Frequently Asked Questions

Q1: Why is there a need to test my item during pawning?

A1: We need to test the item you submit for pawning so that we can give the proper appraisal value for your item.

Q2: Will my jewelry item be damaged during appraising?

A2: No. Our branch personnel are highly skilled to carefully appraise jewelry items. In some cases and with your permission, however, special tools may be needed to better appraise the items. The effects of these tools on your item will be barely noticeable.

Q3: Aside from jewelry items and appliances, what other items do you accept for pawning?

A3: We also accept electronic gadgets such as mobile phone, digicam, videocam, magic sing, and the like. Inquire from the pawnshop nearest you for the other items accepted for pawning.  

Q4: Is my pawned item safe while in your custody?

A4: Yes, your item is safe because it will be placed in a sealed plastic pouch with your signature. This ensures that your item will never be tampered. Aside from this, we have in place tight security measures to ensure the safety of the item you've entrusted us. Some of these measures include having security guards, alarm systems and vaults.

Q5: Can I see my item even if I will not redeem it?

A5: For the safety of your item, we do not allow it. This is to avoid possible problems that may arise when we bring out the item from the vault.

Q6: Can I redeem my item anytime during business hours?

A6: You can redeem your item anytime except on early/night overtime and Sundays.

Q7: How can I avoid foreclosure of my item?

A7: To avoid foreclosure, you need to renew or redeem your item on or before the expiry date, that is, 120 days from the loan date.

Q8: Will you be sending a notice/reminder prior to the expiration of my loan?

A8: Yes, we will send a notice via postal mail. Therefore, it is important that you provide us with your complete and updated address.

Q9: What happens to my foreclosed item?

A9: Foreclosed items are offered for public auction. The auction schedules are published in various tabloid newspapers.

Q10: Can I still renew or redeem my item even I lost my pawnticket?

A10: Yes. Immediately inform your branch of the loss so that we can prevent redemption by unscrupulous individuals. During renewal or redemption, you need to present a notarized affidavit of loss and valid IDs.

Q11: Am I required to avail of the personal accident micro-insurance?

A11: No, it is optional. However, we highly recommend that you avail of it considering the premium benefits that you will enjoy if you have one. For only P25 per certificate, you will have P20,000 personal accident coverage plus P5,000 fire insurance cash-aid.

Q12: What are your operating hours?

A12: Our regular operating hours are from 8:30 am to 5:30 pm. However, to better serve you, we also have branches that are open as early as 7:00 am and branches that close as late as 10:00 pm. Kindly check the operating hours of the branch near you.