Service Advisory
Updates on PawnHero' business hours, service alerts, and policy changes
Service Advisory - 14 June 2026, 12:00 NN
Great News from PawnHero
We are thrilled to announce our new Flexible Interest Rate Policy, designed to give you more control over your pawn loans. Now, you have the power to tailor your loan terms to fit your unique financial needs.
How It Works
Your pawned item's category determines your flexible options, allowing you to select from multiple approved, tailored tiers.
- Jewelry & Diamonds (Gold, Platinum, Diamond Rings, etc.) – Enjoy up to 85% valuation with interest rates starting as low as 3.99%.
- Luxury Items (Designer Bags, Watches, Shoes) – Get up to 80% valuation (Tier 5) or choose a lower interest rate starting at 6.99%.
- Tier 1 at 60% valuation.*
- General Electronics & Apple Brands – Unlock up to 80% valuation for your tech gadgets, from smartphones and laptops to gaming consoles and Apple devices, with multiple flexible interest tiers to choose from.
Experience the new flexibility today! Pawn your items with PawnHero and take control of your financial journey.
Please refer below for the complete tiering structure of the new flexible interest rate policy.
Tiering Structure
Category 1: Luxury Items
Eligible Items: Luxury Watches, Designer Bags, Designer Sunglasses, Designer Shoes, and Designer Belts.
| Tier | Interest Rate | Valuation |
|---|---|---|
| Tier 1 | 6.99% | 60% |
| Tier 2 | 8.49% | 65% |
| Tier 3 | 9.99% | 70% |
| Tier 4 | 11.49% | 75% |
| Tier 5 | 12.99% | 80% |
Category 2: General Electronics (Non-Apple)
Eligible Items: Smartphones, Tablets, Laptops, Televisions, Soundbars and Speakers, Smart Wearables, Cameras, Action Cameras, and Gaming Consoles.
| Tier | Interest Rate | Valuation |
|---|---|---|
| Tier 1 | 6.5% | 70% |
| Tier 2 | 8.0% | 72% |
| Tier 3 | 9.5% | 74% |
| Tier 4 | 11.0% | 78% |
| Tier 5 | 12.5% | 80% |
Category 3: Apple Brands
Eligible Items: iPhones, iPads, MacBooks, Apple Watches, AirPods, Apple TVs, etc.
| Tier | Interest Rate | Valuation |
|---|---|---|
| Tier 1 | 10% | 70% |
| Tier 2 | 20% | 80% |
Category 4: Jewelries & Diamonds
Eligible Items: Gold, Platinum, Silver, Diamond Rings, Necklaces, and Earrings.
| Tier | Interest Rate | Valuation |
|---|---|---|
| Tier 1 | 3.99% | 80% |
| Tier 2 | 4.99% | 85% |
Disclosure Requirements
PawnHero shall ensure that the following information is disclosed to the customer before the release of loan proceeds:
a. Appraised value of the pledged item; b. Selected valuation tier; pawnshop c. Loan amount; d. Applicable interest rate; e. Service charges and other applicable fees; f. Maturity date; and g. Redemption and renewal requirements.
* All pledged items shall undergo appraisal and evaluation in accordance with PawnHero's existing appraisal procedures.
Service Advisory - 17 March 2026, 12:00 NN
Go Higher for Gold — Higher Valuation Option Now Available
PawnHero is pleased to announce an upgraded valuation option for gold and diamond jewelry.
Effective immediately, customers may choose between two interest and valuation tiers:
- • 3.99% interest — Standard Valuation
- • 4.99% interest — Higher Valuation (higher loan principal)
We now accept:
- • Gold jewelry (0.6g and above)
- • Platinum (2g and above)
- • Natural Diamond jewelry set in gold (with or without GIA certificate)
- • Lab-Grown Diamond jewelry set in gold (with GIA or IGI certificate)
No advance interest on both tiers. Interest is charged only upon redemption.
Other applicable charges:
- Service charge (1% of principal, max ₱5.00)
- Technology fee (₱20.00)
- Documentary stamp tax (₱40.00 for loans up to ₱5,000; +₱20.00 per ₱5,000 or fraction thereof)
For inquiries, visit pawnhero.ph or contact us at customer@pawnhero.ph.
Service Advisory - 08 September 2025, 12:00 NN
Need extra cash? Make it even smarter and more convenient!
Pawn luxury bags, watches and jewelry worth ₱10,000 with PawnHero and enjoy 2 hours of FREE parking while you’re here. Best of all? Free parking is on us, so you can save more.
- No parking fees means keep your cash where it belongs.
- Limited slots; free parking available while spaces last.
- Fast and hassle-free; pawn quickly and get instant cash!
Ready to pawn? Just visit PawnHero.ph.
Your valuables deserve the best perks. Let us help you get the cash you need, fast and easy, and park worry-free while doing it.
Service Advisory - 30 June 2025, 12:00 NN
Service Advisory - 15 June 2025, 12:00 NN
Service Advisory - 31 May 2025, 12:00 NN
Service Advisory - 30 May 2025, 12:00 NN
Service Advisory - 1 June 2025, 12:00 NN
Service Advisory - 31 October 2023, 12:00 NN
At PawnHero, we strive to make pawning convenient for you by offering free item pick-up service with insurance within Metro Manila, Cavite, Antipolo and Rizal. However, please note that we are unable to pick up certain items, such as televisions, PS4/PS5 consoles without the original box, or any items that cannot be transported via motorcycle as well as items with initial offer of Php 50,000 and above.
We appreciate your understanding and are here to help you with all other eligible items for pick-up. If you have any questions or need assistance with other item types, feel free to reach out to us!
Thank you for choosing PawnHero for your pawning needs!
For concerns and inquiries, below are the only official PawnHero Customer Hotlines:
Globe: 0917 872 2274 (Calls only)
Landline: 8828-CASH (2274)
Email: customer@pawnhero.ph
PawnHero Mobile app chat support
Your Pawnhero Family
Service Advisory - 19 October 2023, 12:00 NN
Big Announcement for Pawning Apple Devices!
We’re excited to introduce our new Apple Pawning Program at PawnHero! ��
No Advance Interest = Mas Malaking Cash Para Sa’yo
You can now pawn your MacBook, iPhone, iPad, Apple Watch, and AirPods and get up to 80% appraisal on your device's value!
Here’s how it works:
- • Loan Term: 1 month only (Non-renewable)
- • Full Loan Amount: No advance interest, only documentary stamp tax and service fee deducted upfront
- • Get up to 80% of appraised value
- • Eligible Apple products: MacBooks, iPhone, iPads, Apple Watches, and AirPods
Get the cash you need, quickly and easily! Start Moneyfesting with PawnHero today!
Service Advisory - 03 November 2023, 12:00 NN
Important Notice: Updated Payment Rules and Procedures
Dear PawnHero customers,
At PawnHero, we are committed to providing you with convenient and transparent services. To ensure that our operations run smoothly and fairly for all our valued customers, we have implemented the following rules and procedures, which will be strictly enforced:
Pawn Renewal:
- - Payment for pawn renewals must be made within 24 hours from the date of the approval of the renewal request but no later than the maturity date. Pawner will be notified of the approval of their renewal request via SMS and email.
- - Penalties will be charged if payments are made beyond the maturity date, as stipulated in our terms and conditions (T&C).
Redemption:
- - Payment for pawn renewals must be made within 24 hours from the date of the approval of the renewal request but no later than the maturity date. Pawner will be notified of the approval of their renewal request via SMS and email.
- - Penalties will be charged if payments are made beyond the maturity date, as stipulated in our terms and conditions (T&C).
Payment Channels:
We offer several convenient payment channels for your ease of transaction:
- - Over-the-Counter Cash Payment
- - Security Bank Online
- - Online Bank Payment via Bancnet, BDO, PNB, and UCPB
- - 7-Eleven (7-CONNECT)
- - Coins.ph
Payment Validation:
To ensure a quick and accurate payment process, customers are required to upload proof of
payment via our website's "Validate Loan Repayment" feature. Please note the following
details:
- - Payment validation may take 1 to 3 business days.
- - Once validated, a notification will be sent to the pawner via SMS and email.
We understand the importance of a clear and efficient payment system, and we are here to assist you every step of the way. If you have any questions or require further clarification regarding these rules and procedures, please do not hesitate to contact our customer support team.
Thank you for choosing PawnHero for your financial needs. We look forward to continuing to serve you with the highest standards of service and convenience. Keep on Moneyfesting with PawnHero.
Service Advisory - 16 October 2023, 12:00 NN
Dear PawnHero customers,
Exciting News from PawnHero.ph!
We're thrilled to announce our new offer! Starting October 16, 2023, our appraisal values for Apple products have soared to new heights! Reaching up to an astounding 75% of your item's worth.
Here are the details
✓ Appraisal Value: up to 75%
✓ Apple Products: iPhones, iPads, MacBooks
✓ Interest Rate: 6%
✓ Loan Term: One Month, Non-renewable
Don't miss out! Pawn your Apple devices with PawnHero.ph and experience unbeatable terms. It's the perfect opportunity to get the funds you need quickly and easily.
For concerns and inquiries, below are the only official PawnHero Customer Hotlines:
Globe: 0917 872 2274 (Calls only)
Smart: 0999 222 2274 (Callsonly)
Landline: 8828-CASH (2274)
Email: customer@pawnhero.ph
PawnHero Mobile app chat support
Your Pawnhero Family
4 August 2020, 5:00 PM
Dear PawnHero customers,
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