Cebuana Lhuillier

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. Pawning Rates: 4% […]

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Interest rate 4% - 7%
Loan tenure from 1 to 4 months
Approval duration Up to 1 hours
Min. monthly income1

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.

Pawning

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

Product Features

Min. financing amount ₱500
Max. financing amount Up to ₱1000000
Min. loan tenure 1 months
Max. loan tenure 4 months
Interest rate 4% - 7%
Approval duration Up to 1 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 1 months 2 months 3 months 4 months 4 months
LOAN AMOUNT ₱500000 ₱500000 ₱500000 ₱500000 ₱500000
FEE 4% 4% 4% 4% 4%
INTEREST AMOUNT ₱1667 ₱3333 ₱5000 ₱6667 ₱6667
TOTAL REPAYMENT ₱501667 ₱503333 ₱505000 ₱506667 ₱506667

Fees & Charges

One time setup
Processing fee
Stamp duty
Disbursement & misc. fee
Annual fee
Other fees
Penalties
Early settlement
Late payment charges
Other penalties

Eligibility

Age requirement
Employment eligibility
Min. salary requirement ₱ gross per month
Guarantor / Collateral requirement Yes

Other Requirements

Need to open linked banked account? Yes
Other details

FAQ

Contacts

Full company name
Address
Phone number
E-mail
Social networks

User rating

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