What is Cebuana Lhuillier?

Cebuana Lhuillier, a subsidiary of PJ Lhuillier Inc., is a prominent non-banking financial services provider in the Philippines. With over 3000 branches across the country, Cebuana Lhuillier has established itself as a trusted name in the industry.

PJ Lhuillier Inc. also owns other businesses such as:

  • Cebuana Lhuillier Jewelry Premium
  • Le Soleil de Boracay Hotel
  • Networld Capital Ventures, Inc.
  • Bacau Bay Resort Coron

Cebuana Lhuillier offers a wide range of services including Pawning, Microloans, Money Remittance, Microinsurance and Payments. Their microfinance solutions cater to the needs of their clients both locally and internationally. The company’s commitment to honesty and sincere service has contributed to its success. Additionally, Cebuana Lhuillier has built a strong network of local and international industry partners, further enhancing its position in the market.

As the largest pawnshop chain in the Philippines, Cebuana Lhuillier operates over 3000 branches nationwide. It has also established partnerships with more than 80 domestic and international companies.

Cebuana Lhuillier’s mission is to provide financial solutions to a wider range of Filipinos. They strive to be the preferred partner in microfinance and inter-corporate solutions. Through their comprehensive range of services, they aim to be a one-stop financial solution provider in the Philippines.

With a focus on Pawning, Money Remittance, Microinsurance, Savings, and Micro Business loans, Cebuana Lhuillier continues to evolve as a dynamic and diversified company. In response to the demand for accessible financial services during the pandemic, they launched Cebuana From Home (CFH), a web application that offers 360-degree access to their services such as Cash Remittance and Pawning. This is a first in the financial industry and allows clients to access Pawning services and money remittances through all Cebuana Lhuillier agents.

Since its launch in 2020, CFH has facilitated over P115 million worth of transactions and more than 20,000 transactions have been made. This demonstrates the convenience and accessibility of the digital approach, particularly during the pandemic.

Cebuana Lhuillier Services

Cebuana Lhuillier’s products and services are based on their principle of bringing financial stability to every Filipino and promoting financial inclusion for the country’s non-banking and underbanked sectors. Their dedication to meeting the financial needs of their clients sets them apart in the industry.


Cebuana Lhuillier accepts a wide range of items as collateral, including gold, diamond, platinum jewelry and watches, cellphones, and laptop computers.

To ensure safer transactions, Cebuana Lhuillier also offers an online Pawning service called Pawn-from-Home. Through this service, clients can pawn their jewelry online by filling out an application form on the Cebuana from Home platform. Once the client has submitted an online application, an appraiser from Cebuana Lhuillier will arrive at the address indicated in the application to assess the item and issue a loan if the client agrees with the announced value.

In addition to online Pawning, Pawn-from-Home also allows customers to make online loan payments and redeem their pledged items through the Cebuana from Home platform.This innovative approach provides customers with a more accessible and efficient pawnshop experience.

Money Remittance

Pera Padala is the Cebuana Lhuillier’s Money Remittance service. Pera Padala provides a safe and straightforward means of sending money in or out of the Philippines, with over 3,000 branches nationwide and international partners to take your remittance process through. Once complete, your funds can be easily claimed back from them! In addition to visiting a branch, you can also transfer money using the eCebuana App and Cebuana from Home portal. This provides you with more options for hassle-free money transfers.

eCebuana App

Cebuana Lhuillier’s eCebuana App provides a convenient way for clients to access various micro financial services. These services include Micro Savings, Money Remittance, Bills Payment, and E-load services, among others. The app is a product of Cebuana Lhuillier Rural Bank.

Clients can easily transfer money from their Cebuana Lhuillier Micro Savings accounts to other Micro Savings accounts with the eCebuana app. They can also choose to have the money picked up at any Cebuana Lhuillier branch, with a 20% reduction in fees. Additionally, users have the option to transfer money to other banks through Instapay..

The eCebuana app has already been downloaded over 900,000 times and will be updated with more features in the future. These features include a Pawn Renew Online service and the ability to open Micro Savings accounts without needing to visit a branch.

Micro loans

Microloans, similar to conventional loans, require borrowers to repay the borrowed amount to the lender. However, the key distinction lies in the smaller loan amounts provided to borrowers. Microloans are designed to assist individuals with limited income or disadvantaged backgrounds in meeting their financial requirements.

Compared to traditional loans, microloans often have less complicated application procedures and more adaptable eligibility criteria. These characteristics make microloans highly accessible and convenient for individuals in need.

Interest rates on Cebuana Lhuillier microloans range from 4% to 10% per month. Microloans usually have a shorter term. The amount of the microloan cannot exceed 5000 Philippine pesos. The maximum term of the microloan is 4 months.

Cebuana loan requirements. Microloan applicants must be of legal age and of working age. Other requirements include government-issued IDs, financial documents, and cash flow statements.


Microinsurance is an affordable insurance product that is accessible to minimum wage earners. The documentation requirements are minimal and easy to fulfill.

Cebuana Lhuillier’s Microinsurance aims to provide financial services to Filipinos, offering more than 20 insurance products tailored to meet their needs. These products include vehicle insurance for cars and motorcycles, as well as property insurance for homes and businesses.

The premiums for Microinsurance are affordable, and claims are processed within 24 hours. The contracts are simple with minimal restrictions, and the documentation and requirements for claims are straightforward.

With over 3000 branches, Cebuana Lhuillier ensures that their Microinsurance is easily accessible to individuals in need.

Individual insurance policy applicants between the ages of 18-64 years of age are eligible for individual policies; each insured individual can hold up to 10 active Certificates of Cover (COCs). The coverage includes death due to accident, accidental disability, and dismemberment.

The policy is effective for one year from the date of issuance. Each insured individual can avail of one active COC per year and should notify any changes in the location of their MSME store.

Richard Maxwell

For Any Inquiry Contact Us Here :- [email protected]

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