Quick Cash Loans
All branches in Visayas and Mindanao accept motorcycle as collateral.
Here are the LNCR branches that accept motorcycle as collateral.
ML Tabaco 2, Albay
ML Legazpi 2, Albay
ML Oas, Albay
ML Cumadcad, Sorsogon
ML Irosin, Sorsogon
ML Gubat, Sorsogon
ML Milagros, Masbate
ML San Jacinto, Masbate
ML Cawayan, Masbate
ML Daet 3, Camarines Norte
ML Bagumbayan Sur, Naga
ML San Nicolas, Iriga, Camarines Sur
ML Lipa 1, Batangas
ML Batangas 3
ML Nasugbu, Batangas
ML Calapan 3, Oriental Mindoro
ML Victoria, Oriental Mindoro
ML Pinamalayan 2, Oriental Mindoro
ML Bongabong, Oriental Mindoro
ML Tanauan 4, Batangas
ML Sto. Tomas 1, Batangas
ML Rosario 2, Batangas
ML San Juan, Batangas
ML San Jose 1, Occidental Mindoro
ML San Jose 2, Occidental Mindoro
ML Mamburao, Occidental Mindoro
ML Candelaria 2, Quezon
ML United Bayanihan
ML Sta. Cruz
ML Mayapa, Calamba
ML Pamplona Tres, Las Piñas
ML Divisoria, Manila
ML Avenida, Manila
ML Sta. Lucia, Pasig
ML Banaba, San Mateo
ML Montalba 3
ML Bagong Silang 1, Caloocan City
ML Bagong Silang 2, Caloocan City
ML Shorthorn, Quezon City
ML Katipunan Quezon City
ML Longos, Malabon City
ML Tungkong Mangga 1, San Jose del Monte
ML Bulakan, Bulacan
ML Tangos, Baliuag
ML San Rafael, Bulacan
ML Bulaon, San Fernando
ML Friendship 1, Angeles
ML Tabun, Angeles
ML Mexico, Pampanga
ML San Jose City 2, Nueva Ecija
ML Carranglan, Nueva Ecija
ML Crossing, Cabanatuan, Nueva Ecija
ML Talavera 3, Nueva Ecija
ML Sta. Rosa 2, Nueva Ecija
ML San Jacinto, Pangasinan
ML Urdaneta 2, Pangasinan
ML Burgos, Pangasinan
ML Concepcion 2, Tarlac
ML Subic 2, Zambales
ML Santiago 4, Isabela
ML Santiago 5, Isabela
ML Jones, Isabela
ML Mallig, Isabela
ML Santiago 6, Isabela
ML Bambang 3, Nueva Vizcaya
ML Maddela 1, Quirino
ML Legarda, Baguio
ML San Fernando 2, La Union
ML Narvacan Mall, Ilocos Sur
ML Bangued 1, Abra
ML San Juan, Ilocos Sur
ML Pasuquin, Ilocos Norte
ML Solsona, Ilocos Norte
ML Aparri 1, Cagayan
ML Allacapan, Cagayan
ML Junction Luna, Cagayan
ML Sta. Teresita, Cagayan
ML Iguig, Cagayan
ML Tabuk, Kalinga
ML Tuguegarao 4, Cagayan
ML Cauayan 1, Isabela
ML Cauayan 3, Isabela
ML Ilagan 2, Isabela
Fill out the form provided.
Present a valid I.D.
Give your item to the branch personnel for appraisal.
Get your cash and loan ticket.
Gold and Diamond Jewelry
Motorcycle (selected branches in Cebu only)
Hand over the signed loan ticket to the branch personnel.
Present a valid I.D along with your payment.
Claim the item.
Jewelry items can be renewed in any M Lhuillier branch, except for OPI.
Hand over the signed loan ticket to the branch personnel.
Present a valid I.D along with your payment
Affix your signature on the new loan ticket
Claim the new loan ticket
Asia United Bank (AUB)
At & Service
Atin Ito Remittance Ltd.
Ayannah Business Solutions Inc
Bank of Commerce
BDO (Banco de Oro Remittance)
BM Express Online
BTI Courier Express Inc.
Cash Express/Al Ansari Exchange API
Citi Express Payment Phils.
Czarina Foreign Exchange
Development Bank of the Philippines (DBP)
EEC/Goldstar Philippines Inc.
Family Express Canada Limited
Fastpay International LTD.
Fastremit Service Inc.
Fil-Asia Cargo Forwarder
Jalandoni Foreign Exchange & Remittance
Japan Remit Finance
Kabayan Remittance Canada
Kabayan Remittance Japan
Keb Hana Bank
Kuwait India International Exchange
LMI Express Delivery (Lucky Money)
Lulu Money/Lulu Remit/Lulu Echange
Mass Express Singapore
Metro Express Upload
Metrobank Head Office
Money Exchange Spain
Murillo Travel and Remittance Services
New York Bay
Northern Union Remittance
Optimum Exchange Remit Inc API
Pacific Ace API
Pay2Home Remittance Services
Peramax (GRANSTAR GLOBAL SERVICES )
Pinoy Express Foriegn Exchange Guam
Pinoy Hatid Padala
Pinoy Remit NZ
PLDT Global Inc.
Reliable Peso Remit
Rewire – Research and Development Ltd
Salazar Kwarta Padala
Signed and Delivered Inc. (also known as GEMINI)
Sigue Money Transfer / Coinstar
Skycash Remittance corporation
Steadfast Money Transfer PTE LTD.
TML Remittance Center
Unilink Express Payment Phils. Inc.
UREMIT Int’l Corp API
Worldcom International Communications (WIC)
World Remit Limited
Accountech Learning Center
Bearflair Travel and Tours
Biocare Multipurpose Cooperative
Citi Appliance MC Corp.
E Creation (hataw.ph)
Fastnet Commu. Inc./ Bigfish Manila
GS Logistic Inc.
Haiper Apps Online Store
Hello Ph Tourism
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
Smartlink Technologies and Business Solutions Co.
Sugbutel Family Hotel
SVR Infinity Trading
Travmagnet Travel Agency
Vismin GV Hotel Inc.
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
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
Balamban Water District
Basic Water Enterprises Inc.
Batangas Catv Inc.
Batangas Catv Inc. – Bauan
Batangas Catv Inc. – Mabini
Bigstart Travel & Visa Assistance
Boardwalk Business Ventures Inc.
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.
Buenavista Catv Inc.
Bulacan MWPV Development Inc.
Bulakan Water Company Inc.
Calasio Water Company Inc.
Calbayog Water Company Inc.
Camarines Sur Electric Cooperative III
Carcar Water Distrcit
Card Pioneer Microinsurance Inc.
Card MRI (payment to head card office)
Caritas Finacial Plans Inc.
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.
Centro Escolar University
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
Cor Jesu College
Crocolandia Foundation Inc.
Csw – Iloilo Inc.
Ctbc Bank Phils. Inc.
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.
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
Foundation For Values Training Inc.
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- San Fernando
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
Honda Des Inc.
Icct Colleges – Antipolo
Ileco 3 (Iloilo Iii Electric Cooperative Inc.)
Indiana Aerospace University
Imperial Appliance PLaza
Ios Marketing Corp.
Island Rose (Philippine Cut Flower Corp.)
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
La Salle University Ozamiz Inc
La Trinidad Water District
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
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
Mosimeet Corporation / Icon
My Pocket Doctor 250
My Pocket Doctor 450
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
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
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
Philippine Airlines (Pal)
Philippine Foundation For Cultural Education And Development
Philippine Top Lending Corporation
Philippine Women College Davao
Pioneer Insurance And Surety Corp.
Pioneer Intercontinental Insurance Corp.
Pioneer Life Inc.
Pjh Lending Corporation
Pldt (Philippine Long Distance Company)
Progressive Bank Inc.
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
Rhean Motor Center Inc.
Rimansi Mutual Solutions Insurance Agency Inc.
Riverside College Inc.
Royal Kites Travel & Tours
Rykom Financing Corporation
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
Sky Horizon Tours And Event (Glerk Tours Inc.)
Smart Communication Inc.
Smb (Sarap Mag-Biyahe) Travel And Tours
Sole Searchin Travel Inc.
South Asialink Credit Corp.
Southeast Cable Tv Corporation
Southeast Cable Tv Corporation – Mauban
Strong Moto Centrum Inc.
Statefield School Inc.
Sti Education Service Grp. Inc
Sto. Nino De Cebu Finance Corp.
Suarez Arts Metal Technology Inc.
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
Unicapital Finance And Investments Inc.
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.
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.
With the ML Wallet App, you can perform the following services:
Conveniently perform any of ML Wallet’s Send Money options: Wallet to Wallet, Kwarta Padala or Wallet to Bank* anytime, anywhere.
Easily buy or send load to your friends and family with just a few taps on your smartphone.
Quickly pay your bills to over 400 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!
Cash in by visiting the nearest M Lhuillier branch or add money through ML Wallet’s partner banks.
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 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!
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.
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:
|Add Money||PHP 40,000||PHP 200,000 with a Php 50,000.00 limit per transaction||COMING SOON|
|Withdraw Money||PHP 5,000 per day||PHP 200,000 with a Php 40,000.00 limit per transaction|
|Send Money||PHP 10,000 per month||PHP 200,000 with a Php 50,000.00 limit per transaction|
|Receive Money||PHP 40,000||PHP 200,000 with a Php 50,000.00 limit per transaction|
|Pay Bills||PHP 10,000 per month||PHP 200,000 with a Php 50,000.00 limit per transaction|
|Buy Load||PHP 750 per month||PHP 1,500 per month|
|Buy Items||PHP 10,000 per month||PHP 200,000|
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:
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 March||10,000.00|
|Is the total Withdraw Money amount more than the Level 1 Monthly Limit?||NO|
|Amount ABOVE Level 1 Monthly Limit||0.00|
|Total Amount Deducted in MLW Account||10,050.00|
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|
|Amount ABOVE the Level 1 Monthly Limit||5,000.00|
|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.
Please contact the following Customer Care Hotlines:
Toll Free Number
SMART +63 947-999-0337
GLOBE +63 917-871-2973
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
SEND-OUT TRANSACTIONS #
Receive money from the customer
Send the amount through the ML Kwarta Padala System
The amount will be debited from your ML Wallet account
RECEIVE TRANSACTIONS #
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:
Corporate Officer’s/Sole Proprietor’s Personal Profile
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
ML Kwarta Padala System
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.
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.
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 now, below are the areas covered by our domestic delivery:
Laoag City, Ilocos Norte
Vigan City, Ilocos Sur
Tuguegarao City, Cagayan Valley
Cauayan City, Isabela
Santiago City, Isabela
San Fernando, La Union
Baguio City, Benguet
Tarlac City, Tarlac
Cabanatuan City, Nueva Ecija
Olongapo City, Zambales
Balanga City, Bataan
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
General Santos City
For the list of countries covered by our international delivery, please call our customer care hotline.
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.
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.
You may contact us through the following numbers:
Toll-Free Hotline (for PLDT only)
(032) 348-9400 to 09
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)
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|
|Corporation||Digital Telecommunications Philippines Inc.|
|Angeles Electric Company||Digitel Mobile Philippines, Inc.|
|BPI Credit Card||Dragon Loans|
|Baguio City Water District||Dragonpay|
|Batangas I Electric Cooperative Inc.||Easytrip - EasyDrive|
|Batangas II Electric Cooperative Inc.||Enterprise Bank Loan|
|Bayan Telecommunications||First Laguna Electric Cooperative Inc.|
|Bayanihan Flats||First Peak Resources and Technologies|
|Benguet Electric Cooperative Inc.||Global Dominion Financing Inc|
|Boracay Island Water Company||Globe 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 Philippines||HBI (Honeycomb Builders Inc)|
|Cable Television||HM CATV Inc (Home Cable)|
|Cablelink||Happy Well Management and Collection Services Inc|
|Cagayan De Oro Water||Hi-Tech Cable TV Inc|
|Cagayan Electric Power And Light||Home Credit Philippines|
|Company Inc||Home Lipa Cable Inc|
|Camarines Norte Electric Cooperative||ITI Air|
|Carissa||Ilocos Norte Electric Cooperative Inc.|
|Cavite Cable||SSS (Calamity Loan)|
|Cebu II Electric Cooperative||SSS (Contribution)|
|Cignal TV||SSS (Educational Loan)|
|Clark Water||SSS (Misc)|
|ComClark Network and Technology Corp||San Clemente Cable|
|Iloilo I Electric Cooperative Inc.||Santa Maria Water District|
|Insular Savers Bank||Skyjet Airlines|
|Isla Cable TV Services Inc||Smart Communications Broadband|
|Laguna Water Corporation||Sorsogon II Electric Cooperative, Inc|
|Legazpi City Water District||South Asialink Credit Corp|
|Leisure World Cable||South Luzon CATV Inc|
|Mabalacat City Water District||Sta. Lucia Reality & Development Inc|
|Manila Water Company||Subic Enerzone Corporation|
|Manila Water Philippine Ventures||Suburban Cable Network|
|Maynilad Water Services||Sumisho Motor Finance Corp|
|Metropolitan Cebu Water District||Surigao Del Sur I Electric Cooperative, Inc|
|MyCloud Cable and Internet (Three Lights Mngt.)||TAWAD (Tabaco City Water District)|
|National Bureau of Investigation||Tarlac Cable TV Inc|
|Norkis Financial||Tarlac II Electric Cooperative Inc.|
|Nueva Ecija II Electric Cooperative Area 1||Unistar Credit Corp|
|Nueva Ecija II Electric Cooperative Area 2||VIA.com|
|Olongapo Electricity Distribution Company Inc.||Verdant Cable|
|Optimum Bank||Visayan Electric Company|
|PARASAT||Zambales I Electric Cooperative Inc|
|PLDT (Cruztelco, Maratel, Subictel, Clarktel, Philcom)||Zambales II Electric Cooperative Inc|
|POEA Overseas Employment Certificate (OEC)||ePrime Business Solution|
|Pag-IBIG||iConnex 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 Corp||FINASWIDE Credit Corp|
|PawnOne||First MFI Network Lending|
|Peninsula Electric Cooperative Inc.||GlobalLand|
|Pera Agad||JMD Cable Network|
|Pili Water District||MET Cable|
|Pilipino Cable||Northstar Cable|
|Prime Water Infrastructure Corporation||Philippine Airlines|
|Primecast Cable TV||Plaridel Water District|
|Professional Regulation Commission||Plus Cable|
|RS Property Management||SERVEFIRST-Philippines|
|Receivable Management Group||Smart Bro|
|Royal Cable||Sorsogon Water District|
|SITELCO (Southern Iloilo Telephone Company)||SSS (PESO Fund)|
|SKY Cable||SSS (Real-Estate Loan)|
|Cotabato Light||SSS (Restructuring Loan)|
|DCTV Cable||SSS (Salary Loan)|
|Daraga Water District||Tagum Water District|
|Davao Del Sur Electric Cooperative|