Cebuana Lhuillier
The largest pawnshop network in the Philippines, with an official online appraisal calculator.
Cebuana gold rate →Pawnshop gold appraisal · Philippines 🇵ðŸ‡
Pawnshop Gold Rates in the Philippines Today
An estimate of what pawnshops pay for gold today — per gram, by karat — based on the live market melt value.
Estimated pawn offer · 21K per gram
₱4,035 – ₱5,502
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Estimates only — actual pawnshop rates vary by company, branch and day. Always get an in-person appraisal.
Estimated pawn offer by karat — today
| Karat | Purity | Per gram | Est. pawn offer / g |
|---|---|---|---|
| 24K | 99.9% | ₱8,383.47 | ₱4,611 – ₱6,288 |
| 22K | 91.7% | ₱7,684.85 | ₱4,227 – ₱5,764 |
| 21K | 87.5% | ₱7,335.54 | ₱4,035 – ₱5,502 |
| 18K | 75.0% | ₱6,287.60 | ₱3,458 – ₱4,716 |
| 14K | 58.3% | ₱4,890.36 | ₱2,690 – ₱3,668 |
Estimated offer = 55–75% of today's market melt value. The real rate depends on the shop, branch, the item and its tested purity. Try the calculator →
How pawnshops appraise gold in the Philippines
When you pawn or sell gold, the appraiser does three things: weighs the item, tests its karat (purity), and applies a buying rate that is a percentage of the gold's melt value — the value of the pure gold it contains. That rate is usually around 55–75% of melt, because the shop must cover its margin, the risk of price swings, and the chance a pawned item is not redeemed.
So two things drive your offer: today's gold price (which sets the melt value, shown live above) and the karat of your piece. A 21K ring is appraised higher per gram than an 18K one because it contains more gold.
Tips to get more for your gold
- Know the melt value first. Read today's per-karat rate off this site before you go.
- Compare shops. Rates differ between chains and even branches — get two or three quotes.
- Separate by karat. Don't let everything be weighed and paid at the lowest karat rate.
- Pawn vs sell. Pawning is a loan you repay with interest to redeem the item; selling is final and usually pays a bit more.
Major pawnshop chains
Palawan Pawnshop
Nationwide pawning and remittance, widely used for gold appraisal.
Palawan gold rate →M Lhuillier
One of the country's biggest pawnshop and financial-services chains.
M Lhuillier gold rate →Pawnshop gold rates — frequently asked questions
How much do pawnshops pay for gold per gram?
Typically 55–75% of the market melt value, depending on the shop, the karat and the item. See today's estimated per-gram figures above.
Which pawnshop has the highest gold rate?
Rates change daily and vary by branch, so compare. Cebuana Lhuillier, Palawan Pawnshop and M Lhuillier are the largest networks; guides for each are linked above.
Is it better to pawn or sell my gold?
Pawning is a loan you repay with interest to get the item back; selling is final and usually pays slightly more. Choose based on whether you want the piece back.
How is the karat of my gold checked?
Appraisers test gold with acid or electronic testers and read any hallmark (e.g. 750 for 18K, 875 for 21K), then weigh it to calculate value.