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Dalton Pawnshop

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About pawnshop

Dalton Pawnshop & Jewelry Inc. is a Philippine loan lender that provides citizens with Pera Padala, loading stations, money changer services, and fast cash loans, as well as same-day funding to qualified borrowers. The shop also sells jewelry within the Philippines and internationally.

Dalton Pawnshop & Jewelry Inc. was founded in 2013 by Mr. Perfecto T.Uy Jr and is part of the Perfecto group of companies. Dalton Pawnshop's head office is at Roxas E Avenue, General Santos City, South Cotabato. The business offers citizens pawn loans and accepts jewelry, watches, laptops, tablets, iPods, mobile phones, and motorcycles as collateral for the loans.

Pros and cons

Many lenders in the market have different terms and conditions for customers who want to access their products. Some conditions work to the borrowers' advantage, while others are a disadvantage if not adhered to, for example, delayed payments. Before you apply for a loan from Dalton Inc., here are its pros and cons.

Pros

  • They have easy approval processes, and borrowers can apply for and get their loans within a day.

  • Dalton does not do credit checks, and, therefore, the eligibility requirements are collateral and the ability to repay.

  • Dalton allows borrowers to restructure their loans to meet their financial needs.

Cons

  • Their loan interest rates are higher than those of bank loans.

  • The loan term limit is four months, which may require high installments to clear huge loans.

  • The shop has specific pawnable items. If the borrowers lack them, they cannot access the loans.

Products

Dalton Pawnshop offers the following services.

  • Pawning. Customers can apply for a loan from the shop and surrender their items, which they can recover after paying off the loan in full. The loan amount is determined by the market value of the pawn, attracting an interest rate of 2%-5% per month and a daily interest of 0.06- 0.16%. The maximum loan term is four months, with a minimum loan term of seven days. A 1% service charge on the original lawn, but no more than ₱5. The items used as collateral include cell phones, watches, laptops, tablets, jewelry, digital cameras, iPads, and motorcycles. If you meet all the requirements, your loan application is processed within two hours. To access the loans, you must have a valid bank account and proof of identity. The minimum pawn loan offered by Dalton is ₱1000, and the maximum is ₱50,000. You must, however, have a valid linked bank account, provide proof of identity, and have the item to be used as collateral with a current market value.
  • Pera Padala. Dalton Pawnshop offers money transfer services to its customers. If a customer sends ₱1000 or less, the shop sends the money for free. If a customer sends more than ₱1000, the business charges a fee proportional to the amount sent. The maximum amount a customer can send is ₱50,000.

Other services offered by Dalton Pawnshop include money changers and loading stations.

FAQ

What is Dalton Pawnshop & Jewelry Inc.?

Dalton Pawnshop & Jewelry Inc. is a lender based in the Philippines. It offers pawn loans to borrowers and other financial services.

How do you qualify for Dalton Pawnshop & Jewelry loans?

You must be 18+ years old with a valid ID or proof of ID. Also, you must have a linked bank account with a proven source of income and produce a pawn when applying for the loan.

What is the maximum Dalton Pawnshop loan amount you can get?

Dalton offers a 1000 minimum loan and 50000 maximum loan with collateral.

How much interest does the Dalton Pawnshop loan attract?

The daily interest ranges between 0.06%-0.16%, while the monthly interest ranges between 2%-5%.

What is the average approval time for a Dalton Pawnshop & Jewelry loan?

The average approval time for a Dalton loan is about two hours after the borrower meets all the requirements.

Is Dalton Pawnshop & Jewelry Inc. a legitimate company?

Yes, Dalton Pawnshop & Jewelry Inc. is a legitimate company. It belongs to the Perfect group of companies and is SEC-registered. The Bangko Sentral ng Pilipinas also regulates Dalton pawnshops.

For what period can I take out a Dalton pawn loan?

You can take out a Dalton pawn loan for a maximum of four months.

Does the Dalton pawnshop own the collateral for the loan period?

Yes. The pawn is sold at auction if your loan balance is not repaid before the due date.

How is the Dalton pawn loan different from a jewelry loan?

The Dalton pawn loan is a short-term loan secured by collateral, and the collateral should be worth more than the amount lent. Jewelry loans, on the other hand, are unsecured and can last up to five years, allowing you to purchase more expensive items such as Rolex watches.

Is solvency confirmation required to receive the Dalton pawn loan?

No. The Dalton pawn loan only requires a document proving your identity and the item being used as collateral; it doesn't require any proof of solvency.

Financial products

Dalton Pawnshop
Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
50 000 ₱
Rate
i

Effective interest rate on the product

0.06%per day
Term
i

Loan term for the financial product

120 days

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 Dalton Pawnshop loan calculator

Calculate loan payments at Dalton Pawnshop. Loans calculator will allow you to calculate an approximate payment schedule for the loan.

Dalton Pawnshop calculator
Interest rates are given in accordance with the rates of the Dalton Pawnshop in Manila as of 04.12.2022
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