MCash-Wallet

MCash is M Lhuillier’s official mobile application that allows users to send and receive money, buy load, pay bills, ShopSafe and more using a smartphone.

Send Money

Conveniently perform any of MCash Send Money options: MCash to MCash , Kwarta Padala or MCash to Bank* anytime, anywhere.

Buy ELoad

Easily buy or send load to your friends and family with just a few taps on your smartphone!

Pay Bills

Quickly pay your bills to over 400 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!

Add Money

Cash in by visiting the nearest M Lhuillier branch or add money through ML Wallet’s partner banks*!

Receive Money

No time to visit an M Lhuillier branch to get your Kwarta Padala? Receive up to PHP 50,000.00** per transaction through your MCash. Simply type the required Receive Money details after logging in!

Withdraw Money

Withdraw up to PHP 40,000** per day from any of the 2,500 M Lhuillier branches nationwide. Find the nearest ML branch by clicking the Branch Locator in the App!

Buy Items*

Find the best prices and shop pre-loved jewelry, mobile phone accessories and other pawnable items in the ML Shop!

Loan***

Salary Loan - Quick, zero-fee Salary Loan with hassle-free repayment.

Period for repayment: Minimum of 6 months | Maximum of 1 year

Maximum Annual Percentage Rate (APR) - 24% (VISMIN), 21% (LNCR)

Sample Loan Calculation:

Loan Amount - 75,000

Loan Term - 12 MONTHS

Per Payroll - 3,875, MONTHLY - 7,750

Charges:

DOCUMENTARY STAMP - 0.003 (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)

PROCESSING FEE - 0.5% (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)

*Coming soon

**for fully verified users only

*** Employees and Affiliated Business Partners Only