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Villarica

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About Villarica Pawnshop

Villarica Pawnshop is a Filipino financial company formed as a sole proprietorship in May 1954 by Mrs. Paz R. Villarica, a jeweler from Meycauayan, Bulacan. It originally opened its doors in Quiapo, Manila, where it still operates.

Atty Henry R. Villarica and his wife, Linabelle Ruth R. Villarica, took over the firm, and the Securities and Exchange Commission incorporated Villarica Pawnshop on January 5, 1981. Villarica Pawnshop began as a pawnshop but has now expanded to include a wide range of products and services such as Cash Padala, money changing, bill payment, loading, and cash withdrawal. They have approximately 600 branches around the country and are SEC-registered.

They have devised a credit policy to maximize and deliver complete service to customers and protect their assets while they are under custody. A slew of security measures has been put in place in addition to those mandated by the Bangko Sentral ng Pilipinas, all in the name of better service.

Pros and cons

Villarica pawnshop provides individuals with a decent pawning experience. However, before making your transaction, it is always important to know all the pros and cons of their pawning services.

Pros

  • They have one of the highest appraisal rates available.
  • Customer service is one of their top concerns.
  • Their hallmarks are hospitality and quickness, and their customer service is among the best in the country.
  • The pawning services are provided at no cost.
  • They offer one of the lowest interest rates available.

Cons

  • They do not offer 24/7 customer assistance.
  • Their services are only available in person.

Products

Villarica Pawnshop Inc. offers various products and services, including money changing, bill payment, loading, cash withdrawal, pawning, etc.

Pawning

Villarica Pawnshop has one of the nation's highest appraisal rates. There is no charge for an appraisal, and your loan will be approved in less than five minutes. They are a common choice for Filipinos who want to pawn their goods. They also offer very good interest rates with their 4% - 6% monthly rate; the loan term is from 10 days to 120 days, and you can pawn your goods for prices ranging from ₱10,000 to ₱100,000.

To use their service, visit any Villarica Pawnshop location near you, submit the pawning item, and inform customer service how much you want. You will be informed of the appraised value of your item, and you will have the option to accept or reject it. If you accept, fill out the KYC form, sign the pawn ticket, and wait for your money. Once you receive the money, confirm it and keep your ticket secure since you will need it for redemption or renewal.

Cash Padala

You can send money to and from anywhere in the world with Villarica Cash Padala. To send money, visit any Villarica Pawnshop branch closest to you, fill out the form that will be given to you, and present it along with one valid ID and the total amount to send. Give the Control Number to your recipient/beneficiary.

Money changing

The Villarica Pawnshop will exchange your cash for any foreign currency. Exchange rates may differ, but you can find them on the Villarica Pawnshop Facebook page or website. They update the exchange rates regularly, so you are always in the know. The Villarica Pawnshop exchange rates are only indicative and may vary by branch and time of day. For exact prices, visit or call the nearest Villarica Pawnshop branch.

Bills payment

You can pay any of your bills through Villarica Pawnshop, including water, electricity, phone bill, mortgage, insurance, Internet, and more. To see a full list of bills you can pay, please, visit the website of Villarica Pawnshop. Some Villarica Pawnshops are Bayad Centers, so you won't have to stand in line anymore to pay. It's simple and hassle-free.

Cash withdrawal

It is easy to withdraw money using your ATM card at Villarica Pawnshop. All you have to do is take your card to the nearest branch. Then, enter the PIN code and the amount you want to withdraw, and you are done. After completion, you will also receive a printed receipt.

Loading station

Villarica Pawnshop offers this convenient service as well. At any local Villarica Pawnshop, you can buy mobile phone credits for calls, texts, and mobile data. These retailers serve Globe, Smart, Touch Mobile, Sun, Talk N Text, and PLDT.

Villarica

FAQ

What is Villarica Pawnshop?

Villarica Pawnshop is a pawnshop and non-bank financial institution in the Philippines that offers various services such as pawn-breaking, money transmission, bill payment, direct remittance, and electronic reloading.

Who is the owner of the Villarica Pawnshop?

It was founded by Mrs. Paz R. Villarica but is now owned by her son, Atty. Henry R. Villarica and his wife Linabelle Ruth R. Villarica.

How does Villarica Pawnshop work?

Visit any Villarica Pawnshop location near you, submit the pawning item, and inform customer service how much you want. You will be informed of the appraised value of your item, and you will have the option to accept or reject it. If you accept, fill out the KYC form, sign the pawn ticket, and wait for your money. Once you receive your money, confirm it and keep your ticket secure since you will need it for redemption or renewal.

What are the pawning requirements at Villarica Pawnshop?

The only one you need is a photo ID and the collateral proof of ownership. At Villarica Pawnshop, only two things are required for a loan to be granted - another reason why Villarica Pawnshop is very popular.

What are Villarica Pawnshop pawnable items?

The accepted items are gold, diamond, platinum jewelry, watches, mobile phones, laptops, or computers.

What are the minimum and maximum loan amounts at Villarica Pawnshop?

The minimum loan amount is ₱10,000, and the maximum is ₱100,000.

What is Villarica Pawnshop’s interest rate?

Their interest rate is between 0.13%– 0.2% daily and 2%– 4% monthly. Villarica Pawnshop is known for its extremely low-interest rates but high appraisal rates.

How many days does Villarica Pawnshop give the customer before the pawned item is auctioned?

Villarica provides a 90-day grace period before the pawned item is auctioned.

Is bills payment or Payment Center available at all Villarica Pawnshop branches?

No. Some branches don't accept bills payment. Please, check their website to find out if the branch near you accepts bills payment or has a Payment Center facility.

Financial products

Villarica
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
10 000 - 100 000 ₱
Rate
i

Effective interest rate on the product

4% - 6% per month
Term
i

Loan term for the financial product

10 - 120 days

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 Villarica loan calculator

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

Villarica calculator
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