5 Popular Items You Can Pawn Online

Pawnshops have been the lifeline of millions of Filipinos who urgently need cash to address a sudden need or emergency. For decades, those in need have relied on the pawnshop to provide them with instant cash, usually by bringing jewelry as collateral.

In the past, one’s jewelry, including precious family heirloom, gold wedding ring, diamond earrings, or any other valuable gem or metal, was the acceptable collateral. Today, advances in internet technology have made pawnshops more accessible to more people. In fact, there is now a wider variety of items that one can pawn online.

Online pawnshops, as an easier and faster platform for pawning, are fast gaining popularity. Any person with a computer or internet-capable gadget such as a cellphone can now get the financial help they need in just a few clicks.

It is also a very convenient platform to use since all you have to do is take a photo of the item to be pawned, upload and send it to the online appraiser, and you will just wait for the approval and valuation of your collateral. Once the item is approved, the online pawnshop will deposit the amount to your own bank account. The online pawnshop sends accredited couriers to pick up the collateral at your preferred address. In short, you easily get the financial help you need without the hassle of going to a brick-and-mortar shop.

So, what items are acceptable for online pawning?

Jewelry. From the earliest time of human history, jewelry has served as ornaments of power, wealth, and beauty. No doubt, they enhance the overall image and sense of confidence of the one who wears them. But more than just shining symbols of affluence, jewelry are also excellent investment pieces. They can be resold and even pawned in a time of need. Whether your jewelry is made of gold, silver, diamond, or gemstone, these types of items always command a high price.

Most jewelry items are heirloom and thus are well-guarded and meticulously cared for in order to retain their pristine quality. Aside from the inherent value of the precious metal or stone attached to jewelry, the fine craftsmanship of these items also make them extra special. For these reasons, online pawning shops treat jewelry as their top priority in terms of valuation.

Aside from jewelry, you can now offer the following items as collateral in exchange for cash:

Laptops. Staying connected in the 21st century is almost as important as oxygen, and that is no exaggeration. Whether for work or leisure, laptops and other computing gadgets are now considered part of the daily essentials. With their varying specifications and features, laptops make for a good pawning item because of their functionality and high resale value.

Cellphones. Yes, just like the laptop, online pawn shops also accept cellphones. The latest models of cellphones are now bundled with numerous apps and high tech functions that make them as useful as the laptop or the desktop computer. In fact, some of the top-of-the-line cellphones have very advanced camera lenses that produce professional quality photos and videos. The technology, design, and universal use of cellphones make them a good item to pawn to get one through a tight financial spot.

Cameras. Digital single reflex cameras and other high-end point and shoot cameras are also accepted by most online pawning establishments. Cameras made by Canon, Sony, Nikon, and Olympus can be easily pawned.

Watches. Luxury watches are rare because of the precious metals or gems used as part of the design. The incomparable craftsmanship, resilience, and aesthetic qualities of the luxury watch also make it expensive and rare. For these reasons, luxury watches can also be easily pawned online. Some of the highly appraised luxury watch brands include Patek Philippe, Rolex, Tissot, Cartier, Philip Stein, Bulgari, among others.

So, whatever item you choose to make as collateral, you can be assured that online pawning is a convenient way to meet your financial need, anywhere and anytime.

4 Advantages of Online Pawning

If you’ve always gone to a brick-and-mortar pawnshop to meet your financial needs, maybe it is high time to make a switch. There is now a more convenient option available in Online Pawning, a technology-based platform for getting appraisals and receiving money for your valuable collateral.

Online Pawning offers four major advantages over the traditional pawnshop. Whenever you use online pawning, you are rest assured that it is:

 

1. A Way to Save Time and Effort

If you live in the city, you are most likely one of the millions of people who have to endure the hours-long traffic on a daily basis. This traffic creates an even longer, slow-moving queue of cars when there is heavy rain and flooding, or when there’s a fender-bender. By simply making an account on the online pawning service and logging in, all you need to do is to take a photo of the item to be offered as collateral and upload so that the appraisers can evaluate and give you an offer. When approved, the online pawning service will make a cash deposit corresponding to the value of the collateral. All these steps without taking a single step outside and only a couple of clicks on your computer or just a few taps on your mobile gadget.

 

 

2. Safe and Secure

By securing an account online, you can proceed with a transaction at the pawnshop at the comfort and safety of your home or office. Online pawning assures safe and secure transactions, where you do not expose yourself to the risk of robbery or loss of the valuable item when you transact in traditional pawning services.

 

 

3. The Option with Higher Appraisals

Perhaps one of the most appreciated benefit of the online pawning service is it offers significantly higher appraisals to its customers. They are able to do so because their business incurs lower costs or overhead expenses since they don’t need to spend on shop signage, furniture and fixtures.

Given the lower cost of running an online pawning service, the costs associated with a traditional pawnshop are reduced and there is no need to pass on those costs to the customer in the form of higher interest rates.

 

4. Has an Expanded List of Items to Pawn

Lastly, there is a wider list of items that can be submitted as collateral to an online pawning service. While jewelry including expensive automatic watches are still acceptable, other items can also be made as collateral. Various type of laptop computers, digital cameras, designer bags and even motorcycles are now acceptable as collaterals in online pawning. With these four unbeatable advantages, using online pawning to get extra cash is now the preferred way to get much-needed extra cash, with ease and without stress.

Re-meet The Family!

Mga Ka-Cebuana, miss mo na ba ang loved one mo abroad? Heto na ang chance mo to Re-meet the Family!

Maari mo nang makita ang iyong loved one abroad kasama pa ang tatlo mo pang Ka-pamilya! Mag-payout lang sa mahigit 2,000 branches para sa chance manalo ng PhP50,000 pocket money at trip abroad for 4 days and 3 nights!

Ano pang hinihintay mo? Re-meet the family at mag-payout para manalo!

 

MECHANICS

  1. Promo duration: August 1 – October 31, 2017.
  2. Ang promo na ito ay para sa mga international remittance beneficiaries na mag-claim ng Pera Padala mula sa mga selected international remittance partners sa mahigit 2, 200 branches ng Cebuana Lhuillier.
  3. One (1) valid payout = one (1) e-raffle entry
  4. Mas maraming payout, mas malaki ang chances na manalo!
  5. At the end of the promo, apat (4) na masusuwerteng beneficiary ang mananalo ng international trip para bisitahin ang kanilang loved ones abroad kasama ang tatlong (3) kamag-anak.
  6. Bawat beneficiary ay makakatanggap ng PhP50,000 pocket money + 4 days 3 nights travel vacation package for 5 pax!
  7. Ang grand raffle draw ay gaganapin sa P.J. Lhuillier, Inc. ICT Office 3/F the Networld Hub 156 Jupiter cor. Comet Sts., Bel-Air, Makati City 1209 kasama ang isang (1) DTI representative sa naitakdang araw:

 

NUMBER OF WINNERS
CORRIDOR

DESTINATION (COUNTRY)

INCLUSIONS CUT-OFF DATE/DEADLINE OF ENTRIES DRAW DATE
1 winner Asia Pacific Japan, Brunei, or Malaysia PhP50,000 pocket money; flight tickets, terminal fees and baggage allowance for 4 pax; and 4D/3N tour package and itinerary, food, lodging, travel insurance and vehicle and airport transfers for 5 pax

 

October 31, 2017, 11:59 PM November 6, 2017 (4:00PM)
1 winner Europe and Middle East Middle East, United Arab Emirates, Israel, or Greece
1 winner US & Canada USA, or Canada
1 winner Global & Local Bank China, Hong Kong, Japan, Singapore, Taiwan or South Korea

 

PARTICIPATING INTERNATIONAL REMITTANCE PARTNERS

GEO COUNTRY PARTNER
ASPAC

 

JAPAN Japan Remit Finance
BRUNEI Pinoy Express Hatid Padala Services, Inc.
MALAYSIA CIMB Islamic Bank
MALAYSIA IME (M) Sdn Bhd
MALAYSIA Placid NK Corp.
MALAYSIA SMJ Teratai
MALAYSIA Transfer Money Link
MALAYSIA Tranglo
EUROPE & MIDDLE EAST MIDDLE EAST Transfast / NYBP
MIDDLE EAST Xpress Money
UAE EZ Remit
UAE Instant Cash
UAE URemit
UAE Al Fardan
UAE Optimum Remit
UAE RAKBANK
UAE Al Ansari Exchange
ISRAEL WorldCom Intl.
EUROPE Intel Express
GLOBAL GLOBAL Moneygram
GLOBAL Iremit
GLOBAL Sigue / Coinstar
LOCAL BANK LOCAL BANK Bank of Commerce
LOCAL BANK RCBC
LOCAL BANK Metrobank
LOCAL BANK PNB
LOCAL BANK Chinabank
USA & CANADA CANADA Family Express
CANADA Filremit
USA Uniteller / Wellsfargo
USA Viamericas Corp.
USA Xoom
USA Remitly

 

TERMS AND CONDITIONS

  1. Ang prize ng winner sa tour ay transferrable pero hindi convertible to cash.
  2. Ang mga raffle entries ay pipiliin sa pamamagitan ng computer-based random generation system ng Cebuana Lhuillier.
  3. Ang mga client ay maaaring magkaroon ng maraming entries base sa number ng qualified payout transactions.
  4. Ang lahat ng mga clients ay kailangang i-update ang kanilang personal information (e.g. name, address, active mobile/telephone no. and birthday) sa Cebuana Lhuillier branch na kanilang pinag-tatransactan. Ang kanilang information na nakarecord ay kikilalaning tama at magiging basehan sa pagpapadala ng kanilang notification letters.
  5. Ang mga winners ay makakakatanggap ng notification sa pamamagitan ng phone call at registered mail. Ang announcement ng mga winners ay ipopost sa official Cebuana Lhuiilier Facebook page.
  6. Ang mga winner ang magproproseso ng kanilang visa, passport and other travel documents na kailangan sa trip.
  7. Kung sakali na ma-cancel o hindi tanggapin ang visa application ng winner o ng kanyang kamag-anak, maaring mag-appoint ng non-family member ang winner para makasama sa tour as long as ang travel dates ay hindi delayed.
  8. Ang lahat ng travel expenses (tulad ng flight tickets, accommodation, food, lodging, travel insurance, vehicle and airport transfers) at travel-related tax expenses ay sasagutin ng Cebuana Lhuillier.
  9. Ang travel voucher ay valid hanggang anim (6) na buwan upon issued date maliban sa black-out dates kapag holidays at peak travel seasons.
  10. Kada winner at ang kanilang kamag-anak ay may makakasamang isang (1) Cebuana Lhuillier marketing representative sa buong trip.
  11. Ang mga empleyado ng P.J. Lhuillier Group of Companies, Ad/Creatives Agency, PR at Media Agencies, at pati ang mga kamag-anak nila hanggang second degree of consanguinity o affinity ay hindi maaaring sumali sa promo.
  12. Ang lahat ng government mandated tax at cash prize taxes na ibibigay sa mga winners ay sasagutin ng Cebuana Lhuillier.

 

DTI-FTEB Permit No. 9172 Series of 2017

 

 

Anniversangla Promo

30 years na ang Cebuana Lhuillier! Magsangla na at baka maging isa ka sa 30 winners ng P30,000 worth of cash at pangkabuhayan showcase!

Meron pa, 3% na lang ang interest sa magsasangla na abot 100k pataas. Punta na sa pinakamalapit na branch. Basta sangla, ipa-Cebuana! Per DTI-FTEB Permit no. 11133, Series of 2017.

 

Mechanics:

  1. This promo is open to all Cebuana Lhuillier Pawning Clients and available only in all Cebuana Lhuillier Pawnshop branches nationwide.
  2. Promo duration is from August 1 to October 31, 2017.
  3. Each new pawning transaction is equivalent to one (1) e-raffle entry.
  4. All new pawning transactions with a minimum principal amount of P100,000 is entitled to an additional discount of 3% interest rate.
  5. Client Information Form must be updated in order to qualify for the e-raffle.
  6. For the e-raffle, there will be 30 winners of P20,000 cash and P10,000 worth of Pangkabuhayan showcase.
  7. Winners will be announced on branch and thru digital platforms.
  8. Draw date is on November 6, 2017, Monday at P.J Lhuillier, Inc. ICT Office 3/F, The Networld Hub 156 Jupiter cor., Bel-Air, Makati City 1209. This will be done with the presence of DTI representative.
  9. The winner/s will be notified via registered mail. To claim the prize winners must present the notification letter at the Cebuana Lhuillier branch where they transact with the ff. documents:
  • (1) Valid ID
  • Photocopy of the valid ID
  1. For the Pangkabuhayan Showcase worth P10,000, winners must provide their contact details to our branch personnel. They will call you when to claim your prize.
  2. J. Lhuillier Inc. will pay the 20% tax for the prizes exceeding P10,000.
  3. Unclaimed prize within 60 days upon receipt of notification will be forfeited upon the approval of DTI in favor of Cebuana Lhuillier.
  4. Employees of PJ Lhuillier Group of Companies, agencies and services and their relatives up to second degree of consanguinity or affinity are not qualified to join the e-raffle.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)