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N-Cash

Advertiser Disclosure

About pawnshop

N-Cash opened its doors in 2006 and is currently located at Santolan Arcade Building Marcos Highway Santolan Marikina City, Philippines. It was the first pawnshop in the Philippines to accept bags and other personal items as collateral against a cash loan. In 2020, they also launched an online pawn service, allowing you to sell your item anywhere in the Philippines. To use the N-Cash pawn service, you can visit any branch and get the money you require immediately. You can also arrange an online delivery of your item using a TNVS, such as Grab Express, Lalamove, or another courier. The payment will then be sent to your preferred bank account or money-transfer service following the pawn's appraisal.

Pros and cons

Pawn shops are a great place to sell items you no longer want for cash. They're also a great place to sell your items if you want to avoid the hassle of doing it yourself but need money right away. However, some pawnshops have a terrible reputation for being loan sharks, even though they might seem like a haven for people who are struggling financially. Therefore, it might not be the best option if you're looking for a different way to make money. As a result, consider the advantages and disadvantages before using their services.

Pros

  • You can sell items that you don't want anymore for more money than you would get at a retail store.

  • You can get out of debt quickly as pawnshops give you cash upfront.

  • You can redeem your pawn even after missing a payment as long as you inform the pawnshop first.

Cons

  • N-Cash has fees associated with getting a pawn loan.

  • N-Cash has limited hours of operation from 10:00 AM to 6:00 PM, so you might have to wait until then if you want to make an appointment.

Products

You can get a free appraisal and access the following services every day from 10:00 AM to 6:00 PM, and cash is released within minutes:

  • Instant cash for designer bags. N-Cash accepts bags from top brands like Louis Vuitton, Hermès, Chanel, Givenchy, Prada, Goyard, Gucci, Yves Saint Laurent, and Celine.

  • Instant cash for electronic gadgets. All electronic devices at the pawnshop are sealed, ensuring they won't ever be tampered with. N-Cash accepts electronic gadgets like Alienware, Dell, HP, Asus, Lenovo, Toshiba, Samsung, Acer, Sony Vaio, Asus ROG, MSI, and Apple.

  • Instant cash for watches. N-Cash accept watches from top brands like Rolex, Patek Philippe, Audemars Piguet, Hublot, Panerai, Omega, Jaeger LeCoultre, Tag Heuer, and Cartier.

  • Instant cash for car and motorcycle. N-Cash offers spot cash for cars, SUVs, pick-ups, and other vehicles. They accept all brands like Toyota, Mitsubishi, Honda, Isuzu, Nissan, BMW, Kia, Hyundai, Subaru, Ford, Porsche, Ferrari, and Land Rover. After a thorough appraisal, they offer your car the highest value possible with the lowest interest rate.

  • Instant cash for other items. These include Rimowa luggage, sunglasses, and eyewear from Oakley, Cartier, Prada, and Tag Heuer, among others. They also accept designer shoes from Louis Vuitton, Chanel, Valentino, Balenciaga, Dior, Gucci, Hermes, Supreme, and Off-White collaborations.

Keep in mind that N-Cash does not accept only the items listed above. If you have an item with a high market value, they can appraise and convert it to cash.

N-Cash

FAQ

What is the N-Cash Pawnshop? 

N-Cash Pawnshop has been in business for over 16 years and accepts a wide range of items, including electronics, furniture, jewelry, watches, cars, motorcycles, and Rimowa luggage. 

How do you qualify for an N-Cash pawn loan? 

To be eligible for an N-Cash pawn loan, you must be 18 years old and provide accurate information about the pawned item. 

What is the maximum N-Cash pawn loan amount you can get? 

The item's appraised value determines the maximum loan amount. 

How much interest does the N-Cash pawn loan attract? 

Contact any N-Cash location or call customer service to find out how much interest your pawn loan will attract. You can reach them through the following channels: 

  • Landline: (02)8994-32-40 

  • Globe: +639175341811 

  • Smart: +639392095180 

  • Email: inquiry@instacash.ph 

What is the average approval time for an N-Cash pawn loan?  

When your pawn is valued, and you agree with the value, your pawn loan is immediately approved, and your money is disbursed within minutes. 

Is the N-Cash pawnshop a legitimate company? 

Yes. N-Cash is regulated by Securities and Exchange Commission(SEC) and Bangko Sentral ng Pilipinas (BSP). 

Does the N-Cash 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 an N-Cash pawn loan different from a Jewelry loan? 

Pawn loans are short-term loans used to purchase an item like a ring, necklace, or other jewelry. The item itself serves as collateral for the loan. If you do not repay the loan within the specified time frame, you forfeit the jewelry and must repay the pawnbroker. In contrast, jewelry loans require proof of income. With a jewelry loan, you receive the item and pay it off later, whereas, with a pawn loan, you get the money and pay it off before receiving the item back. 

Is solvency confirmation required to receive an N-Cash pawn loan? 

No, you don't need to confirm your solvency to receive an N-Cash pawn loan. Pawn loans are typically short-term loans and use collateral, so you do not need to provide proof of your solvency.

It’s always good as cash here at N-Cash.

© N-Cash

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Rating by Finanso®
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Rate
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Effective interest rate on the product

3% - 10% per month
Term
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Loan term for the financial product

up to 120 days

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