All you need to know about your PawnHero loan

How to get your money

All PawnHero customers have the option to avail of the free cash card card that can be used to withdraw at any BancNet ATMs. The free cash card is included in your Personal Loan Kit which our certified PawnTrooper will hand over to you upon pick up of the item that you will pawn with us.

You can also opt for another cashout method such as direct bank deposit (any bank) or thru

How to pay your loan

1. Loan Redemption

Redeem your loan on or before the maturity date to avoid inconvenience. You may pay via these payment methods:

  • Over-the-Counter Cash Payment
  • Online Bank Payment
  • 7-Eleven (7-Connect)

2. Loan Renewal

Not ready to redeem your loan? You can opt for a loan renewal! All you have to do is pay your interest amount due in full amount to extend your loan for another month. Payment methods for Loan Renewal are same with payment methods for Loan Redemption.

Appraisal value and interest rates

Your final appraisal value may be higher or lower than the initial appraisal value given depending on the condition of your item which will be determined during the physical inspection process. Please make sure that the description of your item matches its actual and current condition for a smoother transaction and quicker process of your loan application.

PawnHero interest rates start as low as 2.99% every month. Although your interest rate may vary due to the following factors: item condition, age, and category. Items in the electronics and gadgets categories may hold higher interest rates since value depreciates faster for these items.

Other fees and charges

  • Pick and and delivery of loan collateral: FREE

  • Insurance coverage in transit: FREE

  • Insurance coverage while in storage:FREE

  • Storage fee: FREE

  • Cash card fee: FREE