Cebuana Lhuillier in the Philippines

Last updated: January 16, 2025

Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

The Cebuana Lhuillier Pawnshop is a popular pawnshop and money-transfer service in the Philippines with at least 3,500 branches nationwide. But the service had its humble beginning back in 1935 when it was still known as Agencia Cebuana. Many branches in all cities of the Philippines serve as Сebuana bills payment.

How to pay Digido loan at Cebuana Lhuillier

Cebuana Lhuillier has a large network of branches throughout the country.This makes loan repayment via Cebuana convenient for Digido borrowers.

1. Go to your Cabinet by logging in at https://digido.ph/, select “Pay All” or “Extend”.

2. Click “Online payment”.

3. Select “Cebuana Lhuiller” and tick the box to agree on the terms and conditions.

4. You will receive an email with the Reference number to pay at any Cebuana Lhuillier branches. Payment will be made using the Dragonpay.

5. You also can view the instructions by clicking “view the instructions online”.

6. Go to your nearest Cebuana Lhuillier Branches, ask for a payment form and write DragonPay as Receiver, Full name, Reference Number, and Amount to pay. Click here to view all Cebuana Lhuillier branches near you.

7. Go to the Payment counter, give your payment form and your payment. Once done, payment will be processed within 24hrs. You will receive an sms notification from us once your payment is posted on your account.

Congratulations! Now you know how to pay Digido thru Cebuana. It turned out to be very easy.

Digido has been working with Cebuana Lhuillier for years and recommends them as a reliable partner. You can pay with Cebuana Lhuillier for our loans and use their other services as well.

You can also repay the Digido loan via Bayad Center →

Cebuana Lhuillier History

Cebuana Lhuillier is the leading microfinancial services provider in the Philippines. Established in 1953 under Agencia Cebuana and later adopting its trade name Cebuana Lhuillier in 1987, this distinguished Filipino company has been dedicated to fulfilling its vision of empowering Filipinos through accessible financial services.

Cebuana Lhuillier’s core offerings encompass a wide range of essential financial solutions, including pawning, microinsurance, banking services, loans, customized business-to-business solutions, and money transfer services such as domestic remittance, cash in cash out, bills payment, eload, remit to account, and digital to cash, instapay services.

Cebuana Lhuillier continues to be true to its core mission of breaking barriers in finance through effective financial inclusion offerings.

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Cebuana Loan Requirements

In order to obtain loans, it has to be done via traditional pawning. For this, the applicant must have a valuable item to be pawned.

To apply for a loan at Cebuana Lhuillier, you typically need the following requirements:

1. Valid Government ID: Examples include a passport, driver’s license, or national ID.
2. Proof of Income: This can be a payslip, Certificate of Employment (COE), or income tax return (ITR) to show your capacity to repay the loan.
3. Completed Application Form: You’ll need to fill out the loan application form provided by Cebuana Lhuillier.
4. Collateral: Cebuana Lhuillier offers secured loans that may require jewelry, gadgets, or other valuable items as collateral.

Note: For more specific loan types or additional requirements, it’s best to consult Cebuana Lhuillier directly or visit their official web.

What items are accepted?

• Gold;
• Jewelry;
• Watches;
• Electronic gadgets.

Aside from the items to be pawned, the applicant must also present a valid ID:

1. Passport;
2. Voter’s ID;
3. Postal ID;
4. OFW ID;
5. Driver’s license;
6. OWWA ID;
7. Integrated Bar of the Philippines (IBP);
8. Government Service Insurance System GSIS e-card;
9. Social Security System (SSS) ID;
10. Senior Citizen Card;
11. Home Development Mutual Fund (HDMF ID);
12. GOCC;
13. Company ID;
14. Professional Regulation Commission (PRC) ID.

Other documents include:

1. Police clearance;
2. National Bureau of Investigation (NBI) clearance;
3. Barangay certification;
4. Seaman’s book;
5. Department of Social Welfare and Development (DSWD) Certification;
6. Alien Certification of Registration/Immigrant Certificate of Registration;
7. Certification from the National Council for the Welfare of Disabled Persons (NCWDP).

Note: The requirements described above are valid as of January 16, 2025, and may be subject to change as of the current date. For the most accurate information, please refer directly to the Cebuana website.

You can find out the amount of Cebuana Lhuillier payment charges on the official Cebuana website. There you can also download the Cebuana bills payment form. You can pay any bills and services, including utility bills. For example, many people in the Philippines prefer the convenience of Cebuana Lhuillier Meralco bills payment. It’s as useful as paying your bills via 7-Eleven or GCash.

Quick and Easy Loans! Get the funds you need in just 4 minutes with Digido. Calculate your pre-approved loan amount:

Learn more:
✦ What is Dragonpay in the Philippines
✦ Loans For Students in the Philippines
✦ How to get OFW Loan

Types of Cebuana Lhuillier loans

Cebuana Lhuillier offers a variety of loan services, including Cebuana loans that are primarily pawn-based (secured by collateral) and personal loans. The most common loan products they offer include:

• Jewelry Loan

This is a type of secured loan where clients can pawn jewelry, gadgets, and other valuable items to get instant cash. The amount of the loan is based on the appraised value of the item used as collateral.

With pawning services at Cebuana Lhuillier, the amount you can earn depends on the appraised value of the item you pawn. Typically, you can borrow a percentage of the item’s market value, which is usually based on current gold rates for jewelry or the condition of gadgets.

Cebuana lhuillier loan requirements are:

1. Accomplished Jewelry Loan Application Form
2. Photocopy of at least 2 Government Valid IDs (front & back)
3. Proof of Income

Applicants must be between 18 to 65 years old and have a stable source of income.

Here’s how the process works:

• Appraisal: The item is evaluated to determine its value.
• Loan Amount: up to Php 500,000.00. You can earn up to 70% of the appraised value of the item.
• Interest Rates: Interest rates apply depending on the loan term, which can affect your earnings if you plan to redeem your pawned item.
• Payment Terms: 1-3 months
• Cebuana loan interest rate 2.50% per month

For example, if you pawn gold jewelry appraised at ₱10,000, you may be able to receive a loan of about ₱7,000 to ₱8,000.

The exact amount will vary based on the item and location, so it’s best to inquire directly with Cebuana Lhuillier for an accurate estimate.

Take note that terms requirements described above are valid as of January 16, 2025, and may be subject to change as of the current date. For the most accurate information, please refer directly to the Cebuana website or branches. 

You can calculate and apply your loan with 24 hours Cebuana online calculator on their website. Just choose the right type of loan in the first box.

• Home Loan

Provides financing for purchasing, constructing, or renovating homes. Flexible repayment options and competitive interest rates are offered. More info about home loan

• Motorcycle Loan

Financing options for purchasing new or pre-owned motorcycles, with flexible payment terms. More info

• Business Loans

Cebuana Lhuillier offers Business Loans to support small and medium enterprises (SMEs) in their growth and operational needs. These loans provide flexible repayment terms and can be used for working capital, business expansion, or purchasing equipment. The loan process is designed to be straightforward, with competitive interest rates aimed at making financing accessible for business owners. For more details, visit their business loan page.

Cebuana Lhuillier provides accessible financial solutions, especially for those who may not have access to traditional banking services.

• Teachers loan

Cebuana Lhuillier Bank’s Teachers Loan is a specialized loan program designed for public school teachers. It offers affordable interest rates, flexible payment terms, and easy application requirements to help teachers manage their finances, whether for personal needs, education, or emergencies. More info

Image Source: Philstar Global

What time does Cebuana Open?

Cebuana Branches typically open at 8:00 AM. However, some Cebuana Lhuillier branches, especially in key locations, are open 24/7. It’s advisable to check with your specific branch for their exact operating hours.

Cebuana Lhuillier offers a branch locator on their website, where you can search for branches that operate 24/7. You can use the locator to filter branches by location and find those that meet your specific needs, including 24/7 operating hours.

Cebuana Lhuillier operating hours vary depending on the location like those located inside malls or commercial buildings. Of course, if the commercial is only open for a certain number of hours then so are all the businesses inside. So make sure to check a Cebuana Lhuillier working days  online.

What is Cebuana Lhuillier Insurance?

What is Microinsurance? Microinsurance is an affordable insurance product that minimum wage earners can surely afford! Not to mention, documentary requirements are also minimal and easy to comply with.

Cebuana Lhuillier’s Microinsurance helps Filipinos avail of financial services that promise to minimize the impact of distress and misfortune should a disaster or unfavorable event occur.

Key Features of Cebuana Lhuillier Insurance

Affordable Premiums
Cebuana Lhuillier offers insurance products with low premiums, making them accessible to a broader segment of the population, including low-income individuals.

Variety of Products
The company provides a range of insurance products, including:

1. Pera Padala Protection: Insurance coverage for clients who send remittances.
2. Alagang Cebuana Plus: A microinsurance product that offers accident coverage.
3. Cebuana Lhuillier Cares: Health insurance products.
4. Comprehensive Auto Insurance: For vehicle owners.
5. Fire Insurance: Protection against damage due to fire.
6. Travel Insurance: Coverage for travelers.
7. Personal Accident Insurance: Provides benefits in case of accidental death or disability.

What is Cebuana Lhuillier Micro Savings?

This is a regular savings account that can hold any amount of money. Account holders can deposit and withdraw money anywhere at any time through Cebuana Lhuillier’s network of over 3,500 branches in all cities of the Philippines. This makes financial services even more accessible. Only 1 valid ID is needed to open such an account. The minimum initial deposit is Php 50 and the maximum possible balance in the account is Php 50,000. The minimum balance to earn interest is 500 pesos and the annual interest rate per annum is 0.20%

Note: All the services described for Cebuana are valid at the time of the article’s publication and may be subject to change as of the current date. For the most accurate information, please refer directly to the Cebuana branches.

Advantages of Pawnshop Loans

A pawn shop loan is a special type of loan that will require you to submit an item of significant value such as a gadget or jewelry. The amount of money you will get will also depend on the evaluated monetary value of the object you wish to pawn. The more cash you need the more valuable items you need to pawn. In some cases, you might have to pawn multiple items. They will evaluate the item and the estimated value will typically be lower than the item’s original price. It’s like selling them a second hand item. Once they determine the value and you agree to it, you can get the cash you need.

Now, to get it back, you will have to pay for the item, essentially buying it back, but at a higher price because they added interest. Depending on the loan terms, you may pay a high amount that’s why it’s always a good idea to pay back as soon as possible. You may also lose the item if you don’t pay after a given amount of time or depending on the agreement.

The advantages of a pawnshop loan:

• You will definitely get a loan if you have valuable collateral
• You may not work officially or have a steady income
• You get money very quickly
• You can buy back your collateral if you follow the terms of the agreement

Despite all the advantages of pawnshop loans, there are also some disadvantages to consider like:

• If you don’t have something of value, you can’t get a loan
• You have to go in person to have your mortgage appraised and to take it to the pawn shop
• If you don’t pay your debt, you may lose your collateral.

In general, it is a very convenient form of borrowing. Millions of Filipinos use the services of pawnshops.

What is Digido Online Loan?

Digido Online Loan is your quick and easy solution for fast cash. Designed for convenience, Digido offers a seamless online application process, instant approvals, and rapid fund transfers.

Digido is a money lending service that provides borrowers a small loans. For those who are borrowing for the first time, they can loan as high as PHP 4,000.00 with a daily interest of 0%. Loan term is possible from 7 to 15 days. This amount is just perfect for paying bills or for starting a very small business, especially in today’s economic and health climate which is rather uncertain.

Repeat borrowers can borrow up to 🟣 PHP 25,000.00 for a period of up to 🟣 30 days, with a daily interest of 🟣 1.5%. Digido does not require a deposit, guarantors and references from the workplace. Even if you are a freelancer you can get a loan. It is advisable that any amount borrowed must be repaid as soon as possible to avoid incurring penalties.

Who is qualified to borrow from Digido?

Borrowers must be Filipino citizens, within 21 to 70 years of age, and must possess the proper documents such as government-issued IDs. For retired applicants, they must have another source of income aside from a monthly pension. It is also necessary to have citizenship of the Philippines and a permanent address in the Philippines. In addition, you need an ID and a working cell phone.

Whether you need funds for emergencies, shopping, or any other personal expenses, Digido is here to provide you with the financial flexibility you need. Experience the freedom of hassle-free borrowing with Digido Online Loan today!

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✦ Quick Loan For Unemployed

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Nothing in the articles published in the website is intended to constitute legal or financial advice and users are advised to seek counsel from legal and financial professionals. Likewise, rates or offers published in the website are promotional marketing offers only and do not constitute any binding contract between the Company and the users. While the writers and publishers of the articles in the website wrote the articles using credible information available to them at the time of publication, any changes or updates to the information presented in this article may not be reflected here. Users are enjoined to exercise appropriate diligence in using the data and information published in the website, and they are urged to study and compare it with other credible sources. Users understand that the writers, publisher, website owner and the Company are not liable for any damage or injury they sustained for their wrongful or erroneous use of the data or information written in the article and published in the website.

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Note: The information presented in the tables is subject to change and users are advised to contact their chosen bank/ financial entity directly for the updated information.

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