Pawnshops and remittance centers
1713 pawnshop offices and 4 money service business offices, as listed on the BSP pawnshop and money service business lists as of 30 September 2025. Every brand shows its offices, how many are registered for remittance and how many as money changer.
Cebuana Lhuillier in Santa Cruz
33 offices: 3 registered as pawnshop, 3 for remittance, 3 as money changer or foreign exchange dealer.
M Lhuillier in Santa Cruz
33 offices: 3 registered as pawnshop, 3 for remittance, 3 as money changer or foreign exchange dealer.
Palawan Pawnshop and Palawan Express in Santa Cruz
22 offices: 2 registered as pawnshop, 2 for remittance, 2 as money changer or foreign exchange dealer.
Banks
10BSP list: Updated 18 September 2026
Off-site ATMs
5BSP list: Updated 18 September 2026
Other pawnshops
5BSP list: As of 30 September 2025
Remittance offices
4BSP list: As of 30 September 2025
Against the rest of Zambales
Per person, Santa Cruz has more bank offices than the median Zambales town: 1.6 against 1.5 per 10,000 people.
1.6 per 10,000 = 10 BSP-listed bank offices ÷ 63,839 people (PSA 2020 Census) × 10,000; the Zambales median is 1.5 across the 14 towns with a census count. Moved to Santa Cruz? See how to transfer your BIR RDO.
Before you pawn or send money
These rules apply to the 13 pawnshop offices and the 4 money service business offices here, 13 of them registered for remittance.
- Pawnshops
- Pawn only at a pawnshop on the BSP list: the law requires registration before it makes its first loan (Presidential Decree No. 114, Sec. 6). Keep the signed pawn ticket. The pawnshop must give you one for every loan (Presidential Decree No. 114, Sec. 12). Missed the due date? You still have 90 days from maturity to redeem the item by paying the principal and interest (Presidential Decree No. 114, Sec. 13). You must be notified before an unredeemed item is sold, and it can only be sold at a public auction (Presidential Decree No. 114, Secs. 14 and 15).
- Remittance companies and money changers
- Send or claim money only at a BSP-registered remittance company or money changer. Each registered head office holds a BSP Certificate of Registration and a metal plate with its registration number (BSP Circular No. 1206, Series of 2024, Sec. 102-M). At a sub-agent counter, look for the posted sign naming the remittance company it represents (BSP Circular No. 1206, Series of 2024, Sec. 104-M).
Check a pawnshop or remittance office
Result for Santa Cruz
13 pawnshop and remittance companies have offices in Santa Cruz on the BSP pawnshop and money service business lists as of 30 September 2025. 2 offices in Santa Cruz are on the BSP delisted lists, 1 January 2019 to 30 September 2025; the latest, Sta. Cruz Remittance Center*, on June 2019.
Next: if the name you typed is not on the list, search it in the BSP Verifier; if it shows as delisted, do not pawn or send money there and report it through the BSP consumer assistance channels. Every delisted office with its date: delisted pawnshops and remittance offices.
