Redemption / Pagtubos

When is my loan due? / Kailan ko dapat bayaran ang aking loan?

  • You find the maturity date in Section 2 (loan terms) on your pawn ticket which you received upon the pick up. 



    PawnHero will also notify you via SMS and email before your loan is due. You can view your ticket status by visiting https://pawnhero.ph/pawn/ticket/XXXXXX and replacing XXXXXX with your ticket number.

    Read more

    How can I extend my loan?

    What if I fail to pay my loan?


    Pagsasalin:

    Makikita ang petsa ng pagtubos sa Section 2 (loan terms) sa pawn ticket na matatanggap mo pagkakuha ng iyong aytem.

    Ipapahayag din sa iyo ang petsang ito sa SMS o e-mail. Pwede mo ring alamin, sa anumang oras, ang estado ng iyong loan at ang araw ng pagtubos bisitahin ang: https://pawnhero.ph/pawn/ticket/XXXXXX at palitan ang XXXXXX ng iyong ticket number.

    Alamin pa dito

    Paano ko ipapagpatuloy ang aking loan?

    Paano kung hindi ko mabayaran ang aking loan?


How much do I have to pay? / Magkano ang kailangan kong bayaran?

  • The amount you have to pay is the loan principal which you find in Section 3 (loan details in Php) of your pawn ticket. Please be aware that the moment your loan reached maturity date (see Section 2) additional interest will be due. 



    If you can't find your pawn ticket or your loan already reached its maturity date, you can check the amount payable by visiting www.pawnhero.ph/pawn/redeem/XXXXXX (wherein you'll have to replace XXXXXX with your Pawn Ticket Number).

    Why do I have to pay the loan principal when I only received the net proceeds?

    Loan principal - interest = net proceeds. Since PawnHero deducts the interest upfront the amount payable when you want to redeem your item(s) is the loan principal. 

    Depending on the payment type you chose, don't forget to confirm your payment in order for us to return your item(s) as soon as possible.


    Pagsasalin:


    Ang babayaran mo ay ang prinsipal ng loan o ang puhunan na makikita mo sa Section 3 (ang detalye ay nasa Php) ng iyong pawn ticket. Alalahanin na pag-abot ng araw ng pagtubos (tingnan ang Section 2), kailangang magbayad ng karagdagang interes.

    Kung hindi mo mahanap ang iyong pawn ticket o ang iyong loan ay umabot na sa araw ng pagtubos, pwede mo makita ang iyong balanse pag-log-in mo sa iyong PawnHero account o pagbisita mo sa www.pawnhero.ph/pawn/redeem/xxxxxx (kung saan kailangan palitan ang xxxxxx ng iyong Pawn Ticket Number).

    Bakit ko kailangan bayaran ang prinsipal o puhunan kung ang net proceeds lamang ang natanggap ko?

    Prinsipal - interes = net proceeds. Dahil ang PawnHero ay nagbabawas kaagad ng interes, ang balanse mo sa araw ng pagtubos ay ang prinsipal ng loan. 

    Depende sa pinili mong paraan ng pagbayad, huwag kalimutan ikumpirma ang bayad para maisauli namin ang kagamitan mo sa madaling panahon. 

How can I pay for my loan? / Paano ko babayaran ang aking loan?

  • PawnHero provides a wide variety of payment options, making it easy and convenient to pay for your loan.

    Cash payment
    Pay through bank deposits/fund transfer via BDO, BPI, Metro Bank, Union Bank, etc., or through cash at payment centers such as Bayad Center, LBC, SM, ECPay, etc.

    Electronic banking via BancNet
    Pay through BancNet payment gateway using your ATM card online. Through DragonPay, we accept debit cards from all major banks including PawnHero Card.

    7-Eleven 7-Connect service
    Pay through any 7-Eleven outlets nationwide using only a reference number received via email (no need to bring the actual pawn ticket).
    Fee: A 3.5% convenience fee applies.

    Coins.ph
    Pay through Coins.ph online concierge service for loan payment without the hassle of lining up. Plus, Coins.ph does not add fees to your payments!

    Coins.ph Payment Instructions:
    1. Please log in to your Coins.ph account
    2. Go to the "Pay Bills" tab
    3. Click on the dropdown for "Bill Type" and select "Merchant"
    4. Click on the dropdown for "Company Name" and select "PawnHero"
    5. Enter your Name, Reference Number, Due date and Exact Amount to pay on the required fields
    6. Finally, click on "Pay Bill" to complete your payment.

    You will receive a notification the moment your payment has been validated and we return your item.


    Depending on the payment type you chose, don't forget to confirm your payment in order for us to return your item(s) as soon as possible.

    Pagsasalin:

    Maraming paraan ng pagpadala ng pera sa PawnHero para madali para sa iyo ang pagbayad ng iyong loan.

    Cash payment
    Magdeposito sa bangko o fund transfer sa BDO, BPI, Metro Bank, Union Bank, atbp., o pagbayad ng cash sa mga payment center tulad ng Bayad Center, LBC, SM, ECPay, atbp.

    Electronic banking  sa pamamagitan ng BancNet
    Magbayad sa mga BancNet payment gateway gamit ang iyong ATM card habang online. Sa pamamagitan ng DragonPay, tumatanggap kami ng debit card ng lahat ng nangungunang bangko.

    7-Eleven 7-Connect service
    Magbayad sa mga 7-Eleven na tindahan sa buong bansa  gamit lamang ang reference number na matatanggap mo sa email (hindi mo kailangan dalhin ang mismong pawn ticket).
    Karagdagang bayad: 3.5% na convenience fee

    Depende sa pinili mong paraan ng pagbayad, huwag kalimutan ikumpirma ang bayad para maisauli namin ang kagamitan mo sa madaling panahon. 

    Kung kailangan mo pa ng mas maraming oras, pwede ka humingi ng extension ng iyong loan (na kailangang ipa-aproba).  Bisitahin ang www.pawnhero.ph/pawn/redeem/xxxxxx (kung saan kailangan palitan ang xxxxxx ng iyong Pawn Ticket Number) para sa karagdagang impormasyon.


What if I fail to pay my loan? / Paano kung hindi ko mabayaran ang aking loan?

  • If you fail to pay for your loan at the end of the redemption period (indicated on your pawn ticket), PawnHero will claim ownership of the item(s) to cover the debt as based on regular pawnshop regulations. 

    The interest for the entire loan duration (until maturity date) will be deducted when we pay out the loan. If you pay your loan post maturity date (before the end of the redemption period), we will charge you the occurred interest at the same interest rate. 

    If you need more time, you can request for an extension (subject to approval). In any case, PawnHero will not penalize you for late payments and will never charge hidden fees.

    When is my loan due?
    Your loan due is found on the pawn ticket that you will receive upon pick up, but we will also notify when your loan is due via SMS and email.

    In line with our privacy policy, we will never share the details of your transaction with credit agencies nor release them as public records.

    Can I buy back my item after I defaulted on the loan?
    Some items are sold through www.Marketplace.ph on a first come first serve basis.

    Pagsasalin:

    Kung hindi mo mabayaran ang loan sa katapusan ng panahon ng pagtubos (nakalaan ito sa pawn ticket), ang mga kagamitan mo ay magmamay-ari na ng PawnHero. Ito ay ayon sa mga regulasyon ng sanglaan.
    Ang interes para sa panahon ng loan (hanggang maturity date) ay ibabawas pagkabayad sa iyo ng loan. Kung magbayad ka pagkatapos ng maturity date (bago matapos ang panahon ng pagtubos), sisingilin sa iyo ang dumaan na interes na may parehas na interest rate.

    Kung kailangan mo pa ng mas maraming oras, pwede ka humingi ng extension ng iyong loan (na kailangang ipa-aproba). Ang PawnHero ay hindi magmumulta o magsisingil ng hidden fees.

    Kailan ko dapat bayaran ang aking loan?
    Makikita ang petsa ng pagbayad ng loan sa pawn ticket na matatanggap mo pagkakuha ng iyong aytem, pero ipapahayag din sa iyo ang petsang ito sa SMS o e-mail.

    Ayon sa aming patakaran sa pagiging pribado, hindi namin kailanman ipapamahagi ang mga detalye ng iyong transaksyon sa mga ahensiyang nagpapautang o ipapahayag ito bilang pampublikong rekord. 

    Pwede ko ba bilhin muli ang aking aytem pag ito'y naremata?
    Ang ibang aytem ay binebenta sa www.Marketplace.ph sa mga pinakaunang bibili .

Where can I submit my payment confirmation? / Saan ako magpapadala ng kumpirmasyon ng aking bayad?

Step-by-step: DragonPay - Over-the-Counter Payment

  • Step 1
    During the redemption / renewal process choose Cash Payment (over-the-counter) which will bring you to the DragonPay website. 

    Step 2
    You will be prompted for the payment fund source. Choose among the over-the-counter Bank payment options. As an example, if you choose Banco de Oro over-the-counter as the fund source, this means that you will pay by depositing the money to a BDO branch teller.

    Step 3
    Enter your email address here. Dragonpay will send the deposit instructions to you via email, so make sure the address provided is correct. If you prefer to use an alternate address, you may modify it here before you click the Confirm button.

    Step 4
    After you click the Confirm button, you will be redirected back to the PawnHero website. At this point, your payment is in Pending status. PawnHero will not return or renew your loan yet until you have completed the payment cycle with Dragonpay.

    Step 5
    Check your email inbox. By this time, the deposit instruction sent in Step 3 should have been received already. If not, check your Spam or Junk folder to make sure it was not misrouted there.  The email contains the bank account number and name that you should use when depositing. Go to the nearest branch, fill-up a regular deposit with the provided details, and hand-over the cash to a teller.

    Step 6
    The teller will give you a deposit slip receipt to confirm your transaction. That deposit slip contains several important information including: the date and time of the transaction, the code/name of the bank branch, and the amount you paid. Go back to the email received in Step 5 and click on the link provided to confirm your transaction. Fill-in the screen (shown to the right of this text) with the deposit slip receipt details and click the Confirm button. Dragonpay will verify your deposit and inform PawnHero if it was successfully processed. If you do not receive a confirmation email from PawnHero within 2 days from validation, you may contact us for immediate assistance.

    Step 7
    Upon successful validation of payment, Dragonpay sends an email to you for your records.

    Here is the list of banks and establishments where you can pay after you finishing Steps 1-4. 

    Over-the-Counter Banking and ATM:
    - BDO Over-the-Counter
    - BPI Over-the-Counter
    - Metrobank Over-the-Counter
    - RCBC Over-the-Counter
    - EastWest Over-the-Counter
    - UCPB Over-the-Counter and ATM
    - Chinabank Over-the-Counter and ATM
    - PNB Over-the-Counter, ATM and Internet Banking
    - Sterling Bank of Asia Over-the-Counter, ATM and Internet Banking
    - Maybank Over-the-Counter, ATM and Internet Banking
    - Landbank Over-the-Counter
    - Unionbank Over-the-Counter
    - Unionbank ATM

    Over-the-Counter non-Bank:
    - LBC Payment Centers (any LBC outlet nationwide except those inside SM Malls; 7-days-a-week)
    - SM Payment Counters


    Pagsasalin:

    Step 1

    Tuwing proseso ng pagtubos o renewal, piliin ang Cash Payment (over-the-counter) at iuugnay ka sa DragonPay websayt.

    Step 2

    Itatanong sa iyo ang pinagmulan ng pera. Pumili sa mga opsyon ng pagbayad ng over-the-counter sa bangko. Halimbawa, kung piliin mo ang Banco De Oro bilang pinagmulan ng pera, ibig sabihin nito ay mag-dedeposito ka ng pera sa isang branch teller ng BDO.

    Step 3

    "Itala ang iyong email address dito. Magpapadala ang DragonPay ng email ng instruksiyon

     ng pagdeposito. Siguraduhin na tama ang iyong itinala na email address. Kung nais mong gumamit ng ibang email address, pwede mo baguhin dito bago i-click ang Confirm. "

    Step 4

    Pagkatapos mo i-click ang Confirm, ibabalik ka sa websayt ng PawnHero. Sa ngayon, ang estado ng bayad mo ay Pending. Hindi pa ibabalik ang iyong aytem o ipapa-renew ang iyong loan hangga't natapos mo na ang proseso ng DragonPay.

    Step 5

    I-tsek ang iyong email inbox. Dapat matanggap mo na ang instruksiyon ng pagdeposito na binanggit noong Step 3. Kung hindi, paki-tsek ang Spam o Junk folder para siguraduhin kung nasaan ang email. Ang email ay nagsasaad ng bank account number at pangalan ng dedeposituhan mo. Pumunta sa pinakamalapit na branch, punan ang regular na deposit slip ng mga detalyeng binigay at ibigay sa cash teller.

    Step 6

    Bibigyan ka ng teller ng resibo ng deposit slip na kinukupirma ang transaksyon. May mga importanteng detalye ang deposit slip tulad ng: petsa at oras ng transaksyon, ang code/ pangalan ng branch ng bangko at ang halagang ibinayad mo. Bumalik sa email na natanggap noong Step 5 at i-click ang link na ipahayag para makumpirma ang iyong transaksyon. Punan ang screen (pinapakita sa taas nito) na may detalye ng resibo ng deposit slip at abisuhin ang PawnHero kung tagumpay ang pagproseso. Kung hindi ka makatanggap ng email ng kumpirmasyon sa PawnHero sa loob ng 2 araw ng balidasyon, maaari mo kaming tawagan para tulungan ka namin.

    Step 7

    Sa oras na tagumpay ang pagbigay-bisa ng iyong bayad, nagpapadala ang Dragonpay ng email para sa iyong mga rekord.

    Ito ang listahan ng mga bangko at serbisyo kung saan pwede ka magbayad pagkatapos ng Step 1-4.

    Over-the-Counter na Bangko at ATM.

    - BDO Over-the-Counter

    - BPI Over-the-Counter

    - Metrobank Over-the-Counter

    - RCBC Over-the-Counter

    - EastWest Over-the-Counter

    - UCPB Over-the-Counter at ATM

    - Chinabank Over-the-Counter at ATM

    - PNB Over-the-Counter, ATM at Internet Banking

    - Sterling Bank of Asia Over-the-Counter, ATM at Internet Banking

    - Maybank Over-the-Counter, ATM at Internet Banking

    - Landbank Over-the-Counter

    - Unionbank Over-the-Counter

    - Unionbank ATM

    Over-the-Counter na hindi Bangko

     - mga LBC Payment Center (kahit anong LBC outlet sa buong bansa bukod sa mga outlet sa loob ng SM Mall; araw-araw)

     - mga SM Payment Counter

Step-by-step: DragonPay - Online Payment

  • Step 1
    During the redemption/renewal process, choose ATM/debit or Online Banking which will bring you to the DragonPay website. 

    Step 2
    You will be prompted for the payment fund source. Choose among the Online Bank payment options. For example, if you choose Security Bank as the fund source, you will pay using your Security Bank Internet Banking account.

    Step 3
    You will be prompted for your Security Bank Internet Banking login ID and password. Enter them here correctly and click the Continue button to proceed.

    Step 4
    Dragonpay will retrieve the bank accounts enrolled in your Internet banking facility and present them in a drop-down list. Choose the account you wish to debit the payment from.

    Depending on your bank’s policy, they may require a Transaction Password, which is different from your Login Password in order to perform financial transactions. If it does, enter that password in the blank space provided. Internet banking facilities that require such a password includes those from Unionbank, Chinabank, and RCBC. Other banks like BDO, BPI, EastWest Bank and Metrobank do not require this.

    After you have selected the account and provided the Transaction Password (if any), click the Pay button to authorize Dragonpay to charge the online purchase from that account.

    Step 5
    Upon completion, your browser will be redirected back to the merchant site. You will be informed by the merchant on the completion status — whether successful or not. Possible causes for a failed transaction include: an incorrect Transaction Password was provided, or the total amount you were requesting is beyond the daily limit allowed by your bank’s Internet banking facility. Most banks limit online payments to a maximum of Php 50,000 a day.

    Step 6
    Dragonpay will send a confirmation to your email address with the status of the payment — whether successful or not. PawnHero will also inform you once we received your payment. 

    Here is the list of banks and establishments where you can pay via DragonPay: Online Payment:

    - BDO Retail Internet Banking (register DragonPay with the online banking facility first)
    - BPI ExpressOnline/Mobile (register DragonPay with the online banking facility first)
    - Metrobankdirect (register DragonPay with the online banking facility first)
    - RCBC AccessOne (no registration required)
    - Eastwestbanker (no registration required)
    - UCPB Connect (no registration required)
    - Chinabank Online (no registration required)
    - Unionbank Retail Internet Banking (no registration required)
    - Unionbank EON (no registration required)


    Pagsasalin:

    Step 1

    Tuwing proseso ng pagtubos o renewal, piliin ang ATM/debit at iuugnay ka sa DragonPay websayt.

    Step 2

    Itatanong sa iyo ang pinagmulan ng pera. Pumili sa mga opsyon ng pagbayad ng over-the-counter sa bangko. Halimbawa, kung piliin mo ang Banco De Oro bilang pinagmulan ng pera, ibig sabihin nito ay mag-dedeposito ka ng pera sa isang branch teller ng BDO.

    Step 3

    Hihingiin ang iyong Security Bank Internet Banking na log in ID at password. Ipuna ng tama ito at i-click ang Continue.

    Step 4

    Ipapakita ng DragonPay ang mga bank account na nakalista sa iyong Internet banking na pasilidad. Piliin sa drop-down na listahan ang account na nais mong pagkuhanan ng bayad.

    Depende sa polisiya ng iyong bangko, posibleng hingian ka ng Transaction Password; ito'y naiiba sa Login Password para makapag-transaksyon. Kung ito'y hingi, ipuna ang password. Ang mga pasilidad ng Internet Banking na humihingi nito ay Unionbank, Chinabank at RCBC. Hindi ito hinihingi ng ibang bangko tulad ng BDO, BPI, EastWest Bank at Metrobank.

    Pagkatapos mo piliin ang account at ipuna ang Transaction Password (kung meron man), i-click ang Pay para ma-awtorisa ang DragonPay na sumingil ng bayad galing sa account na iyon.

    Step 5

    Pagkatapos nito, ibabalik ka sa websayt ng merkado. Aabisuhin ka ng merkado ukol sa estado ng iyong bayad - kung tagumpay o hindi. Mga dahilan ng hindi pagpapatuloy ng transaksyon ay: maling Transaction Password ang naipuna o ang buong halaga na nais mo ay sobra sa pang-araw-araw na limitasyon ng pasilidad ng Internet Banking ng bangkong iyon. Ang madalas na limitasyon ng bangko ay Php 50,000 bawa't araw.

    Step 6

    Magpapadala ang DragonPay ng email ukol sa estado ng iyong bayad - kung tagumpay o hindi. Aabisuhin ka rin ng PawnHero kung natanggap namin ang iyong bayad.

    Ito ang listahan ng mga bangko at serbisyo kung saan pwede ka magbayad sa pamamagitan ng DragonPay: Online Payment:

    - BDO retail Internet Banking (kailangang irehistro ang DragonPay sa pasilidad ng online Banking muna) 

    - BPI ExpressOnline/Mobile (kailangang irehistro ang DragonPay sa pasilidad ng online Banking muna)

    - Metrobankdirect (kailangang irehistro ang DragonPay sa pasilidad ng online Banking muna)

    - RCBC AccessOne (hindi kailangang magrehistro)

    - Eastwestbanker (hindi kailangang magrehistro)

    - UCPB Connect (hindi kailangang magrehistro)

    - Chinabank Online (hindi kailangang magrehistro)

    - Unionbank retail Internet Banking (hindi kailangang magrehistro)

    - Unionbank EON (hindi kailangang magrehistro)