Personal Lending & Pawn — Nationwide

So that they can be compared. Shops usually quote interest monthly or daily and then add appraisal, asset management and storage fees — each in its own way, so two figures side by side say nothing. vServe requires every provider in this industry to convert to one unit: total monthly cost per 10 million VND borrowed, interest and all fees included. One figure, one unit, comparable at a glance.

Article 468 of the 2015 Civil Code caps interest on asset lending at 20% per year, and that includes pawn lending. On a 10 million VND loan, the interest portion tops out at roughly 166,000 VND per month. Decree 144/2021 sets fines of 10 to 20 million VND for pawn or secured lending that exceeds it. The figure is worth remembering because it applies anywhere, including at a shop you find outside the platform.

Four things belong on paper: the redemption date in writing; the total payable on redeeming on time and on extending by one further period, both calculated in advance; a condition report with photographs made on the spot, with the serial number written in for electronics; and the shop's security and order licence under Decree 96/2016. A reputable shop will put all four in writing, so asking costs nothing.

No. vServe connects: it does not lend, does not hold assets, does not guarantee anything and is not a party to the contract. Its role is to bring shops onto one table and require quotes in the same unit so borrowers can compare. It verifies business identity through tax code and business registration and shows a verification tier, but does not assess licences and does not rank by advertising spend.

Yes. Alongside pawn services, this page covers advisory work on secured and unsecured bank loan files, independent asset valuation before negotiating, personal debt restructuring, and handling an overdue loan. These carry a service fee per case rather than loan interest, so their price unit differs.

To negotiate from a figure with a basis behind it. When only the shop values the asset, the borrower has nothing to compare against and usually accepts the first number offered. An independent valuation certificate states the market value at that time, carries a signature and seal, can be used with several shops at once, and can be reused later.

No. They are reference ranges carrying a not-yet-confirmed label, meant for estimating before requesting quotes. The real figure comes from each shop after inspecting the asset, since it depends on asset type and condition, loan size, term and expected renewals. That is why every service here runs through a quote request rather than instant booking.