Services
Pawning
With over 3,000 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.
How to Pawn at Cebuana Lhuillier
Pera Padala
Cebuana Lhuillier’s money transfer service is an easy, quick, and safe way to send and receive money. With over 3,000 branches nationwide and accredited international partners, this service is made available to clients within and outside the Philippines. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch.
Sending Money Through Pera Padala
Microinsurance
With affordable insurance products to help low-income Filipinos avail of financial services and privileges that higher-income earners have easy access to, we offer innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position.
Testimonial: Cebuana Lhuillier Microinsurance
Bank
Cebuana Lhuillier Bank is a rural bank with a mission to provide financial access to the unbanked and underbanked market of the country, as well as offer opportunities to the MSME’s to grow their business through its loans products. Established in 1998, CL Bank has already expanded to a total of 6 branches spread across Batangas, Cavite, Makati and Cebu. The highlight of CL Bank is the emergence of their Microsavings account. Since the product was launched in 2019, CL Bank has already provided more than 7 million Microsavings accounts in the Philippines.
Institutional Services
Cebuana Lhuillier is open to partnerships to help other businesses grow and to serve more individuals. Allow us to assist you in achieving your business goals while enjoying the following benefits.
24k
The 24k Rewards Program is the first of its kind in the pawnshop and money remittance industry. It instantly grants clients exclusive privileges, discounts, rewards, and coupons as they transact with Cebuana Lhuillier. Each Cebuana Lhuillier transaction earns points, which clients can accumulate and later convert for payment in their next transaction. Alternatively, they can also convert the points into discount coupons from our partner brands
The 24k Rewards Program is the first of its kind in the pawnshop and money remittance industry. It instantly grants clients exclusive privileges, discounts, rewards, and coupons as they transact with Cebuana Lhuillier. Each Cebuana Lhuillier transaction earns points, which clients can accumulate and later convert for payment in their next transaction. Alternatively, they can also convert the points into discount coupons from our partner brands
Services
24k
The 24k Rewards Program is the first of its kind in the pawnshop and money remittance industry. It instantly grants clients exclusive privileges, discounts, rewards, and coupons as they transact with Cebuana Lhuillier. Each Cebuana Lhuillier transaction earns points, which clients can accumulate and later convert for payment in their next transaction. Alternatively, they can also convert the points into discount coupons from our partner brands
How to Send or Claim
- Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
- Give the total amount to be paid.
- Secure the Pera Padala form (and count the change received, if there is any).
- Provide the 10-digit control number to the receiver/beneficiary.
- Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID and 24k card (if a 24k card holder) to the branch personnel.
- Count the money received.
Rates
Domestic Remittance Rates
| Sending | Amount | Charge Amount | Charge Amount | Charge Amount | Charge Amount | Charge Amount |
|---|---|---|---|---|---|---|
| From | To | Metro Manila | Northern Luzon | Southern Luzon | Visayas | Mindanao |
| 1.00 | 100.00 | PHP1.00 | PHP1.00 | PHP1.00 | PHP1.00 | PHP1.00 |
| 100.01 | 200.00 | PHP3.00 | PHP3.00 | PHP1.00 | PHP1.00 | PHP1.00 |
| 200.01 | 300.00 | PHP5.00 | PHP5.00 | PHP2.00 | PHP2.00 | PHP2.00 |
| 300.01 | 400.00 | PHP10.00 | PHP10.00 | PHP3.00 | PHP3.00 | PHP3.00 |
| 400.01 | 500.00 | PHP15.00 | PHP15.00 | PHP7.00 | PHP7.00 | PHP7.00 |
| 500.01 | 600.00 | PHP18.00 | PHP17.00 | PHP9.00 | PHP9.00 | PHP9.00 |
| 600.01 | 700.00 | PHP21.00 | PHP20.00 | PHP10.00 | PHP10.00 | PHP10.00 |
| 700.01 | 800.00 | PHP24.00 | PHP20.00 | PHP12.00 | PHP12.00 | PHP12.00 |
| 800.01 | 900.00 | PHP27.00 | PHP23.00 | PHP12.00 | PHP12.00 | PHP12.00 |
| 900.01 | 1,000.00 | PHP30.00 | PHP25.00 | PHP15.00 | PHP15.00 | PHP15.00 |
| 1,000.01 | 1, 500.00 | PHP45.00 | PHP40.00 | PHP20.00 | PHP20.00 | PHP20.00 |
| 1,500.01 | 2,000.00 | PHP60.00 | PHP50.00 | PHP30.00 | PHP30.00 | PHP30.00 |
| 2,000.01 | 2,500.00 | PHP75.00 | PHP65.00 | PHP40.00 | PHP40.00 | PHP40.00 |
| 2,500.01 | 3,000.00 | PHP90.00 | PHP75.00 | PHP50.00 | PHP50.00 | PHP50.00 |
| 3,000.01 | 3,500.00 | PHP95.00 | PHP90.00 | PHP60.00 | PHP60.00 | PHP60.00 |
| 3,500.01 | 4,000.00 | PHP115.00 | PHP100.00 | PHP70.00 | PHP70.00 | PHP70.00 |
| 4,000.01 | 5,000.00 | PHP125.00 | PHP110.00 | PHP90.00 | PHP90.00 | PHP90.00 |
| 5,000.01 | 6,000.00 | PHP145.00 | PHP220.00 | PHP114.00 | PHP114.00 | PHP114.00 |
| 6,000.01 | 7,000.00 | PHP155.00 | PHP220.00 | PHP118.00 | PHP118.00 | PHP118.00 |
| 7,000.01 | 8,000.00 | PHP165.00 | PHP220.00 | PHP125.00 | PHP125.00 | PHP125.00 |
| 8,000.01 | 9,500.00 | PHP185.00 | PHP220.00 | PHP125.00 | PHP125.00 | PHP125.00 |
| 9,500.01 | 10,000.00 | PHP195.00 | PHP240.00 | PHP140.00 | PHP140.00 | PHP140.00 |
| 10,000.01 | 14,000.00 | PHP250.00 | PHP250.00 | PHP260.00 | PHP250.00 | PHP260.00 |
| 14,000.01 | 15,000.00 | PHP300.00 | PHP300.00 | PHP310.00 | PHP300.00 | PHP310.00 |
| 15,000.01 | 20,000.00 | PHP350.00 | PHP350.00 | PHP360.00 | PHP480.00 | PHP360.00 |
| 20,000.01 | 30,000.00 | PHP400.00 | PHP400.00 | PHP410.00 | PHP720.00 | PHP410.00 |
| 30,000.01 | 40,000.00 | PHP450.00 | PHP450.00 | PHP460.00 | PHP960.00 | PHP460.00 |
| 40,000.01 | 50,000.00 | PHP500.00 | PHP500.00 | PHP510.00 | PHP1,200.00 | PHP510.00 |
International Remittance Rates
| Principal From | Principal To | Charge Amount |
|---|---|---|
| P1 | P5,000 | P500 |
| P5,001 | P10,000 | P600 |
| P10,001 | P250,000 | P900 |
| P250,001 | P500,000 | P1200 |
Wester Union Rates
| Principal From | Principal To | Charge Amount |
|---|---|---|
| P1 | P10,000 | P500 |
| P10,001 | P50,000 | P750 |
| P50,001 | P100,000 | P850 |
| P100,001 | above | P1,100 |
IDs Accepted
- Barangay Clearance
- Integrated Bar of the Philippines (IBP) ID
- PWD ID
- Driver’s License
- Postal ID
- UMID
- PRC License
- TIN ID
- NBI Clearance
- Police Clearance
- Voter’s ID
- Senior Citizen ID Card
- OFW ID
- Passport
- Philippine Identification Card
- Seaman’s Book / ID
- Alien Certificate of Registration ID
- PAG-IBIG ID Card
- DSWD Certificate (Solo Parent ID)
- Armed Forces of the Philippines ID
- PhilHealth ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission.
Items Accepted
IDs Accepted
- Passport
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Philippine Identification (PhilID) card
- Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
- Barangay Certification
- Government Service Insurance System (GSIS) e-Card
- Senior Citizen Card
- Overseas Workers Welfare Administration (OWWA) ID
- OFW ID
- Seaman’s Book
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
- Home Development Mutual Fund (HDMF ID)
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines (IBP) ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
Appraisal Calculator
List of Products
Available in Cebuana Lhuillier Branches | ||||
Product Name | Premium | Coverage | ||
ProtectMax: | P50 | up to P150,000 | 4 months | accident, fire, emergency |
CTPL | as low as P300.40 | 1 year | LTO-required third-party liability | |
HealthMax | P3,000 | up to P150,000 | 1 year | emergency hospitalization for viral & bacterial illnesses, accidents |
Available Online | ||||
Product Name | Premium | Coverage | ||
ERCare | as low as P560 | up to P20,000 | 1 year | emergency hospitalization including pre-existing condition |
Health Dengue | P400 | up to P10,000 | 1 year | in-patient or out-patient dengue case |
Health Covid | as low as P650 | up to P355,000 | 1 year | COVID |
Health Insurance Basic | P1,000 | up to P20,500 | 1 year | emergency hospitalization & teleconsultation |
Personal Accident | as low as P10 | up to P25,000 | varies | accident |
DriverCare | P260 | up to P50,000 | 1 year | accident, health & fire |
EmployeeCare | P320 | up to P50,000 | 1 year | accident, health & fire |
Available in Cebuana Lhuillier Financial | ||||
Product Name | Premium | Coverage | ||
All Day Care | P2,500 | up to P200,000 | 1 year | accident, teleconsultation, fire |
FWD Insurance | ||||
Available via Retail Partners & Cebuana Lhuillier Agents | ||||
Product Name | Premium | Coverage | ||
MyCare | P10 | up to P10,000 | 1 month | accident |