Cebuana Lhuillier in the Philippines Lhuillier
Cebuana Lhuillier in the Philippines
  • Easy to apply
  • Approval time
  • No hidden condition
  • Renewal rules
  • Service quality
  • Customer support
Contact information
Phone number:
(02) 8779-9800 (PLDT);
(02) 7759-9800 (Globelines)
From 9 am to 6 pm
(Monday – Sunday)
2000 ₱
15000 ₱
7 Days
28 Days
Interest rate per day
Daily payment

PJ Lhuillier Group of Companies is a multinational conglomerate which specializes in financial services and retail. It is the parent company of Cebuana Lhuillier in the Philippines. The company has over 2,200 branches nationwide, providing a wide array of financial services to consumers and small businesses. Cebuana Lhuillier specializes in remittance, banking, insurance, micro finance, and pawning. The company’s goal is to empower Filipinos through financial services. It has been recognized for its innovative products and services.

Loan parameters
  • Loan amount
    2.000 - 15.000 PHP
  • Term
    7 - 28 days
  • Interest rate
    0,2% per day
  • Age
    21+ years

Founded in 1988, the PJ Lhuillier Group of Companies is a multinational conglomerate specializing in financial services. Its main business lines include microinsurance, microsavings, business-to-business micro loan solutions, and pawning. It has also dabbled in other businesses like retail and sports management. Today, Cebuana Lhuillier is the Philippines’ largest and most well-known micro-financial service provider. In addition to pawning services, Cebuana Lhuillier Group of Companies engages in other businesses like retail, IT, sports management, and other businesses.

Pawning is an important part of a person’s life. It allows the individual to take care of his or her finances without having to worry about selling or donating their valuables. Cebuana Lhuillier’s Pawning Service is safe and trusted by people in the Philippines. Its branch network consists of more than 2,500 locations nationwide. With its extensive network of pawnshops, Cebuana loans helped Filipinos to safeguard their assets while making it easier to manage their finances.

Like most pawnshops in the Philippines, Cebuana Lhuillier loan takes its clients’ privacy seriously. The company treats the items and the owner’s identity with the utmost confidentiality. Because of this, Cebuana Lhuillier offers pawning services and is regulated by the Bangko Sentral ng Pilipinas, ensuring the legitimacy of the company and the people who use it.

In the Philippines, there are several microfinance options available to help individuals achieve financial freedom. Loans online with monthly payments Philippines can help aspiring entrepreneurs start a business or improve their financial situation. Cebuana Lhuillier has a number of microloan solutions to suit your needs.

The Philippines-based Cebuana loan is the country’s leading microfinance service provider. It is CL Bank’s cash agent and operates over 2,500 branches nationwide. Its service-oriented innovations are geared towards the needs of the Filipino populace. Originally, Cebuana Lhuillier focused on serving rural communities with a product portfolio geared to small businesses and individuals. After realizing the unmet financial needs of its community, the bank has developed several microfinance products aimed at meeting those needs.

Cebuana Lhuillier loan


  • Pawn Solutions: Cebuana Lhuillier proudly extends its premier pawn service, catering to the diverse financial needs of every Filipino.
  • Currency Transmission: Seamlessly transfer and receive funds through Cebuana Lhuillier’s Pera Padala service – a seamless, swift, and secure method.
  • Nano Insurance: Pioneering nano insurance solutions and provisions.
  • Cebuana Micro-financing: Swift monetary relief tailored for each Filipino. Cebuana Lhuillier’s Blissful Assistance Loan presents a reliable recourse during trying times.
  • Universal Banking with Сebuana Lhuillier: Catering to every circumstance with banking and lending solutions. Home, auto, employee salaries, agriculture, and micro-enterprise loans – all streamlined under Сebuana Lhuillier’s accessible criteria.
  • Institutional Excellence: Serving corporates with adept corporate disbursements, collection facilities, bill payments, and more.
  • Golden Rewards Program: Exclusive perks, complimentary offerings, and specialized services accompanying every transaction.
  • Miniature Savings: An interest-generating deposit product, requiring a modest initial deposit while eliminating the burden of maintaining balances.


  • Visit your nearest Cebuana Lhuillier branch and complete the online application for the Cebuana loan. Currently, this option is accessible at specific branches in Cavite and Laguna.
  • Detail your loan prerequisites and furnish your particulars. Present the required documents to the Cebuana Lhuillier representative.
  • Await the outcome of your Cebuana Joyful Financing application, and once approved, acquire your funds.
  • Repay the Cebuana Income Support Loan upon receipt of your earnings.


To be eligible for Cebuana’s financial services, you should adhere to the subsequent criteria:

  • Philippine citizenship and permanent residency.
  • A consistent and dependable income source.
  • Provision of a valid mobile phone number for communication purposes.
  • Submission of proper identification documents.

Cebuana Loan Reviews

  • Bail Services: Cebuana Lhuillier provides popular bail services that may be specific to emergency physiological animals.
  • Convenience and Affordability
  • Money transfers.
  • Broad Range of Services: They also receive services for payments, collections, savings and other financial transactions.
  • Limited Services: Despite a wide range of services, some more complex financial needs may not be fully met.
  • Limited Branches: Cebuana Lhuillier branches may not be available in some outlying areas, making service availability problematic.

Example of calculating interest and loan payments

Term 7 days 15 days 25 days
Loan amount ₱10000 ₱10000 ₱10000
Interest rate per day 0.2% 0.2% 0.2%
Overpayment ₱140 ₱300 ₱500
Total repayment ₱10140 ₱10300 ₱10500

Cebuana Lhuillier is a pioneer in the microfinance industry. The company offers low fee bill payments and remittances. Despite the company’s recent expansion, it still focuses on serving the Filipino consumer. As a microfinancial company, it aims to provide financial services that are tailored to Filipino needs.

Cebuana Lhuillier in the Philippines
Borrower requirements
  • Coming of age 21+
  • Issued Filipino ID card
  • Have a stable source of income
  • Valid mobile phone number
How to pay a loan
  • In personal account
  • On site online
  • In the office
  • By bank transfer

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Your comment

Kevin Santos
04 June 2024
Very pleased with the service. Registration online went without any problems, the money arrived in the account quickly. The conditions are transparent and understandable.
12 March 2024
Very convenient service.
Ricardo Garcia
09 February 2024
Quick funds for a dream bike! Easy process.
Budget Guru
17 January 2024
I turned to Cebuana when I had to buy urgent flight tickets. Their process is fast, and I got the money in my account the same day. The interest is a bit steep, but for emergency situations, it's worth it. Customer support was very helpful, guiding me through the repayment process
Leila Reyes
29 December 2023
Loaning online through this service was a real win. The registration process was simple and successful. Very pleased with the whole procedure.
Christian Gonzales
04 December 2023
Cebuana loan service has become my reliable ally in urgent financial matters. Prompt approval and speed of receiving money is exactly what I need.
Jerrod Schiller
22 July 2023
scratched the car, it was necessary to urgently take it in for repair. Have used this lender before. I like that they issue a loan for any need very quickly
15 June 2023
I recently visited Cebuana Lhuillier to pawn some jewelry. The staff was friendly and professional, and they offered fair appraisals and loan terms. It was a smooth and convenient experience. I trust Cebuana Lhuillier for my financial needs.
Prof. Alvera
31 May 2023
Cebuana Lhuillier has been my go-to financial service provider for years. Their remittance services are fast and reliable, and their rates are competitive. I highly recommend Cebuana Lhuillier for anyone needing remittance or financial services.
28 February 2023
Thank you, Cebuana! The loan helped me pay for my medical bills.
Jaydon Steven
19 January 2023
A good microcredit organization. The percentage is big. But it's like that for everyone. Interest recalculation. If paid off earlier.
Patrick Martin
Patrick Martin
Took a loan for the rest of my wife and children. I was approached by the proposed conditions, despite the fact that I do not have a constant income
Clayton Ward
Clayton Ward
Went on the recommendation of a friend. Helped in difficult times. The money was in my account within 15 minutes. I paid off the debt and interest without any problems.
Linnie Herman
Linnie Herman
Thank you very much for your prompt help. Thanks to the online loan, I was able to solve the financial problem without unnecessary complications.
Yitzchak Scott
Yitzchak Scott
I am always satisfied with the service when taking a loan online, the operators tell everything in detail and clearly!
Natalia Hughes
Natalia Hughes
When you can’t invest in the budget, or when some unforeseen situations happen, then an online loan is simply unrealistic to save
Reinhold Becker
Reinhold Becker
Urgently needed money for a gift for a girl. Got to this site. Lots of options to choose from is a big plus. Easy to apply and get paid quickly. I will recommend it to my friends.
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