Cebuana’s Pawning Service, Items that are Accepted and How to Pawn

Cebuana Lhuillier leads in the pawning industry in the country today. Cebuana Lhuilier offers the highest appraisal rate in the industry in its more than 1,800 branches nationwide. The company’s business has evolved with the needs of the Filipino people by accepting an array of valuable items—from jewelry to gadgets—in exchange for a fair loan amount.

The concept of pawnshops has been around for thousands of years. Pawning is basically loaning people money in exchange for an item—a collateral—that a person asking for a loan may or may not get back in return. With Cebuana Lhuiller, the process is quite simple:

 

  1. Visit any Cebuana Lhuillier Pawnshop branch and present the item to be pawned.
  2. Accomplish the customer information sheet.
  3. Present a valid I.D. (see list below)
  4. Let the appraiser assess the value of your item. Advise the branch personnel if you agree with the appraised value and net proceeds.
  5. Sign the Prenda card and the pouch containing your item to ensure its authenticity and safety for when you get it back.
  6. Count the money received and secure the pawn ticket, which is required to be presented during renewal or redemption of the pawned item.

 

Cebuana Lhuillier assures the highest appraisal and security for pawned items. Advance interest will be charged Php4 for every Php100 loan amount. To maintain the excellent standard of service offered by Cebuana Lhuillier, clients will be charged additional one percent (1%) of the principal loan, but not exceeding five pesos (Php5). No other hidden charges will be deducted from the loan.

Our branches accept gold, diamond, and platinum jewelry and watches, as well as selected non-jewelry items such as cellphones and laptop computers. Remember: if you don’t repay the loan, Cebuana Lhuiller is entitled to keep your item.

 

Pawning is easy. Just present at least one (1) of the following as a valid form of identification:

 

  • Passport; including those issued by foreign governments
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e- Card
  • Social Security System (SSS) 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 ID
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
  • Passports issued by foreign government.

Ready to pawn your items? Visit the Cebuana Lhuillier branch nearest you–

We assure you that it will be a fast, easy and secure transaction.

To Pawn or to Sell? Pros and Cons of Pawning and Selling

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When the unexpected need to shell-out cash arises, pawning and selling are two options to consider. There are several things to take note of when deciding to either sell or pawn an item. One of the most striking differences between selling and pawning: you can get your cash without giving up your item of value completely.

When pawning, your item—say, a jewelry or gadget— serves as collateral in order to secure a loan. This is left with the pawnshop and you can easily have it back once you’re ready to repay your loan. In a sense, it is a process of “pahiraman” between you and the pawnshop.

Selling an item means basically giving up that item for cash. Ask yourself:

Do I want this item back? What does this mean to me? Can I live without this? How replaceable is this? If this item is highly irreplaceable to you, then consider pawning instead.

In making this decision, it’s relevant to consider the value of your item as well. For example, should you decide to pawn a piece of jewelry, say, a diamond ring, you can use this as collateral over and over again as long as you’re able to pay for your loans on time to get this item back. And remember: an item that increases in value over time also merits larger pawn loans.

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What also sets pawning apart is that you have no standing obligation to repay your loan since your item serves as collateral already! If you can’t pay for the item back on time, you can leave it as that. Also consider that a pawn loan is less risky for pawnshops—you can get more money from pawning than from selling with lesser risks from your end too.

Cebuana Lhuillier accepts gold, diamond, and platinum jewelry and watches, as well as selected non-jewelry items such as cellphones and laptop computers. We assure the highest appraisal and security for pawned items. Advance interest will be charged Php4 for every Php100 loan amount. To maintain the excellent standard of service offered by Cebuana Lhuillier, clients will be charged additional one percent (1%) of the principal loan, but not exceeding five pesos (Php5).

Ready to pawn your items? Do you wish to know more about pawning? Visit the Cebuana Lhuillier branch nearest you—we’d be glad to help you out!

Cebuana Lhuillier Insures One Million Filipinos for NPPD; launches Cebuana Alerto app & MIAAPI

One million Filipinos officially joined the country’s rally to be a fully-insured nation as Cebuana Lhuillier—the Philippines’ leading microfinancial company—provides free microinsurance through its National Pilipino Protektado Day campaign. Helping Filipinos be more disaster-resilient and prepared against various calamities, Cebuana Lhuillier has declared July 21 as the National Pilipino Protektado Day as part of the company’s advocacy to build disaster-resilient communities and help the Insurance Commission achieve its vision of protecting 80% of the Filipinos with microinsurance by 2020. “For the past years, we’ve been constantly just introducing new and innovative products and services to the public to be able to help them be financially included. This time, with our National Pilipino Protektado Day campaign, we decided to take a bolder step and took the initiative to really touch ground with those who are most vulnerable to calamities and directly offer them free microinsurance as a new way for them to be secured,” Cebuana Lhuillier President and CEO Jean Henri Lhuillier said. In partnership with Pioneer Insurance and with the help of various public and private organizations, free microinsurance were given out across the Philippines, prioritizing the most vulnerable communities, families and individuals from the marginalized sector.

Cebuana Lhuillier Insurance Solutions General Manager Jonathan Batangan reiterates that National Pilipino Protektado Day is only one of the company’s many endeavors in its push for disaster resilience. “National Pilipino Protektado Day is a great milestone in our disaster preparedness campaign. But after insuring one million Filipinos, we are on to more initiatives that will help us promote microinsurance and foster disaster resiliency. We are introducing an app, a microinsurance organization, and later on, a website–all designed to ultimately promote the welfare of Filipinos,” he said.

Cebuana Alerto App

Reinforcing its disaster resilience advocacy further, Cebuana Lhuillier has also officially launched Cebuana Alerto during the culminating event. An android app that harnesses the digital mobile platform, Cebuana Alerto is designed to provide real-time vital information about disasters within the Philippines.

Equipped with an interactive technology that allows users to share updates in areas affected by any disaster, the Cebuana Alerto app features an alert system that sends notifications to the user in the event of disasters such as typhoon, earthquake, fire, and flood. It has live newsfeeds that show the latest updates from third-party government agencies including the Philippine Atmospheric Geophysical and Astronomical Services Administration (PAGASA) and National Disaster Risk Reduction Management Council (NDDRMC) for weather updates, the Department of Education (DEPED) and the Commission on Higher Education (CHED) for school suspension announcements, and the Metropolitan Manila Development Authority (MMDA) and the Department of Public Works and Highways (DPWH) for information on traffic and road conditions. It also informs the users about Cebuana Lhuillier’s various insurance products and services which they can also purchase immediately online through the app.

Furthermore, the app also includes a “Safe Button” special feature that will automatically notify and send an “I AM SAFE” SMS message to the intended recipient about the user’s current state during a disaster.

MIAAPI

Simultaneously, Cebuana Lhuillier also led the formation of the Microinsurance Agents Association of the Philippines, Incorporated (MIAAPI)—an organization founded to promote the interests and welfare of microinsurance agents nationwide.

MIAAPI interim Board Members include ASEAN Insurance Council Head Michael Rellosa, Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) RFPA Asia Senior Adviser Dante Portula, Pioneer Insurance VP Geric Laude, Rural Bankers Association of the Philippines Past President Enrique Abellana, Philippine Insurers Club Treasurer Edgardo David, RBAP Coordinator Gay Mapano, Eternal Plans SAVP Jumer Lecetivo, Cebuana Lhuillier Foundation Executive Trustee Atty. Cesar Vidal, and CLIS General Manager Jonathan Batangan.

Moreover, Cebuana Lhuillier is also set to launch an online platform for insurance donations called OurHelp later this year. Connecting donees in the Philippines and donors from all over the world through a dedicated website, this crowdfunding website further aims to provide quality insurance protection awarded to the most vulnerable sectors in the form of premium donation from socially aware enterprises.

Prior to the culmination of the National Pilipino Protektado Day, Cebuana Lhuillier kicked off its disaster resilience advocacy by mounting and leading the highly-commended “2016 READY: The Role of Microinsurance in Building Disaster Resilient Communities” forum last January. A series of roadshows in key cities such as Baguio, Cebu, and Davao immediately followed to cascade the Forum’s learnings. Simultaneously, Cebuana Lhuillier launched during the road shows the Alagang Cebuana Plus Gold or ACP Gold—an improved version of the company’s premiere microinsurance product that already includes a microlife component underwritten by PhilamLife. ACP to date has covered more than six million Filipinos.

Lhuillier donates softball rule book to clubs nationwide

Amateur Softball Association of the Philippines President, Jean Henri Lhuillier, donated copies of the International Softball Federation rule book to different teams and clubs in the Philippines. This was done as part of efforts to improve their knowledge in the sport

Lhuillier and Tabotabo wins NTRP Men’s 4.5 doubles championship

Jean Henri Lhuillier Tennis

Cebuana Lhuillier President and CEO Jean Henri Lhuillier and tennis partner Titus Tabotabo were hailed as NTRP Men’s 4.5 doubles champions at the Lafayette Tennis Club, Northern California, July 15 to 17.

Lhuillier and Arcilla wins championship in 2016 Alpine Hills Senior Sectional Tournament

Cebuana Lhuillier President and CEO Jean Henri Lhuillier and former national player Johnny Arcilla emerged as doubles champions of the 2016 Alpine Hills Senior Sectional Tournament.

Lhuillier and Arcilla wins 36th Annual 2016 Incline Open

Jean Henri Lhuillier and Johnny Arcilla (left) bagged the Men’s Doubles championship at the 36th Annual 2016 Incline Open in Lake Tahoe, USA. They defeated the duo of Vince Tabotabo and Titus Tabotabo (right).

Words from the CEO: Disaster Resilience

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • 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 ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. 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
23. ID issued by the National Council on Disability Affairs (NCDA)