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Cebuana Lhuillier Review

The COVID-19 pandemic severely affected Filipinos of all income levels, which caused most low-income earners to lose their jobs while business owners had to cut expenses and retrench employees. The majority of consumers were left without a reliable source of income and had no choice but to rely on the limited funds they had saved.

As of this time, the country’s economy is slightly recovering and is viewed to have six to seven percent growth in 2022. Although not all consumers can cope with the pandemic’s aftermath, some still need financial solutions to help them recover. It’s a good thing Cebuana Lhuiller is available everywhere, which serves as a one-stop shop for consumers with varying financial needs.

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Written by: Big Piggyy

Verified by: Krisette C.L

Krisette C.L

Author

Krisette has been hustling online media industry since 2011. She's a copywriter, editor, and online media consultant.

4.2/5

Piggyy Rating

Cebuana Lhuillier
Services
  • Pawning
  • Pera Padala - Money Transfer
  • Microinsurance
  • Loans
  • Institutional Services
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      Company Information

       

      Cebuana Lhuillier Pawnshop, a subsidiary of The P.J. Lhuillier, Inc. (PJLI), is one of the leading and largest microfinance providers in the Philippines, specializing in pawning, remittance, microinsurance, and micro-savings. In 1953, it was founded in Cebu as Agencia Cebuana and changed its name to Cebuana Lhuillier in 1987. 

       

      The company has a strong reputation in the financial sector in the Philippines. It has established close to 2,500 branches with 20,000 domestic partners and 1.7 million physical and digital interactions – all of them are ready to provide financial assistance to its expanding clientele.

       

      Cebuana Lhuillier is an establishment that is regulated by the Bangko Sentral ng Pilipinas and is headquartered at 1782 N. Garcia Street corner Candelaria Street, Makati City. Their customer support service is open from Monday to Sunday from 9:00 AM to 6:00 PM and can be reached through the following:

       

      Email: [email protected]

       

      SMS

      • Globe (and Viber): +63-917-812-2737
      • Smart: +63-918-812-2737

       

      Call

      • PLDT: +632-8779-9800
      • Globelines: +632-7759-9800
      pros

      Pros

      • Available to all Filipinos who need various financial services and products.
      • Higher appraisal rates.
      • Offers a wide range of financial services and products.
      • Branches are available almost anywhere. 
      • Opportunity to earn discounts through the 24K card. 
      cons

      Cons

      • High charges for large volume transactions.

      Why Choose Cebuana Lhuillier

       

      Customers Can Conveniently Access Cebuana Lhuillier Branches

       

      Cebuana Lhuillier is undeniably the number one go-to place for consumers who need instant cash or avail of other financial services and products because of its accessibility. There are more than 2,500 branches with two or more branches in almost every city from Luzon, the Visayas to Mindanao. 

       

      The Guinness World Records recognized the brand as the world’s largest chain of pawnshops, which are larger than several banks, and most of them serve the unbanked population.

       

      Offers a 30% Higher Appraisal Rate on Pawning 

       

      Compared to other pawn shops in the country, the 30% higher appraisal rate means that customers will be able to have access to higher cash amounts to help them address whatever financial concerns they have.

       

      Serves the Underbanked and Unbanked Filipinos 

       

      Cebuana Lhuillier, through the Cebuana Bank, allows many Filipinos to open a savings account with no maintaining balance, low initial deposit requirements, and earn interest with just ₱500 pesos. It also allows account holders to make deposits and withdrawals through the machines available at any of the Cebuana Branches or through bancnet-powered ATM machines.

       

      Many Financial Products and Services to Choose From

       

      Cebuana Lhuillier’s competitive edge is that it acts as a one-stop shop for Filipinos needing financial services and products. Aside from pawning, money transfer, insurance, and banking, it offers various other financial services to fulfill the growing needs of its customers. 

       

      Some services are only available in a few branches, such as foreign exchange and business-to-business (B2B) operations such as bills payment, e-load, and corporate payout. 

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      Loan Products and Pawning Services

       

      Cebuana Lhuillier offers a wide array of financial services to many Filipino families – from quick loans, remittances, bills payment, load services, microloans, and insurance products to savings and more.

       

      Pawning

       

      Cebuana Lhuillier boasts a 30% higher appraisal rate than any other pawnshops in the country. Through pawning of acceptable items, their customers can quickly get access to cash loans when they need them. Customers can pawn the following items.

       

      • Jewelry items such as gold, diamond, platinum jewelry, and watches
      • Non-jewelry items such as cellphones and laptops

       

      Due to the pandemic, the company introduced Cebuana from Home which allowed people to pawn jewelry items online through a simplified and safe process: customers need only to visit the Cebuana Lhuillier website and go to Cebuana from Home and fill out the form.

       

      Personnel from the pawnshop will visit the customer’s home and appraise the jewelry item and negotiate. Once the pawn agreement has been signed, the cash will be released to the customer.

       

      To complete the pawning process, only one valid government-issued ID is required to be submitted along with the pawned item.

       

      Fees and Charges

       

      Annual Percentage Rate (APR) – 54% to 66%
      Service Charge – 1% of the principal loan amount but shall not exceed ₱5
      Renewal Charges – 4% interest, 2% liquidated damages, and ₱5 service charge

       

      Money Remittance (Pera Padala)

       

      Pera Padala service is providing an easy, quick and safe process for both senders and receivers. From the time the sender completes the remittance process, the receiver can immediately visit any of their branches to collect the cash by providing the control number from the sender and a valid ID.

       

      Senders can also send money without visiting any branch by simply using the eCebuana app or through the Cebuana from Home service.

       

      Cebuana Lhuillier has remittance partners not just in the Philippines but also abroad. Now Overseas Filipino Workers (OFWs) can conveniently send money to their loved ones through the remittance or money exchange center partners of Cebuana.

       

      The remittance charge starts at ₱1.00 for ₱100 money sent to up to ₱500 for ₱50,000. For international remittances, the remittance charge starts at ₱500 for transfer amounts up to ₱5,000 and a charge of ₱1,200 (Moneygram) and ₱1,100 (Western Union) for amounts transferred up to ₱500,000 (Moneygram) or above ₱100,000 (Western Union).

       

      Loans

       

      Home Loan

       

      Customers can now afford to buy their dream home through Cebuana Bank’s home loan product and avail of the following features:

       

      Loan Amount: up to 80% of the property value

      APR: maximum of 164.38%

      Loan Term: up to 15 years

       

      Home to Cash Loan

       

      Customers who need financing can put up their properties like a house as collateral. The terms of the loan are as follows:

       

      Loan Amount: up to 40% of the property value

      Interest Rate: 31.43% per annum (based on 36 months repayment term) 

      Loan Term: up to 36 months

       

      Auto Loan

       

      Customers can now drive their dream car and get financing of up to 70% of the vehicle value. Loan features are the following:

       

      Interest Rate: 29% per annum

      Loan Term: 36 months

       

      Tsikot to Cash Loan

       

      Customers who need cash financing to repair their existing vehicle can use their car as collateral and choose to pay back the loaned amount in 12 months and loan an amount equivalent to 40% of the car’s value.

       

      Loan Amount: 40% of its value (for cars that is five years and below)

      Loan Term: 12 months

       

      Employee Salary Loan

       

      This type of loan is available to regular employees of the PJ Lhuillier Group of Companies who need financial assistance in case of emergency or unexpected expenses.

       

      Agricultural Loan

       

      Small farmers and entrepreneurs in the agricultural sector can take advantage of this loan to increase their capital for business operations and improve their expertise.

       

      Microfinance Loan

       

      Microentrepreneurs can apply for this loan to help them generate additional financing for business expansion or uplift their living conditions.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      Bank and Deposits

       

      Cebuana Lhuillier is more than just a pawnbroking company as its roster of services includes banks and deposits, ensuring financial inclusivity to the underbanked and unbanked.

       

      Bank

      The Cebuana Lhuillier Bank offers four different financial products and services: Loans, Deposits, Micro Savings, and ECMoney. All deposits are insured by PDIC for up to ₱500,000

       

      Deposits

      Certificate of Time Deposits

       

      Customers can benefit from the high-interest earning potential of this product which has a deposit term of 30 days to one year as long as the deposit remains in the bank for the duration of the agreed term. 

       

      Five-Year Term Time Deposits

       

      With a fixed five-year term deposit, customers can earn interest as high as 3% tax-free for a ₱10 million deposit amount or higher. For deposits that are less than a million but not less than ₱100,000, the depositor earns 2% and 2.5% for deposit amounts of ₱1 million but less than ₱10 million. 

       

      Special Savings Deposits

       

      This deposit account provides depositors with a passbook for easier monitoring of their deposits. The interest depositors can earn will depend on the amount they will deposit and the time the deposit is held with the bank. The depositor will earn as much as 4.5% of interest for deposits in the amount of ₱10 million held for a year. 

       

      Regular Savings Deposits

       

      Depositors can earn as much as 1% per annum and can also withdraw money anytime. 

       

      Regular Demand Deposits

       

      This is a non-interest bearing account that allows depositors to open an account with an initial deposit of ₱5,000 and a maintaining balance of ₱2,000.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      Money Transfer Services

       

      Pera Padala – Money Transfer

       

      With close to 2,500 branches nationwide and accredited international partners, Cebuana Lhuillier has become a preferred method when sending remittances due to its safe, fast, and reliable service. 

       

      Note: The receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance.

       

      Sending Money from Abroad to the Philippines

       

      1. Visit any Cebuana Lhuillier’s international partners and fill out the send form.
      2. Submit the accomplished form along with a valid ID.
      3. Give the total amount to be paid to the branch personnel.
      4. Secure the official receipt or any proof of remittance.
      5. Provide the reference number to the receiver/beneficiary.

       

      Send Money from the Philippines to Abroad (via Moneygram and Western Union)

       

      1. Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
      2. Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
      3. Give the total amount to be paid.
      4. Secure the Pera Padala form (and count the change received, if there is any).
      5. Provide the 10-digit control number to the receiver/beneficiary.

       

      How to Claim Money Abroad from the Philippines

       

      1. Visit any of Cebuana Lhuillier’s international partners and fill out the form.
      2. Present the accomplished form and valid ID to the branch personnel.
      3. Count the money received.

       

      How to Claim Money in the Philippines from Abroad

       

      1. Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
      2. Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
      3. Count the money received.

       

      Requirements:

       

       

      Present an original copy of ID and submit a clear copy of at least one (1) valid photo bearing identification document (ID) issued by an official authority.

       

      pros

      Pros

      • Available to all Filipinos who need various financial services and products.
      • Higher appraisal rates than competitors.
      • Offers a wide range of financial services and products.
      • Branches are available almost anywhere. 
      • Opportunity to earn discounts through the 24k card.
      cons

      Cons

      • High charges for large volume transactions.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      Microinsurance

       

      Cebuana Lhuillier offers more than 20 unique and tailor-fit insurance products for their customers to minimize the impact of distress and misfortune on one’s financial position. 

       

      List of Products

       

      TYPE OF INSURANCEPLAN DESCRIPTION
      CL Personal Accident NanoUnderwriter: FPG Insurance

      Coverage: Accidental death, Disablement, Dismemberment and Cash Assistance because of Food Poisoning

      Insurance Limit:

      • Accidental Death – ₱1,000 (Option 1) or ₱5,000 (Option 2)
      • Accidental Dismemberment and/or Disablement – ₱ 1,000 (Option 1) or ₱5,000 (Option 2)
      • Cash Assistance from Food Poisoning – ₱500 (Option 1)

      Not Covered: Accident Medical Reimbursement

      CL Personal Accident Nano PlusUnderwriter: FPG Insurance

      Coverage: 

      • Accidental Death (up to ₱100,000)
      • Disablement or Dismemberment (up to ₱100,000)
      • Accident Medical Reimbursement (up to ₱5,000)
      • Accidental Burial Benefit (up to ₱5,000)
      • Cash Assistance Benefit (up to ₱5,000)
      • Fire Cash Assistance (₱5,000)
      CL MicroEnterpriseProtekUnderwriter: FPG Insurance

      Coverage: All Risks to property that includes damage or destruction to property due to unforeseen events

      Liability Limitation: ₱5,000 to ₱100,000 per risk or location. 

      Coverage Extension: 

      • Money Insurance (Limits: Inside Premises – 5% of material damage per person, Outside Premises – 5% of material damage aggregate limit)
      • Group Personal Accident (Limits: Accidental Death and Disablement – 5% of material damage limit per person, Medical Reimbursement – 10% of Accidental Death and Disablement limit per person)
      • Robbery and Burglary (Limit: 5% of material damage)

      Coverage: 1 year from the date of issuance

      CL ProtectMAXPremium Amount: ₱50

      Coverage and Limit:

      • Accidental Death Benefit – ₱25,000
      • Accidental Disablement/Dismemberment – ₱20,000
      • Death Benefit due to sickness or old age – ₱5,000
      • Fire/Lightning Cash Assistance – ₱5,000
      • Murder and Unprovoked Assault – ₱5,000
      • Accident/Sickness Emergency Cash Assistance – ₱1,000

      Validity: 4 months from date of issuance

      CL Health CarePremium Amount: starts at ₱777

      Underwriter: Generali Life Assurance Philippines, Inc. 

      Coverage:

      • 24/7 Call-a-doc
      • OP ER one time use
      • Daily Hospital Income Benefit
      Cebuana Lhuillier ER CareEligibility: Individuals aged 15 days old to 65 years old

      Underwriter: Pacific Cross (Philippines) Insurance Inc.

      Premium Amounts and Coverage:

      • ₱550 (₱5,000)
      • ₱900 (₱10,000)
      • ₱1,250 (₱20,000)

      Validity: 1 year from the issuance date 

      CL Personal Accident BasicUnderwriter: Pioneer Insurance and Surety Corporation (PISC) and Malayan Insurance Company, Inc. (MICO)

      Coverage: 

      • Accidental Death – ₱10,000
      • Accidental Dismemberment and/or Disablement – up to ₱10,000
      CL Personal Accident MyCareUnderwriter: Pioneer Insurance and Surety Corporation (PISC)

      Coverage:

      • Accidental Death – ₱10,000
      • Accidental Dismemberment and/or Disablement – up to ₱10,000
      CL Personal Accident InsuranceUnderwriter: Pioneer Insurance and Surety Corporation (PISC) or Malayan Insurance Company Inc. (MICO)

      Coverage:

      • Accidental Death – ₱10,000
      • Accidental Dismemberment and/or Disablement – up to ₱10,000
      • Fire Cash Assistance – ₱2,000
      Cebuana Lhuillier Personal Accident PrimeUnderwriter: Malayan Insurance Company Inc. (MICO)

      Coverage: 

      • Accidental Death – ₱20,000
      • Accidental Dismemberment and/or Disablement – up to ₱20,000
      • Murder and Unprovoked Assault – ₱5,000
      • Burial Benefit – ₱5,000
      • Livelihood Assistance – ₱5,000
      • Fire Cash Assistance – ₱5,000
      CL HealthCare Plan DengueUnderwriter: Pioneer Insurance and Surety Corporation (PISC) 

      Coverage: ₱10,000

      Effectivity: 1 year from date of issuance

      Eligibility: 1 year old to 70 years old

      CL HealthCare Plan Dengue+Underwriter: Malayan Insurance Company Inc. (MICO)

      Coverage: 

      • Dengue Cash Assistance – ₱10,000
      • Accidental Death – ₱10,000
      • Accidental Dismemberment and/or Disablement – up to ₱10,000

      Effectivity: 1 year from date of issuance

      Eligibility: 1 year old to 70 years old

      CL Covid-19 Cash Assistance Benefit+Underwriter: Malayan Insurance Company, Inc. (MICO)

      Coverage: 

      • Accidental Death – ₱100,000 to ₱300,000
      • Death due to COVID 19 – ₱100,000 to ₱300,000
      • Death due to Dengue and Chikungunya – ₱50,000 to ₱150,000
      • Medical Reimbursement – up to ₱12,500 to ₱37,500
      • Hospital Cash Allowance per day (due to COVID19) – ₱750 per day to ₱1,250 per day

      Confinement: maximum of 14 days

      Age Covered: 1 year old to 75 years old

      Pet Care InsuranceUnderwriter: Malayan Insurance Company, Inc. (MICO)

      Coverage:

      • Medical Reimbursement
      • Owner’s Liability
      • Burial Assistance (Euthanasia)
      • Personal Accident for Pet Owner
      Microbiz Protek Jr. Underwriter: AXA Philippines

      Coverage:

      • Cash Assistance for Property Damage
        • Fire and/or Lightning – ₱10,000 to ₱50,000
        • Typhoon – ₱10,000 to ₱50,000
        • Flood – ₱10,000 to ₱50,000
        • Earthquake – ₱10,000 to ₱50,000
      • Personal Accident: 10% of total sum insured for the owner plus 1 employee
      • Robbery and Burglary: 10% of Total Sum Insured
      • Emergency Assistance: Unlimited access to emergency assistance / hotline during coverage period

      Effectivity: 1 year from the payment date of premium

      Cebuana Lhuillier Rider InsuranceUnderwriter: General Life Assurance Philippines

      Coverage: 

      • Accidental Death – ₱70,000
      • Accidental Disability – maximum of ₱70,000
      • Accidental Medical Reimbursement – ₱10,000
      • Micro Life Insurance – ₱5,000
      • Telemedicine Consultation – up to 6 calls
      • Daily Hospital Income – ₱300 per day (maximum of 31 days)

      Effectivity: 1 year from the effective date

      Age Eligibility: 18 to 65 years old

      TanodCARECoverage: 

      • Accidental Death, Disablement & Dismemberment (ADD&D)
      • Permanent Total Disability (PTD)
      • Unprovoked Murder & Assault (UMA)
      • Accident Medical Reimbursement (AMR)
      • Burial Benefit (accident/sickness)
      • Accident Daily Hospital Income (DHI)

      Minimum no. of enrollees – 30 (above 65 years old, 50% of cover)

      TodaCAREEligibility: Transport group leaders, officers and members aged 18-65 years old

      Coverage: 

      • Accidental Death, Disablement & Dismemberment (ADD&D)
      • Permanent Total Disability (PTD)
      • Unprovoked Murder & Assault (UMA)
      • Accident Medical Reimbursement (AMR)
      • Burial Benefit (accident/sickness)
      • Accident Daily Hospital Income (DHI)
      StudentCARECoverage: 

      • Accidental Death/Dismemberment/Disablement – ₱20,000
      • Unprovoked Murder & Assault (UMA) – ₱20,000
      • Accident Medical Reimbursement (AMR) – ₱2,400
      • Accident Burial Benefit (ABB) – ₱2,000
      • Daily Hospital Income (DHI) – ₱100
      • Ambulance Fee – ₱500
      • Fire Assistance – ₱2,000

      Effectivity: 1 year from the date of issuance

      Eligibility: Group personal accident insurance that covers 101 – 250 students (4 to 65 years old)

      EmployeeCARECoverage:

      • Accidental Death, Disablement & Dismemberment (ADD&D) – ₱50,000
      • Unprovoked Murder & Assault (UMA) – ₱25,000
      • Accidental Medical Cash Aid – ₱3,000
      • Burial Benefit – ₱5,000
      • Motorcycling – ₱25,000
      • Personal Liability – ₱25,000

      Eligibility: Insured members aged 18 to 64 years old

      Effectivity: 1 year from the date of issuance

      SecurityCAREEligibility: Security guards and officers aged 18-65 years old

      Effectivity: 1 year from the date of issuance

      Coverage: 

      • Accidental Death, Disablement & Dismemberment (ADD&D) – ₱75,000
      • Unprovoked Murder & Assault (UMA) – ₱75,000
      • Accident Medical Reimbursement (AMR) – ₱7,500
      AutoCARECoverage:

      • Own Damage (OD)
      • Theft, Loss and/or Damage
      • Excess Bodily Injury (EBI)
      • Excess Property Damage (EPD)
      • Acts of God/Nature (AOG/AON)

      Effectivity: 1 year from the date of issuance 

      MotorCARECoverage:

      • Own Damage (OD), Theft, Loss and/or Damage,
      • Excess Bodily Injury (EBI),
      • Excess Property Damage (EPD)
      • Acts of God/Nature (AOG/AON)

      Effectivity: 1 year from the date of issuance

      PharmaCARE/InsuremedEligibility: 18 to 65 years old

      Effectivity: 1 month from the date of issuance

      Coverage: 

      • Accidental Death, Dismemberment and/or Disablement (ADD&D) – ₱20,000
      • Murder and Unprovoked Assault (UMA) – ₱2,500
      • Fire Cash Assistance – ₱2,500
      NegosyoCAREUnderwriters: Bankers Assurance Corporation

      Coverage: Clients with micro, small and medium size businesses 

      • Property Insurance – ₱100,000
      • Burglary and Robbery – ₱50,000
      • Accidental Death – ₱50,000
      • Permanent Disablement and Dismemberment – ₱25,000
      • Accident Medical Remibursement (AMR) & Money, Securities, and Payroll Coverage – ₱25,000

      Validity: 1 year from date of issuance

      HomeCARE InsuranceUnderwriter: Federal Phoenix Assurance Company (FPAC)

      Insurance Premium: ₱639.75

      Coverage: 

      • Fire & Lightning – ₱500,000

      Validity: 1 year from the date of issuance

      Engineering InsuranceCoverage: 

      • Loss or damage of WIP, Materials and Construction Equipment including Machinery
      • Third Party Liability

       

      To avail of any of these insurance products, customers can visit any Cebuana Lhuillier branch, pay for the certificate of cover, sign it, and keep the document, which serves as a proof of transaction and can be used when claiming the benefits.

      pros

      Pros

      • Available to all Filipinos who need various financial services and products.
      • Higher appraisal rates.
      • Offers a wide range of financial services and products.
      • Branches are available almost anywhere. 
      • Opportunity to earn discounts through the 24K card. 
      cons

      Cons

      • High charges for large volume transactions.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      ECMoney

       

      Customers can access the virtual cash feature of Cebuana Lhuillier through ECMoney. 24k Plus cardholders can enroll for an account at any of the branches nationwide. Once the account is created, the account holder can remit money or buy prepaid credits through SMS or the 24k online portal. 

       

      Institutional Services

      Through partnerships with different companies, business owners can focus more on the operations and lessen their micromanaging habits.

       

      It’s beneficial for them in building relationships with their employees and customers through the following advantages: providing employees with access to financial services of Cebuana, support in the marketing strategy, and cash management.

       

      Here are the services that companies can avail themselves through Cebuana Lhuillier:

       

      Corporate Payout

      Cebuana’s business partner employees can avail of salary disbursements, monetary bonuses or incentives, money distribution, and other corporate disbursement needs. 

       

      Collection Services

      Companies in the business of distribution and collection can partner with Cebuana and conveniently collect deposits from outlets through any of the branches nationwide, especially in areas that are either underbanked or unbanked.

       

      PeraPal

      Cebuana Lhuillier serves as a third-party company that collects payments for online sellers. The service is useful for customers who prefer to pay in cash instead of a debit or credit card. 

       

      Bills Payment

      Instead of going to each merchant store to pay bills, billers can choose to partner with Cebuana to take care of the collection of their customer’s bill payments.

       

      E-load

      Cebuana Lhuillier serves as an additional point of sale for telecommunications networks through its e-load services. It makes it easier for e-loading business owners to top up prepaid credits for their customers. 

       

      24k Rewards Program

      The rewards program allows customers to enjoy exclusive privileges as regular customers of Cebuana Lhuillier. The benefits include privileges, discounts, special offers, and freebies by earning points for each transaction completed. 

       

      The following points will be earned by the customer for each of the following transactions:

       

      • Application – 1 point
      • Pawning/Domestic Remittance/Insurance – 1 point for every ₱30 fee paid (1 point for every ₱25 fee paid for Gold Virtual Cards). 
      • International Payout – 3 points for each transaction
      • Opening of a MicroSavings Account – 2 points each when opened at the branch
      • eCebuana – 1 point for every eCebuana app transaction (minimum of ₱500 each transaction)

       

      Micro Savings

      Cebuana Lhuillier recognizes the need for unbanked consumers to have access to banking products and services. Customers can open an account with this interest-bearing product that only requires a low initial deposit and zero maintaining balance.

       

      This service is available to nearly 2,500 branches nationwide as Cebuana Lhuillier Pawnshop acts as the cash agent and accepts transactions on behalf of Cebuana Lhuillier Rural Bank. 

       

      Through the Micro Savings account, account holders will receive a card that they can use to deposit or withdraw at any of Cebuana’s branches nationwide. 

       

      In addition, account holders will also have the option to make cashless payments through Unionbank and Bancnet accredited merchants and withdraw at any of the 21,000 ATMs nationwide. 

       

      Savings Account Features

      • Maximum Account Balance: ₱50,000
      • Minimum Balance to Earn Interest: ₱500
      • Interest Rate Per Annum: 0.20%
      • Maximum Withdrawals Allowed Per Day: 3 
      • Withdrawal Fee: Free (until further notice)

       

      eCebuana App

      The app is available on App Store and Google Play Store. Customers can access the following services through the app for convenient online transactions without the need to physically visit the branches. 

       

      • Micro savings account opening
      • Pawn renewal
      • Purchase of insurance products
      • Fund transfer (to Micro Savings account or payout in Cebuana Lhuillier branch)
      • Balance inquiry (Micro Savings account)
      • Bills payments and e-load top-up

       

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      How To Sign Up 

      1
      Cebuana Lhuillier_1

      Download the eCebuana app on Google Play Store and App Store.

      2
      Cebuana Lhuillier_2

      Once downloaded, click on Register Now.

      3
      Cebuana Lhuillier_3

      Review the Data Privacy Agreement and the Cebuana e-Service Terms and Conditions, and then click in Agree to proceed with the account registration.

      4
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      Create your eCebuana app profile and enter your chosen username and password.

      5
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      Provide your name and address.

      6
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      Proceed to provide other personal information details.

      7
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      Enter the OTP sent to your mobile number. Once validated, you can begin using the eCebuana app and avail of the many services available within the app including pawning, remittance, bills payment, loan applications, etc.

      How To Sign Up on 24K Rewards Program

      1
      24K website

      Customers can visit the 24k online website at https://24k.cebuanalhuillier.com/signup/ and provide your name, mobile number, and date of birth to start the registration process. Click on Sign Up.

      2
      24k rewards 6 digit code

      Enter the 6-digit code sent to your registered mobile number.

      3
      24k rewards name

      Create your account password.

      4
      24k rewards sites

      You have successfully created your 24k Rewards Program account.

      If you wish to have a card, you can visit your nearest Cebuana Lhuillier branch and present a valid ID. You will also be asked to pay a ₱150 fee.

      5

      Branch Option

      • Visit any 2,500 Cebuana Lhuillier branches nationwide and approach their branch personnel for assistance.
      • Present only a valid ID for account creation.
      • Once done, you may begin to access the 24k Rewards Program portal using the following information: customer ID number, phone number, or email ID provided.
      • Fill out an application form and submit it to the branch personnel should you wish to have a physical card.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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      Conclusion

       

      Filipinos can easily access funds and use the appropriate financial aid for their specific needs, such as sending money to families, funding emergencies and other important expenses, buying a house and other dream purchases, protecting their cash flow, and many more.

      Cebuana Lhuillier empowers the masses by providing and developing more financial products and services through financial inclusion. Since its inception, it will keep doing so regardless of the economic situation. 

      Frequently asked questions

      How do I pawn my item?

      You may simply visit any of the Cebuana Lhuillier branches nationwide and bring your pawned item along with a valid government-issued ID. Upon presenting your item, you will be able to know then and there the appraisal value of the item. Once accepted, you will be asked to sign the pawn agreement and be issued a pawn ticket which will indicate the terms and conditions of the pawn.

      How do I renew my pawned item?

      For pawn renewals, customers or their representatives can visit any branch and present the pawn ticket, and valid ID and pay the amount due. A new pawn ticket will be issued which must be presented upon redemption or renewal.

      How do I redeem my pawned item?

      For the redemption of pawned items, customers must visit the exact branch where the item was pawned and pay for the total amount due.

      To avoid late penalty fees, redeem the pawned item before its due date. Upon payment, the customer will receive the pawned item sealed in a plastic pouch. Check the item before leaving the pawnshop.

      What if I lost my pawn ticket. Will I still be able to renew or redeem my pawned item?

      This is still possible but customers need to visit the branch where the item(s) was pawned. However, the branch will require a notarized affidavit of loss to be submitted along with valid IDs.

      How do I send money?

      Sending money is convenient. Here’s how to get started.

      1. Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
      2. Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
      3. Give the total amount to be paid.
      4. Secure the Pera Padala form (and count the change received, if there is any).
      5. Provide the 10-digit control number to the receiver/beneficiary of the money transfer.

       

      Note: The receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance.

      How do I claim my money?

      Claiming your money requires a branch visit. Here are a few easy steps.

      1. Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
      2. Present the accomplished form, valid ID, and 24k card (if a 24k cardholder) to the branch personnel.
      3. Count the money received.
      How can I buy an insurance?

      Once you have decided as to which insurance product to buy, just follow the steps below.

      1. Visit any Cebuana Lhuillier branch.
      2. Request for your preferred microinsurance policy.
      3. Present the payment for the Certificate of Cover.
      4. Accomplish and sign the Certificate of Cover.
      5. Secure the certificate.
      How do I claim my insurance?

      Claimants must present all required and valid documents listed under each type of claim at any Cebuana Lhuillier pawnshop branch.

       

      For the non-declaration of insurance beneficiaries, the rule under the Philippine Insurance Code will prevail.

       

      Note: Only claims below Php50,000 are payable in cash. Claims above Php50,000 shall be through check payment.

      How to open a Micro Savings account?

      Go to any of Cebuana Lhuillier’s 2,500 branches nationwide and fill out the Client Customer Information File Sheet and bring the following:

       

      • 1 Government-issued ID:

      Birth Certificate (applicable to minors only)

      Student ID (applicable only if the student is currently enrolled)

      • P50 minimum initial deposit
      • P150 card fee (for clients w/o 24k card), P75 for card upgrade
      How to order at Cebuana Lhuillier Jewelry?

      You can now buy/order remade jewelry online. Follow the steps below on how to order:

       

      • Create an account
      • Choose your location
      • Shop
      • Checkout
      • Go to the branch to pay and pick up your ordered item/s or you can pay it using your debit/credit card. We also deliver within Metro Manila and some nearby provinces indicated on our checkout page.
      What are the IDs accepted for pawning services?

      The pawner must submit at least one (1) of the following as a valid form of identification.

       

      1. Passport
      2. Driver’s License
      3. Professional Regulation Commission (PRC) ID
      4. National Bureau of Investigation (NBI) Clearance
      5. Police Clearance
      6. Postal ID
      7. Voter’s ID
      8. Barangay Certification
      9. Government Service Insurance System (GSIS) e-Card
      10. Social Security System (SSS) Card
      11. Senior Citizen Card
      12. Overseas Workers Welfare Administration (OWWA) ID
      13. OFW ID
      14. Seaman’s Book
      15. Alien Certification of Registration/Immigrant Certificate of Registration
      16. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
      17. Home Development Mutual Fund (HDMF ID)
      18. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
      19. Department of Social Welfare and Development (DSWD) Certification
      20. Integrated Bar of the Philippines (IBP) ID
      21. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
      How can I redeem my 24k reward points?

      Customers can simply visit any of the 2,500 Cebuana Lhuillier branches nationwide and present the card to the branch personnel for redemption.

      Can I convert my 24k Reward Points for e-load or other services?

      Yes, it is possible to convert the load to e-loads or charitable donations. To do so, present your 24k Rewards Card at any of the Cebuana Lhuillier branches and the branch personnel will check the total number of points available on your card. For e-loading services, you can choose the loading service you need. For charitable contributions, you can fill out the Pera Padala form with the name of the beneficiary and the amount of the contribution based on the rewards points accumulated.

      Big Piggyy

      "Show me the MONEY!!!" – Jerry Maguire

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