric Cooperative Inc.EASYCASH
Paramount Life and General Insurance CorpFINASWIDE Credit Corp
PawnOneFirst MFI Network Lending
Peninsula Electric Cooperative Inc.GlobalLand
Pera AgadJMD Cable Network
PesoPayJMY Advantage
PhilSmile IncMaybridge
Pili Water DistrictMET Cable
Pilipino CableNorthstar Cable
Prime Water Infrastructure CorporationPhilippine Airlines
Primecast Cable TVPlaridel Water District
Professional Regulation CommissionPlus Cable
RS Property ManagementSERVEFIRST-Philippines
Receivable Management GroupSmart Bro
Royal CableSorsogon Water District
SITELCO (Southern Iloilo Telephone Company)SSS (PESO Fund)
SKY CableSSS (Real-Estate Loan)
Cotabato LightSSS (Restructuring Loan)
DCTV CableSSS (Salary Loan)
Daraga Water DistrictTagum Water District
Davao Del Sur Electric Cooperative