Renewal / Pagpatuloy ng Loan

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

  • You will find the maturity date of your loan on your pawn ticket which you will receive upon 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 and to check the status and maturity date of your loan.


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    How can I pay for my loan?

    What if I fail to pay my loan?


    Pagsasalin:

    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. Pwede mo ring alamin, sa anumang oras, ang estado ng iyong loan at ang araw ng pagtubos, bisitahin ito: https://pawnhero.ph/pawn/ticket/XXXXXX palitan lamang ang XXXXXX ng iyong ticket number.


    Alamin pa dito

    Paano ko babayaran ang aking loan?

    Paano kung hindi ko mabayaran ang aking loan? 


How can I renew / extend my loan? / Paano ako magpapa-renew / extend ng aking loan?

  • If you need more time to repay your loan, you can request for an renewal by visiting www.pawnhero.ph/pawn/redeem/XXXXXX (wherein you'll have to replace XXXXXX with your Pawn Ticket Number). Your renewal request is subject for PawnHero's approval. 

    Once your renewal request is approved, you need to complete the payment to cover for the new period within 24 hours; otherwise, your request will automatically be cancelled and you will need to submit another renewal request.

    Do not pay unless your renewal request has been granted, even if you have a copy of our bank details from a previous transaction. Only because you paid for the interest, it doesn't mean that your loan will be renewed. We reserve the right to refund any money received without renewing your loan. 

    Tip: We suggest you request for a renewal early, leaving enough time to redeem your item(s), in case we are unable to grant you a renewal. Usually PawnHero rejects renewal requests days before expiration of a loan. 

    How long does it take to get an approval or rejection?

    It usually takes up to 24 hours (Monday to Friday) to get a response. 


    Pagsasalin:

    Kung kailangan mo pa ng mas maraming oras, pwede ka humingi ng pag-extend ng iyong loan sa www.pawnhero.ph/pawn/redeem/XXXXXX (kung saan kailangan palitan ang xxxxxx ng iyong Pawn Ticket Number). Kailangang ipa-aproba ang iyong renewal request. 

    Pag na-aprobahan na ang iyong renewal request, kailangan mong bayaran ang kailangan para sa pinatuloy na loan sa loob ng 24 na oras. Kung hindi ito masunod, ikakansela ang iyong request at kakailanganin mong magpadala ng bagong renewal request.

    Huwag magbayad hangga't hindi pa na-aprubahan ang iyong renewal request, kahit na may kopya ka ng mga detalye ng bangko sa nakaraang transaksyon. Dahil lang nagbayad ka ng interes, hindi ibig sabihin na magpapatuloy ang iyong loan. May karapatan kaming magsauli ng bayad na natanggap kung hindi naaprubahan ang iyong pag-renew ng loan.

    Paalala: Humingi ng renewal request ng maagap para mas marami kang oras para itubos ang iyong kagamitan kung sakaling hindi ma-aprubahan ang iyong renewal request. Madal ay tinatanggihan ng PawnHero ang mga renewal request pag malapit-lapit na ito sa araw ng katapusan ng loan.

    Gaano katagal bago ma-apruba o matanggihan ang aking request?

    Madalas ito ay umaabot hanggang 24 na oras (Lunes hanggang Biyernes) bago ka maabisuhan.




Why was my renewal request rejected? / Bakit natanggihan ang aking renewal request?

  • As a pawnshop, the amount you can borrow depends on the item and its condition that you are pawning. When you request for a renewal, we look at the initial loan value vs. the value of your item today. In other words, we determine if the value of your item has depreciated significantly or if it is expected to lose a lot of value over the additional period you requested. We take into account, that we potentially need to sell your item if you fail to pay your loan ever. As a result, we tend to reject renewal requests where we believe that the market value is too low to recover the debt.

    What's next? You can still redeem your item before the end of the redemption period. 


    Pagsasalin:

    Bilang isang sanglaan, ang pwede mong matanggap na loan ay depende sa iyong isasanglang aytem at ang kalagayan nito. Para bumaba ang aming risk (kagaya ng mga karaniwang sanglaan) hindi namin pinapahiram ang 100% na halaga ng iyong aytem. Kailangan namin isaalang-alang ang pagbaba ng halaga ng iyong aytem sa panahon ng iyong loan at ang posibilidad na hindi ito mabayaran. Kailangan ding maibawi ang potensyal na kawalan sa pamamagitan ng pagbenta ng iyong aytem.

    Ano ang sunod na gagawin? Pwede mo pang itubos ang iyong kagamitan bago matapos ang panahon ng pagtubos.

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

  • Once your renewal request is approved, you will be able to proceed with the payment and you will be provided with the amount due. Please note that you need to complete the payment within 24 hours; otherwise, your request will automatically be canceled and you will need to submit another renewal request. 

    Do not pay unless your renewal request has been granted, even if you have a copy of our bank details from a previous transaction. Only because you paid for the interest, it doesn't mean that your loan will be renewed. We reserve the right to refund any money received without renewing your loan. 

    Depending on the payment type you chose, don't forget to confirm your payment

    As soon as the payment has been validated, you will receive an SMS and email confirmation with the new maturity date.


    Pagsasalin:

    Pag na-aprubahan na ang iyong renewal request, papayagan ka ng magbayad at iaabiso ang eksaktong halaga na kailangan bayarin. Tandaan na kailangan bayaran ang kabuuang halaga sa loob ng 24 na oras. Kung hindi ito masunod, ikakansela ang iyong request at kakailanganin mong magpadala ng bagong renewal request.
    Huwag magbayad hangga't hindi pa na-aprubahan ang iyong renewal request, kahit na may kopya ka ng mga detalye ng bangko sa nakaraang transaksyon. Dahil lang nagbayad ka ng interes, hindi ibig sabihin na magpapatuloy ang iyong loan. May karapatan kaming magsauli ng bayad na natanggap kung hindi naaprubahan ang iyong pag-renew ng loan.

    Depende sa pinili mong paraan ng pagbayad, huwag kalimutan ikumpirma ang iyong bayad.

    Sa oras na nabigyang-bisa ang iyong bayad, makakatanggap ka ng SMS at kumpirmasyon sa email na may bagong petsa ng pagtubos.


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

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

    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.

    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!

    Depending on the payment type you chose, don't forget to confirm your payment

    As soon as the payment has been validated, you will receive an SMS and email confirmation with the new maturity date.


    Pagsasalin:

    Maraming paraan ng pagpadala ng pera sa PawnHero para madali para sa iyo ang pagbayad ng renewal ng iyong loan pagkatapos itong aprubahan.

    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
    Coins.ph
    Magbayad gamit ang Coins.ph na serbisyong online para sa pagbayad ng loan at para sa walang hirap na pagpila. Ang Coins.ph ay hindi rin sumisingil ng karagdagang bayad!
    Depende sa pinili mong paraan ng pagbayad, huwag kalimutan ikumpirma ang bayad.
    Sa oras na nabigyang-bisa ang iyong bayad, makakatanggap ka ng SMS at kumpirmasyon sa email na may bagong petsa ng pagtubos.

Where can I submit my payment confirmation? / Saan ko ipapadala ang kumpirmasyon ng aking bayad?

  • Once you made the payment, upload a copy of the deposit slip or any other type of payment confirmation here

    Refrain from sending the deposit slip via email, since this will delay the process. 

    As soon as the payment has been validated, you will receive an SMS and email confirmation with the new maturity date.

    Pagsasalin:

    Pagkatapos mong magbayad, mag-upload ng kopya ng deposit slip o kahit anong klase ng kumpirmasyon dito.

    Iwasan magpadala ng deposit slip sa email dahil mapapatagal ang proseso.

    Sa oras na mabigyang-bisa ang iyong bayad, makakatanggap ka ng SMS at kumpirmasyon sa email na may bagong petsa ng pagtubos.