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.

Credit limit amounts: P500 to P25,000
Up to 61 days loan Term
5.0% Interest rate per month
Maximum Annual Percentage Rate (APR) - 24% (VISMIN), 21% (LNCR)
No late payment penalties
No Admin fee

Sample Computation:
Principal Amount: P5,000
Interest Fees at 61 days: P500
Total amount to be paid: P5,500
Repay ₱1,375 every 15 days

Charges:
DOCUMENTARY STAMP - 0.003 (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)
PROCESSING FEE - 0.5% (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)

SEC licensed: Lhuillier Saison Financing Corporation.
Lhuillier Saison Financing Corporation is a registered and licensed financial institution operating under its own regulatory compliance.
Company Reg. No CS201907721
Certificate of Authority No. 1216

Carefully review and ensure that you have read and understood the terms and disclosures before initiating any transactions.

PRIVACY & PERMISSIONS
We will never disclose any personal information with anyone that is not you without your permission, or sell your data to third parties.

https://mlhuillier.com/privacy-notice/

*Coming soon
**for fully verified users only
*** Employees and Affiliated Business Partners Only

Recent changes:
UI fixes, and enhancements.