Through the years, M Lhuillier has been helping Filipino families achieve their dreams and fulfill immediate financial needs through Quick Cash Loans.

With 3,000 M Lhuillier branches nationwide, the ML Quick Cash Loan is one of the most widely available and trusted money lending services across the country.

With the highest appraisal and lowest interest rates in the industry, you’ll definitely get the value you deserve in every transaction. M Lhuillier’s well-trained and friendly staff makes sure that you get fair and reliable appraisals and are committed to keeping your transactions confidential.

Safe and Secure Transactions #

At M Lhuillier, safety and security are our topmost priorities. Your collateral items are securely packaged and stored in a “safe within a vault” for added security throughout the pendency of your loan. Every branch of M Lhuillier is also equipped with closed-circuit television (CCTV), fire alarm, and monitored security systems.

Renew Your Loan Anywhere #

You have the option to renew your loan when it falls due at any branch of your choice! With M Lhuillier’s efficient and high-quality technology-based system, you don’t need to return to the branch where you processed your loan, except for OPI prenda.

What items can I use as collateral? #

  • Gold and Diamond Jewelry

  • Cellular Phones

  • Laptops/Macbooks

  • Tablets/Ipads

  • Cameras

  • Kitchenware

  • Silverware

  • Home Appliances

  • Cookware

  • Ray-Ban Sunglasses

  • Power Tools

  • Guitars

  • Medical Equipment

  • Bicycle

  • Nintendo

  • Sewing Machine

  • Watches

  • Motorcycle (selected branches nationwide) - Please see below for the list of branches that accept motorcycles for collateral*

  • Car (selected branches in Cebu and Negros Occidental) - Please see below for the list of branches that accept cars for collateral*

How to Apply for a Loan #

  • 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.

How to Redeem Your Pawned Item #

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

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

  • Claim the item.

How to Renew/Extend Your Loan #

  • 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


Sample Computation #

M Lhuillier offers high appraisal rates and low interest rates with a fast, easy, and reliable system to meet the needs of the paMLyang Pilipino.

A P 12,000 renewed transactions for 3 months will have a total interest charge of 13% plus 5.00 service charge amounting P 1,565. For redemption, it will have an interest charge of 10% amounting to P 13,200.

Renew Formula: #

Month 1= 3% + Month 2= 5% + Month 3= 5% + P 5.00 service charge

Formula: Principal amount x 13% total interest + P 5.00= Total Renewal Amount

Sample: P 12,000.00 X 13% + 5= P 1,565.00

Redeem Formula: #

Principal x 10% = Total Redemption Amount

Sample: P 12,000.00 X 10% + (12,000 principal amount)= P 13,200.00

APR = 40.72% - 52.89%

The minimum and maximum period for repayment of loan is 1 and 120 days, respectively.

Get started on your Quick Cash Loan today! Visit your nearest M Lhuillier branch to avail of a free appraisal.

Terms and Conditions #

1. The pawner hereby accepts the pawnshop’s appraisal as proper.

2. The pawner agrees on the interest rates imposed in this contract of pledge.

In case of dispute, the regular courts of law have the vested power to determine the reasonableness and legality of interest rates. The pawnshop hereby agrees not to collect advance interest for a period of more than one year.

 3. The service charge is equivalent to one percent (1%) of the principal loan, but shall not exceed five pesos (P5.00). No other charges shall be collected,

4. This loan is renewable for such amount and period as may be agreed upon between the pawnshop and the pawner subject to the same requirements for a new loan.

5. Upon maturity of this loan, as indicated on the face of this ticket, the pawner has ninety (90) days from maturity date within which to redeem the pawn by paying the principal loan plus the interest that shall have accrued thereon.

6. The amount of interest due and payable after the maturity date of the loan up to the redemption period shall be computed upon redemption at the rate of interest provided in No. 2 above based on the sum of the principal loan and the interest earned as of the date of maturity. Any additional penalty and/or interest shall also be computed in the same manner. For purposes of computing the amount of interest for pledge loans paid after maturity date, a fraction of the original term of the loan agreed upon shall be considered as one full term.

7. The pawnshop shall notify the pawner of any change of its business address/location through: (1) publication in English and in Filipino or in the local dialect in two (2) daily newspapers of general circulation in the city or municipality where the pawnshop is closing business; and (2) posting in English and in Filipino or in the local dialect for one (1) month after date of publication in a conspicuous place in the premises to be vacated and to be transferred to.

8. The pawner shall advise the pawnshop of any change of address/contact number/email address/fax number.

9. The pawner and the pawnshop agree that the notice of auction sale shall be delivered via   𐄂 email, 𐄂 SMS, 𐄂 fax or 𐄂 registered mail or courier at _________________ (check box of agreed mode and indicate the email address; mobile phone no.; fax no,; or complete residential address, as maybe appropriate in the space provided). In case no mode of notification is agreed upon, the default shall be via ordinary mail. The pawnshop shall have the right to sell or dispose of the pawn in public auction if the pawner fails to redeem it within the ninety (90) day grace period. The pawnshop shall send the reminder to the pawner on or before the expiration of the ninety (90) day grace period.

10. This ticket shall be surrendered at maturity date upon payment of the loan. In case of loss or destruction of this ticket, the pawner hereby undertakes to personally present an affidavit of loss to the pawnshop before the redemption period expires.

The pawnshop has two (2) days to decide whether to accept; (1) the affidavit in place of the original pawn ticket; or (2) to issue a substitute pawn ticket, thereby canceling the original.

11. In case of pre-payment of this loan by pawner, the interest collected  in advance shall accrue in full to the pawnshop.

12. The pawner shall not be entitled to the excess of the public auction sale price over the amount of principal, interest and service fee; neither shall the pawnshop be entitled to recover the deficiency from the pawner.

13. The pawnshop shall exercise reasonable care and caution that an ordinary prudent person would as to his own property over the thing pawned in accordance with Republic Act No. 386 (Civil Code of the Philippines) as amended. Accordingly, the pawnshop shall insure all pawned items, except those which are kept inside a fireproof vault, in accordance with the pertinent regulations of the Bangko Sentral ng Pilipinas. Claims for restitution by pawners in case of loss, destruction or defect of the pawn due to robbery, fire and other fortuitous event, with or without the fault or negligence of the pawnshop, its owner, managing partner, directors and officers are cognizable by regular courts.

14. The pawnshop/pawnee shall not be liable for loss or damage of the pawn due to fortuitous events or force majeure, when the loss is due to the fault and/or negligence of the pawnee, the amount of its liability, if any, shall be limited to the appraised value appearing on the face hereof.

15. In case this loan is not paid on maturity date, the pawner hereby agrees to pay in addition to accrued interest, 2% per month of the principal, as liquidated damages. For purposes of computing the amount of liquidated damages, a fraction of a month shall be considered as one (1) full month. The pawnshop may at its sole option allow redemption of pawn after expiration of the 90-day grace period upon payment by the pawner of the loan principal plus interest due and liquidated damages at the rates and manner of corruption herein prescribed.

16. The authorized representative shall present a valid identification papers.

17. Venue of all judicial and administrative cases or proceedings and other legal incidents arising out of or in connection with this contract shall solely and exclusively be brought before appropriate courts, departments, offices or agencies of the government situated in Cebu City or Makati City.

Frequently Asked Questions #

  • All branches in Visayas and Mindanao accept motorcycles for collateral.

Here are the LNCR branches that accept motorcycles for 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

Cebu #

  1. ML APM Mall

  2. ML Basak Bontores

  3. ML Bayanihan

  4. ML Boromeo

  5. ML Bulacao

  6. ML Carbon

  7. ML Carreta

  8. ML Cogon

  9. ML Colon 1

  10. ML Colon 3

  11. ML Colon 7

  12. ML Colonnade

  13. ML Doljo

  14. ML Eden

  15. ML Emall

  16. ML F. Llamas

  17. ML F. Llamas Basak

  18. ML Gabuya Pardo

  19. ML Gaisano Tisa

  20. ML Inayawan

  21. ML Juan Luna1

  22. ML Labangon

  23. ML Labucay

  24. ML Mambaling 1

  25. ML Mambaling 2

  26. ML Mambaling 3

  27. ML Mc Arthur

  28. ML Mc Square

  29. ML N Bacalso SIT.

  30. ML NRA

  31. ML Pardo

  32. ML Pasil

  33. ML Quiot Pardo

  34. ML Salvador

  35. ML Tisa

  36. ML T. Padilla

  37. ML Urgellio 2

  38. ML Urgellio 1

  39. ML V. Rama

  40. ML AC Cortes

  41. ML AS Fortuna

  42. ML Babag II

  43. ML Bakilid

  44. ML Banilad Mandaue

  45. ML Bankal

  46. ML Basak Lapu-Lapu

  47. ML BTC

  48. ML Buaya

  49. ML Cabancalan

  50. ML Cansaga

  51. ML Consolacion 1

  52. ML Consolacion 2

  53. ML Consolacion 3

  54. ML Cordova

  55. ML Dapitan

  56. ML Gabi

  57. ML Guizo

  58. ML Gun-ob

  59. ML GY Lapu-Lapu

  60. ML Hernan Cortes

  61. ML Inner Canduman

  62. ML Lapu-Lapu 1

  63. ML Lapu-Lapu 2

  64. ML Lapu-Lapu 3

  65. ML Lapu-Lapu 4

  66. ML Lapu-Lapu 5

  67. ML Lapu-Lapu 6

  68. ML Lapu-Lapu 7

  69. ML Mandaue 1

  70. ML Mandaue 2

  71. ML Mandaue 3

  72. ML Mandaue 4

  73. ML Mandaue 5

  74. ML Mandaue 6

  75. ML Mandaue 7

  76. ML Mandaue 8

  77. ML Mandaue 9

  78. ML Maribago

  79. ML Marigondon

  80. ML Pacific Mall

  81. ML Pajac

  82. ML B. Aranas

  83. ML Balirong

  84. ML Cansojong

  85. ML Carcar 1

  86. ML Carcar 2

  87. ML Dumlog

  88. ML Inayagan

  89. ML Juan Climaco

  90. ML Kimba

  91. ML Laray

  92. ML Lutopan

  93. ML Mohon

  94. ML Naga 1

  95. ML Naga 2

  96. ML Ocaña

  97. ML Pooc Talisay

  98. ML San Isidro

  99. ML San Roque

  100. ML Tabunok 1

  101. ML Tabunok 2

  102. ML Tabunok 3

  103. ML Tabunok 4

  104. ML Talisay

  105. ML Toledo 1

  106. ML Toledo 2

  107. ML Toledo 3

  108. ML Apas

  109. ML Ayala 2

  110. ML Babag Cebu

  111. ML Banawa

  112. ML Banitc

  113. ML Barrio Luz

  114. ML Budlaan Cebu

  115. ML Cabantan

  116. ML Capitol

  117. ML Capitol Site

  118. ML Centrum Osmeña

  119. ML City Soho Mall

  120. ML FCT Tintay Talamaban

  121. ML Fuente 2

  122. ML Fuente 3

  123. ML Fuente Circle

  124. ML Gorordo

  125. ML Guadalupe

  126. ML Hipodromo

  127. ML IT Park Ayala

  128. ML Kamagong

  129. ML Kamputhaw

  130. ML Kasambagan

  131. ML Lahug 1

  132. ML Lahug 2

  133. ML Leyson Talamban

  134. ML Mabolo

  135. ML Mango 2

  136. ML Nivel Hills Apas

  137. ML One Pavillion Mall

  138. ML Oppra

  139. ML Osmeña Blvd.

  140. ML P. Del Rosario

  141. ML Persimmon

  142. ML Pit.os

  143. ML R. Duterte

  144. ML Ramos 1

  145. ML Ramos 2

  146. ML Salinas Drive

  147. ML San Jose

  148. ML Talamban 1

  149. ML Binabag

  150. ML Bogo 1

  151. ML Bogo 2

  152. ML Cantecson

  153. ML Danao 1

  154. ML Danao 2

  155. ML Danao 3

  156. ML Guinsay

  157. ML Maslog

  158. ML Sabang

  159. ML Taytayan

  160. ML Paknaan

  161. ML Pitogo

  162. ML Robinsons

  163. ML Sangi

  164. ML Sitio Ticgahon Bankal

  165. ML Tabok

  166. ML Tayud

  167. ML Tipolo

  168. ML UN Avenue

  169. ML Talamban 2

  170. ML Talamban 3

  171. ML Villa Leyson

  172. ML V. Rama Guadalupe

  173. ML Waterfront

Negros Occidental #

  1. ML Alinlangan

  2. ML Granada

  3. ML Fortune Towne

  4. ML Homesite

  5. ML Bugos 2

  6. ML Burgos 1

  7. ML Mabini

  8. ML Taculing

  9. ML Victorina

  10. ML Murcia

  11. ML Handumanan

  12. ML Alijis Circumferential

  13. ML Brgy. Alijis

  14. ML Sum ag

  15. ML Singcang

  16. ML Yulo

  17. ML Gatuslao

  18. ML Araneta

  19. ML Locsin

  20. ML 888 Mall

  21. ML Lacson

  22. ML Ayala Bacolod

  23. ML Shopping

  24. ML Villamonte

  25. ML Brgy. 5 Lacson

  26. ML Robinsons Bacolod

  27. ML Mandalagan

  28. ML Bata

  29. ML Banago

  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