Quick Cash Loans
Through the years, M Lhuillier has been helping Filipino families achieve their dreams and fulfill immediate financial needs through Quick Cash Loans.
With more than 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 quick cash loans 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 be used 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
How to avail
Present the item/s to the appraiser.
Submit a valid ID.
Get your cash and pawn ticket.
How to redeem items
Give the signed pawned ticket to the teller along with your payment.
Claim the item/s and official receipt.
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= 3.5% + 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.
MOTORCYCLE LOAN
This service is available in selected branches nationwide.
Loan requirements:
Customer's vehicle with standard plate number
Vehicle keys
Original official receipt (OR) and certificates of registration (CR)
Two valid IDs
Conditions in accepting motorcycles
The vehicle should be registered in the name of the customer.
The original OR should be updated and CR should not be marked ENCUMBERED or the vehicle should be free from all liens and encumbrances.
The vehicle should be in good conditions with no extensive body damage and no disqualifying characteristics such as extensive damaged engine or transmission. The vehicle must have no mechanical problems and must be road worthy.
The odometer reading should not go beyond 80,000 km.
OR should not be expired during the duration of the loan.
Customers should agree with our terms and conditions.
Make and Model:
List of Japanese motorcycles which must be brand new or purchased at least two years before acceptance
Honda
Kawasaki
Yamaha
Suzuki
How to avail
Present your motorcycle for appraisal.
Submit a valid ID and wait for approval.
Once approved, get your cash.
ML PENSIONER'S LOAN
M Lhuillier offers a short-term non-collateralized loan to qualified pensioners at selected M Lhuiller branches nationwide with BDO POS machines. The Pensioner must not be more than 75 years old.
Conditions:
Term of loan is three (3) months
Maximum loan is twice (2x) the monthly pension
Monthly interest rate is three percent (3%) without VAT
Service charge of one percent (1%) of the loan amount
Penalty of two percent (2%) of the principal amount for past due accounts
Monthly collection or payment
Requirements:
One (1) Valid I.D (government-issued) with picture and signature
Proof of Billing statement of his/her recent utility statements
Barangay Certificate Latest Bank statement or certificate of entitlement
ATM Card (pensioner's name) and PIN Number
Frequently Asked Questions
All LNCR and VisMin branches accept Home Loan.
All VisMin branches accept motorcycle for collateral. Please see the list of M Lhuillier branches in LNCR that accept motorcycle loan below.
LUZON/NCR
Almasor Region
ML Tabaco 2, Albay
ML Legazpi 2, Albay
ML Oas, Albay
ML Cumadcad, Sorsogon
ML Gubat, Sorsogon
ML Milagros, Masbate
ML San Jacinto, Masbate
ML Cawayan, Masbate
Camacat Region
ML Daet 3, Camarines Norte
ML Bagumbayan Sur, Naga
ML San Nicolas, Iriga, Camarines Sur
South Western Luzon Region
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 Sto. Tomas 3, 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
South Eastern Luzon Region
ML Candelaria 2, Quezon
Laguna Region
ML Liliw
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ML Sta. Cruz
ML Bay
ML Mayapa, Calamba
ML Alaminos
NCR / Batanes Region
ML Pamplona Tres, Las Pinas
NCR / Central Region
ML Divisoria, Manila
ML Avenida, Manila
NCR / Rizal Region
ML Sta. Lucia, Pasig
ML Banaba, San Mateo
ML Montalban 3
NCR / North Region
ML Bagong Silang 1, Caloocan City
ML Bagong Silang 2, Caloocan City
ML Shorthorn, Quezon City
ML Katipunan, Quezon City
ML Longos, Malabon City
Bulacan Region
ML Tungkong Mangga 1, San Jose del Monte
ML Bulakan, Bulacan
ML Tangos, Baliuag Bulacan
ML San Rafael, Bulacan
Pampanga Region
ML Bulaon, San Fernando
ML Friendship 1, Angeles
ML Tabun, Angeles
ML Mexico, Pampanga
North Eastern Luzon
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
Tarpan Region
ML Mangaldan, Pangasinan
ML San Jacinto, Pangasinan
ML Urdenata 2, Pangasinan
ML Burgos, Pangasinan
ML Concepcion 2, Tarlac
Bazam Region
ML Subic 2, Zambales
Quivisagao Region
ML Santiago 4, Isabela
ML Santiago 5, Isabela
ML Jones, Isabela
ML Mallig, Isabela
ML Santiago 6, Isabela
ML Bambang 3, Nueva Vizcaya
ML Solano 3, Nueva Vizcaya
ML Maddela 1, Quirino
North Western Luzon Region
ML Legarda, Baguio
ML San Fernando 2 La Union
ML San Juan, La Union
ML Narvacan Mall, Ilocos Sur
ML Bangued 1, Abra
ML San Juan, Ilocos Norte
ML Pasuquin, Ilocos Norte
ML Solsona, Ilocos Norte
Northern Luzon
ML Aparri 1, Cagayan
ML Alacapan, 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
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ML BIGTE
ML SAPANG PALAY
ML MINUYAN
ML SAPANG PALAY 2 (formerly Sampol Market)
ML FVR
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VisMin
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ML Ronda
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ML Bogo 1
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ML Cantecson
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ML Maya
ML Medellin
ML Kawit
ML Ilihan
ML Tabogon
ML Borbon
ML Logon Malapascua
ML San Francisco, Camotes
ML Poro Camotes
ML Tudela Camotes
ML Pilar Camotes
ML Campo San Francisco(Campo Camotes)
ML Sogod 1
ML Sogod 2
ML Catmon
ML Cebu Safari
ML Antigua
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ML Bantayan Island
ML Sta. Fe
ML Madridejos
ML Talangnan
ML Hagnaya
ML San Remegio
ML Tuburan
ML Tabuelan
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ML CTU Tuburan
ML Oppra
ML Babag Cebu
ML Maria
ML Manjuyod
ML Ayungon
ML Bindoy
ML Jimalalud
ML La Libertad
ML Guihulngan
ML Vallehermoso
ML Canlaon 1
ML Canlaon 2
ML Tayasan
ML Hilaitan
ML Zulueta Manjuyod CV
ML Mabinay
ML Lumbangan
ML Pamplona
ML Basay
ML Magsaysay Bayawan
ML Sta. Catalina
ML Siaton
ML Zamboanguita
ML Dauin
ML Bonawon
ML Basay
ML Magsaysay Bayawan
ML Sta. Catalina
ML Siaton
ML Zamboanguita
ML Dauin
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ML Alburquerque
ML Dimiao
ML Garcia Hernandez
ML Jagna
ML Jagna Pagina
ML Lila
ML Loay
ML Loboc
ML Sevilla
ML Valencia (petite)
ML Ubay
ML Ubay-Garces
ML Ubay-Garces
ML C. P. Garcia
ML Alicia
ML Mabini Bohol
ML Candijay
ML Guindulman
ML Anda
ML Duero
ML San Pascual
ML Carmen
ML Dagohoy
ML San Miguel
ML Batuan
ML Bilar
ML Bien Unido
ML Trinidad
ML Pilar
ML Sierra Bullones
ML Manga
ML Maribojoc
ML Loon
ML Calape
ML Catigbian
ML Balilihan
ML Antequera Public Market
ML Inabanga
ML Talibon 2
ML Buenavista
ML Lapacan
ML Cabulijan
ML Clarin Nat'l Highway
ML Sagbayan
ML Danao Bohol
ML Getafe
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ML Panglao
ML Ipil Don Andres
ML Tirso Babiera
ML Titay
ML R.T. Lim
ML Tungawan
ML Lower Tungawan
ML Sanito
ML Yoho
ML Ipil Public Market
ML Crossing Sta. Clara
ML Kabasalan 1
ML Kabasalan 2
ML Monching
ML Siay
ML Mabuhay
ML Talusan
ML Olutanga
ML Alicia
ML Payao
ML Buug 1
ML Buug 2
ML Bayog
ML Lakewood
ML Kumalarang
ML Diplahan
ML Malangas
ML Imelda
1ML Imelda 2
ML Sampoli-B
ML Diplo Kumalarang
ML Buug Rizal
ML Liloy 1
ML Liloy 2
ML Tampilisan
ML Labason
ML Gutalac
ML Kalawit
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ML Siocon
ML Siocon 2
ML Sirawai Proper/Poblacion Sirawai ZDN
ML Calbayog 4 (Oquendo)
ML JD Avelino
ML Sta. Margarita
ML San Joaquin
ML Tarangnan
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ML San Jorge
ML Allen
ML Catarman 1
ML Catarman 2
ML Dalakit
ML Rawis (Laoang)
ML Lavezares
ML Mondragon
ML San Jose
ML San Roque
ML UEP
ML San Isidro (Alegria)
ML Borongan 2
ML Can -Avid
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ML Llorente
ML Maydolong
ML San Policarpo
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ML Taft
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ML Balangiga
ML Guiuan
ML Guiuan 2
ML Gen Mac
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ML Lawaan
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ML Catbalogan 2
ML Maulong
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ML Villareal
ML Jiabong
ML Buray
ML Hinabangan
ML Catbalogan Public Market
ML Albuera
ML Albuera Highway
ML Sogod 1
ML Hinunangan
ML Hinundayan
ML Cabalian
ML St. Bernard
ML Liloan
ML Pintuyan
ML Carigara
ML Tunga
ML Barugo
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ML Jaro
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ML San Agustin Burauen
ML Dagami
ML Leyte
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ML Abuyog
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ML McArthur, Leyte
ML Julita
ML Dulag 2
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ML Alang-Alang
ML San Jose Tacloban
ML Baybay 3
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ML Placer(Bad-as)
ML Placer
ML Bacuag
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ML Kitcharao
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ML Magpayang
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ML Santiago
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ML Cabadbaran 2
ML Magallanes
ML RTR
ML Ampayon Trans
ML Butuan 2
ML Butuan 5
ML Baan
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ML Surigao 2
ML Surigao 3
ML Capitol Surigao
ML Dapa
ML Del Carmen
ML San Jose
ML General Luna
ML Dinagat Island
ML Libjo Dinagat Island
Gaisano Surigao Showroom
ML Murcia
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ML San Enrique
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ML Dancalan
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ML San Carlos 2
ML Toboso
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ML Bago 2
ML General Luna Bago
ML Ma-ao
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Ml Valladolid
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ML Odiongan 3
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ML Looc
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ML Alcantara Romblon
ML Panit-an
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ML Calinog 2
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ML Cuartero
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ML San Dionisio
ML San Dionisio
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ML Banate
ML Lemery
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ML Dumalag
ML Dao
ML Tapaz
ML Jamindan
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ML Dueñas
ML Janiuay
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ML Mina
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ML Dumangas 2
ML Dingle
ML Talakag
ML Claveria
ML Jasaan
ML Balingasag Highway
ML Salay
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ML Tagoloan
ML Aglayan
ML Valencia Quezon
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ML Lantapan
ML Laguindingan
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ML El Salvador
ML Molugan
ML Patag
ML Manolo Fortich
ML Alae
ML Agusan
ML Balingoan
ML Medina
ML Gingoog 1
ML Gingoog 2
ML Magsaysay CDO
ML Camiguin 1
ML Catarman Camiguin
ML Talisayan
ML Valencia 1
ML Valencia 2
ML Maramag
ML Don Carlos
ML Wao
ML Kibawe
ML Dancagan
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ML Parang
ML Rizal Avenue
ML M'lang
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ML Carmen
ML Pikit
ML Matalam
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ML Malandag
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ML Maasim
ML Kiamba
ML Maitum
ML Maitum 2
ML San Roque Palimbang
ML Compostela
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ML Mawab
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ML Manay
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ML Cateel
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ML Kapalong
ML Laak
ML Sawata
ML Mabini
ML Maco
ML Pantucan
ML Tibanban
ML Lupon
ML Banay-Banay
ML San Isidro Dav Or
ML Padada
ML Bunawan
ML Sta. Josefa
ML Sampaguita Veruela
ML Barobo
ML Tagbina
ML Lianga
ML Marihatag
ML Aras-asan
ML Tago
ML Prosperidad
ML Mangagoy 1
ML Mangagoy 2
ML Mangagoy 3
ML Bislig
ML Hinatuan
ML Cantilan
ML Carrascal
ML Carmen SDS
ML Gaisano Tandag
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
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)
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 Non-jewelry items.
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