Cebuana Lhuillier in the Philippines

Formally established in 1988, the PJ Lhuillier Group of Companies (PJLGC) is a dynamic, multi-industry company that owns and operates businesses dealing with financial services such as pawning, remittance, microinsurance, micro savings, and business to business micro loan solutions. We also ventured into other industries such as retail, hotel and restaurant management, IT, sports management, […]

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Cebuana Lhuillier https://upfinance.com/app/uploads/2019/12/cebuana1.png
Nicanor Reyes Sr St, 395, Manila, 1008 Metro Manila
(02) 8779-9800 (PLDT) (02) 7759-9800 (Globelines), cebuanacares@pjlhuillier.com
Interest rate 4% - 7%
Loan tenure from 1 to 4 months
Approval duration Up to 1 hours
Min. monthly income

Head Office

Nicanor Reyes Sr St, 395, Manila, 1008 Metro Manila

Product Features

Min. financing amount ₱ 500
Max.financing amount ₱ 1000000
Min. loan tenure 1 months
Max. loan tenure 4 months

Credit

Pawning

Interest Rates: 4% – 7% per month
Pawn:
– gold, diamond, and platinum jewelry
– watches
– cellphones
– laptop computers.
The service charge: 1% of the principal loan, but not exceeding Php5
Payment terms: Up to 4 months
Approval time: Up to 2 hours

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Micro loan

Interest Rates:  4% for pawning (with advance interest) or 5% for sangla gadget per month
Maximum loan amount: up to 80% of the estimated price
Payment terms: 30-120 days
Collateral: gold, diamond, and platinum jewelry and watches, as well as selected non-jewelry items such as cellphones and laptop computers
Approval time: 1 hour

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Home loan

Interest Rates: 16% APR
Minimum loan amount: 500 000 PHP
Maximum loan amount: Up to 80% of assessed value
Payment terms: Up to 15 years
Approval time: 5- 21 banking days

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Home to Cash Loan

Interest Rates: 18,7% APR
Minimum loan amount: 100 000 PHP
Maximum loan amount: Up to 40% of assessed value
Payment terms: Up to 3 years
Approval time: 5- 21 banking days

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Auto loan

Interest Rates: 17,37% APR
Loan amount: up to 70% of purchase price
Payment terms: up to 36 months
Approval time: 1-3 banking days
Down payment: As low as 30% of purchase price

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Tsikot to Cash loan

Need funds to fix your car? Then use it as collateral for your car loan!
Interest Rates: 20% APR
Loan amount: up to 40% of purchase price
Payment terms: up to 12 months
Approval time: 1-3 banking days

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Loan Calculator

%
Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
Total
₱ 10661.85

Deposited

Certificate of Time Deposits
Five-Year Term Time Deposits
Special Savings Deposits
Regular Savings Deposits
Regular Demand Deposits

FAQ

The longest loan period is 15 years.

Since this type of loan is associated with large amounts of money and a large volume of documents, the term for making a decision by the Bank depends on two stages of verification. First, the Bank will check your solvency, this stage takes no more than 5 working days on average. Then the Bank will need to check the documents for the land or property you are buying, as well as make an assessment of it.

There is no single solution. If you need the lowest monthly payment, then take loan for the maximum possible period. If you are not sure that you will have a consistently high income, then take as little time as possible.

The minimum down payment for a new car is 30% of purchase price.

Payment terms – up to 36 months.

No, the car is your property from the moment of purchase, but remains the bank’s guarantee for the loan period. This means that you cannot sell the car, and you also have to pay for car insurance so that the bank can receive its money in any case.

Documents confirming income and identification are the main requirements for obtaining a car loan.
Application form with filled in fields.
Copy of Passport or any ID ( SSS ID, Driver’s License, Voter’s ID)
Working borrowers must submit documents: certificates from the place of work or COE, a copy of payslip for 2 months, income tax return from BIR or ITR within 1 year.
Self-employed applicants must submit documents: a copy of the ITR with THE bir stamp , a copy of registration with the DTI or SEC, and a copy of financial statements for a period of at least 2 years .
After buying a car, you need to pay for insurance.

Initial registration is usually done by agents, so you get a copy of OR / CR. You must remember that the initial registration is valid for 3 years, so after that you need to renew it annually in LTO.

Well, of course. The Bank will pledge your car, which is already in your property at the time of applying for a car loan.
Loan amount – up to 40% of the value of your car.

Contacts

Full company name Cebuana Lhuillier
Address Nicanor Reyes Sr St, 395, Manila, 1008 Metro Manila
Phone number (02) 8779-9800 (PLDT) (02) 7759-9800 (Globelines)
E-mail cebuanacares@pjlhuillier.com
Social networks

Formally established in 1988, the PJ Lhuillier Group of Companies (PJLGC) is a dynamic, multi-industry company that owns and operates businesses dealing with financial services such as pawning, remittance, microinsurance, micro savings, and business to business micro loan solutions.
We also ventured into other industries such as retail, hotel and restaurant management, IT, sports management, and real estate.
We are the proud parent company of Cebuana Lhuillier, the Philippines’ leading and largest micro financial services provider specializing in pawning, remittance, microinsurance, and micro savings.
With close to 2 500 branches nationwide, Cebuana Lhuillier is one of the most accessible pawnshop chains in the Philippines. Alongside safety and world-class service, Cebuana Lhuillier also gives one of the highest appraisal rate in the industry for items such as jewelry and gadgets, offering up to 30% more than other pawnshops.

Users rating

Reviews

4 days ago

Home loan

Ppnu po MG apply

2 weeks ago

Loan

Paano mag apply ng loan??

2 weeks ago

Home loan

Home loan

4 weeks ago

cash loan

panu po mag apply? pwede po ba ma approved agad?

1 month ago

Cash loan

How to apply

1 month ago

Home to cash loan

Ilang days bago nyo ma aproban ang loan ko sa inyo?

1 month ago

Home to cash loan

Ilan days po bago nyo ma aproban ang loan ko sa inyo?

1 month ago

Mr.

I know for a long years, CEBUANA LHUILLIER served me well. And I will always be there to support

2 months ago

Loan

Pano MG aply

2 months ago

Ms.

Home cash loan

2 months ago

branch manager

loan application

2 months ago

Ofw loan

I want to ofw loan what is requirement but Im here in Riyadh Saudi arabia

2 months ago

Loan

Pano mag loan

5 months ago

Cebuana Lhuillier the best bank!

Thanks Cebuana Lhuillier I bought my house! Dreams Come True!

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