Cebuana Lhuillier Cash Agad!

Sa Cash Agad, ang pinadalang pera sa bank account sa ‘Pinas, pwede nang ma-withdraw sa Cebuana Lhuillier gamit ang ATM card!

 

Sabihan ang inyong beneficiary na magpunta lamang sa isa sa 429 qualified Cebuana Lhuillier branches nationwide. Narito ang complete list ng branches:

 

Luzon

Albay: CLH Guinobatan
CLH Tiwi
Aurora: CLH Ma. Aurora
CLH Baler
Bataan: CLH Limay 2
CLH Dinalupihan 1
CLH Orani 2
CLH Orani 1
CLH Mariveles 3
CLP BALANGA 7
Batangas: CLH Calatagan 1
CLH Luksuhin – Calatagan
CLH Mabini
CLH Agoncillo
CLH Calaca
CLH Cuenca
Benguet: CLP la azotea
Bulacan: CLH Muzon 2
CLH Bulakan
CLP MEYCAUAYAN 4
CLH Angat
CLH Bigte
CLH Norzagaray
CLP MALOLOS SAN VICENTE
CLP BOCAUE
CLH Pandi (60716)
Cabanatuan: CLP CABANATUAN 10
Cagayan: CLH Gattaran
CLH Lasam
CLH Claveria
Camarines Sur: CLH Dilanco-Libmanan
CLH Sipocot
Cavite: CLH San Jose GMA
CLH Maragondon
CLH Indang Cavite
CLH Alfonso Cavite
CLH Carmona
CLH Tanza Paradahan
CLH Naic Soriano
CLH Tejero
CLH Pagasa 1
CLH Mendez
CLH Gen. Trias
Ilocos Norte: CLH Bangui
CLH Dingras
CLP Laoag JP Rizal
CLP BATAC – MARCOS AVE.
Ilocos Sur: CLP Magsingal
Isabela: CLP cordon
CLP ILAGAN 1
CLH San Mariano
CLP SANTIAGO 3
CLP CAUAYAN 1
La Union: CLH Bacnotan
CLH Bangar National Road
CLH Balaoan
CLH Naguillian
CLH Bauang
CLH Aringay
CLH Rosario – La Union
CLP la union 4
Laguna: CLX Pila, Laguna
CLH Cabuyao – Katapatan
CLH Luisiana
CLH Paete
CLH Calauan
CLH Bay
CLH Lumban
CLH Liliw
CBX Victoria
Marinduque: CLH Torrijos
CLH Gasan
Mountain Province: CLH Bontoc
Nueva Ecija: CLH Rizal
CLH Jaen 1
CLP SAN JOSE 3
CLP MUÑOZ 1
CLH Carranglan
CLH Bongabon
CLH Sto Domingo
CLP gapan 1
CLH Gen. Tinio
CLH San Leonardo
CLH San Antonio
CLH Cabiao 1
CLH San Isidro
CLH Aliaga
CLH Peñaranda
Occidental Mindoro: CLH Abra de Ilog
CLH Sta. Cruz
CLH Sablayan
CLH Mamburao
CLH Bongabong
CLH Puero Galera
CLH Victoria
CLH Roxas
CLX Bansud
CLX Socorro
Olangapo: CLP BARETTO
Palawan: CLH Palawan 7
CLH El Nido
CLH Taytay
CLH Roxas
CLX Riotuba
CLH Brooke’s Point
CLX Aborlan
CLH Narra
CLH Coron
Pampanga: CLH Pandan
CLH Porac
CLH Sta Lucia
CLH Madapdap
CLH Pandacaqui
CLH Widus Clark
CLH Mabiga
CLH Porac Model
CLH Candaba
CLH Bulaon
CLH Floridablanca 2
CLH Arayat 3
Pangasinan: CLH Binalonan
CLH San Fabian
CLH Umingan
CLH San Quintin
CLH Balungao
CLH Sta.Maria *former CLX*
CLH Basista
CLH Calasiao
CLH Sta.Barbara
CLH Pozorrubio MS
CLH San Manuel
CLH Asingan
CLP SAN CARLOS 3
CLP urdaneta marketsite
CLP ALAMINOS MONTEMAYOR
CLH Bani
CLP TABUK
CLP DAGUPAN fernandez
Quezon: CLH Calauag
CLH Pagbilao
CLH Real
CLH Lucban
CLH Atimonan – Juez Andres
Quirino: CLH Maddela
Sorsogon: CLH Sorsogon 2
CLH Bulan
CLH Gubat
Tarlac: CLP San Clemente
CLP TARLAC-SAN ROQUE (Tarlac 8)
CLH lapaz
CLH bamban
CLH pura
Tugegarao: CLP CARIG
Vigan: CLP VIGAN 3
Zambales: CLH Botolan
CLP SUBIC 1
CLH Candelaria
CLH Masinloc 2
CLH Sta Cruz 1

 

 

Visayas

Aklan: Clx New Washington
CLH Altavas
CLH Ibajay
CLH Caticlan
Antique: CLH Bugasong
CLH-Sibalom (60256)
CLH-San Jose 2
CLH-San Jose 3
CLH-Tibiao Pob. Plaza (soon to open)
CLH-Tobias Fornier (61009)
Bohol: CLPP Tagbilaran Business Center (TBC)
CLP CARMEN
CLP PANGLAO
CLP UBAY
CLP TALIBON
CLP TUBIGON
CLP TALIBON – CPG AVENUE
CLH Calape
CLH Inabanga
CLH Carmen
CLH Guindulman
CLH Sagbayan
CLH Loon
CLH Valencia
CLH Jagna br.
CLH Loboc br.
CLH Loay br.
Camiguin: CLH – Camiguin
CLX – Catarman
CLH Camiguin
Capiz: CLH Mambusao
CLH Tapaz
CLH Dumarao Highway
CLX Maayon
CLX Sigma highway
CLX Ivisan Plaza
CLH Pontevedra
CLH Pres. Roxas
Cebu: CLH Dalaguete
CLH Moalboal
CLH Poro Camotes
CLH Toledo 2
CLH Gaisano Basak
CLH IT Park
CLH Minglanilla 2
CLH San Fernando
CLH Inayawan
CLH Bulacao
CLH OSLOB
CLH Minglanilla Tungkop
CLH Liloan
CLH Compostela
CLH Danao Mitsumi
CLH Carmen
CLH Catmon
CLH Tabogon
CLH Bantayan Island
CLH Daanbantayan
CLH Madridejos
CLH San Remegio
CLH Maya
CLH Tuburan
CLH Pinamungajan
CLH Lutopan
CLX Buanoy
CLH Babag
CLH Pajac
CLH Buaya
CLH Cordova
CLH Estancia
CLH Tipolo
CLH Wireless
CLH Nasipit
CLH Mabolo 2
CLH N. Bacalso 3
CLH Acacia
CLH T. Padilla
CLH Urgello
CLH Apas
CLH MJ Cuenco
CLH Manalili
Eastern Samar: CLX Mc Arthur Eastern Samar
CLH Balangiga
CLH Oras
CLH Dolores
CLH Can Avid
CLH Taft
CLH Llorente
Guimaras: CLH-Guimaras (41012)
CLH-Buenavista (41015)
CLH Guimaras (41012)
CLH Buenavista (41015)
Iloilo: CLH Dingle
CLH Balasan
CLH Pototan
CLH-Calinog (41001)
CLH-Cabatuan (41018)
CLH-Tigbauan (41014)
CLH-Oton
CLH-Calinog (41001)
CLH-Lambunao (60525)
CLH-Leon (60718)
CLH-San Joaquin (60763)
CLH-San Miguel (60718)
CLH-Guimbal (41017)
CLH-Janiuay (41004)
CLH-Miagao Plaza (60981)
CLX Zarraga Bangga Bante
CLX Ajuy
CLH Estancia E. Reyes
CLH Estancia
CLH Sara
CLH Barotac Viejo
CLH Banate
CLH Barotac Nuevo
CLH Dumangas
CLH Zarraga
CLH Leganes
Leyte: CLH Palo 2
CLH Hilongos
CLH Sogod
CLH Carigara Real
CLH abuyog Terminal
CLH Dulag
CLH Tanauan
CLH San Isidro (60376)
CLH Liloan (40707)
CLH Villaba (60355)
CLH Isabel (40706)
CLH Bato (40702)
CLH Inopacan (60518)
CLX VSU (80039)
CLX Hindang (80050)
Masbate: CLH Dimasalang
CLH Placer main
CLH Placer 1
CLH Cataingan
CLH Palanas
CLH Pio V. Corpus
CLH Mandaon
CLH Aroroy
CLH Jones
CLH San Fernando
CLH Cawayan
CLH Balud
Negros Occidental: CLH Toboso
CLH Calatrava
CLH Cauayan
CLPP Sta Clara Arcade(90137)
CLH Manapla(60526)
CLH EB Magalona (60790)
CLH Sum ag(60149)
CLX Paraiso (80110)
CLH Moises Padilla
CLH Hinoba-an 2
CLH Guanzon – Kabankalan
CLH Bago – Bago City
CLH Himamaylan–Himamaylan
CLH La Carlota – La Carlota
CLH Sipalay – Sipalay City
CLH Hinobaan 2
Negros Oriental: CLH Basay
CLH Zamboanguita
CLH Ayungon
CLH Guihulngan – Negros Or.
CLH Sta Catalina (60520)
CLH Siaton     (40512)
CLX San Jose(80018)
CLH Amlan (40501)
CLH Sibulan   (40513)
CLX Tanjay Opao (80137)
CLH Pamplona
CLH Canla-on
CLH Bindoy
CLH Jimalalud
Northern Samar: CLH Allen
CLH Laoang
CLH San Roque
CLH San Jose
CLH Rawis
Romblon: CLH Looc
CLH San Agustin
CLH San Andres
Siquijor: CLH Lazi   (60510)
CLPP Siquijor (90133)
Southern Leyte: CLH San Juan
CLH Hinunangan Terminal
CLH Padre Burgos (60923)
CLH Malitbog (60799)
Western Samar: CLH Calbiga
CLH Buray
CLH Gandara

 

 

Mindanao

Agusan Del Norte: CLX Kitcharao
CLH Nasipit
CLX Sta Josefa
CLH Prosperidad
Basilan: CLH Isabela 1
Bukidnon: CLX TALAKAG
CLX Alae
CLH Camp Phillips
Compostella Valley: CLH Compostela Comval
Cotabato: CLH Carmen
Davao Del Sur: CLH Malita
CLH Sta. Maria
CLH Padada
CLH Malalag
Davao Oriental: CLH Baganga
CLH Tibanban
Lanao Del Norte: CLH Maranding 1
CLX Bacolod
CLX Baroy
CLH Linamon
CLH Tubod
Lanao Del Sur: CLH Wao
CLH Malabang
Maguindanao: CLX AWANG
CLH Awang
CLH Parang
Misamis Occidental: CLH Calamba
CLH Tangub
Misamis Oriental: CLH Tagoloan
CLX Lugait
CLX – Villanueva
CLH – Balingasag
CLH – Salay
CLH – Balingoan
CLX – Medina
CLX – Alubijid
CLX Kibungsod Magsaysay
CLH Bulua
CLH Barra
CLH Puerto
CLH Salay
CLH Balingoan
CLX- Alubijid
CLH Initao
North Cotabato: CLX PIKIT
CLH Banisilan
CLH Makilala
Quirino: CLX Pres. Quirino
Sarangani: CLH Kiamba
CLH Maitum
CLX Alabel
CLH Glan
CLH Malungon
South Cotabato: CLX NORALA
CLX Banga
CLH Sto. Nino
CLH Cannary
Sultan Kudarat: CLX Lambayong
CLH Esperanza
CLH Lebak
CLH Kalamansig
Surigao Del Norte: CLH Claver
CLX Dapa
CLX Taganito
CLH Magpayang
Surigao Del Sur: CLH Hinatuan
CLH Barobo2
CLX Cagwait
Tawi-Tawi: CLH Bongao
CLH Bongao
Zamboaga Del Norte: CLH Aurora
CLH Labason
Zamboanga Del Sur: CLH Molave
CLH Vitali
CLH Tukuran
CLH Margosatubig
Zamboanga Sibugay: CLH Alicia
CLH Imelda

 

 

 

 

 

EXTENDED! 30% OFF Remit To Account Service Fee

Mga Ka-Cebuana, extended hanggang December 31, 2017 ang 30% OFF Remit-To-Account Service Fee sa Cebuana Lhuillier Hong Kong. Sabihan mo na ang mga loved ones mo sa HK na sulitin ang discounted RTA service fee ngayon!

 

Reminders:

  • Duration: August 1 – December 31, 2017
  • Ang promo na ito ay open to first 200 clients per month na mag-aavail ng remit to account service sa mga sumusunod na accepted banks:

Allied Bank
Asia United Bank
Bank of commerce
Banco de Oro (BDO)
Bank of the Philippine Islands (BPI)
BPI Family
Chinabank
Chinatrust
Eastwest Bank
Landbank
Maybank
Metrobank
Philippine Business Bank
PNB
PS Bank
RCBC
RCBC Savings Bank
Security Bank
Sterling Bank of Asia
UCPB
Union Bank

 

  • Makakatanggap ang client ng 30% OFF RTA Service Fee,  from HKD 15 to discounted price: HKD 10.50
  • Ang promo na ito ay exclusive sa Cebuana Lhuillier Hong Kong
  • Hanggang PhP100,000.00 ang pwedeng ipadala

Para sa mga katanungan, maari kayong bumisita sa Cebuana Lhuillier Hong Kong branch located at Shop 144, 1st floor Lik Sang Plaza, 269 Castle Peak Rd., Tsuen Wan New Territories, Hong Kong o tumawag sa (+852) 24164338 / (+852) 024379338

Cebuana Lhuillier Girls’ Tennis Challenge

Mechanics:

  1. The tournament will be held on September 22, 23 & 24, 2017 (Friday to Sunday) at Valle Verde Tennis Club, Capt. Henry Javier Street, Pasig City.
  2. There will be 2 Age Group categories: Under 14 girls and Under 16 Girls.
  3. This tournament will serve as qualifying tournament to the WTA Future Stars on October 16-23, 2017 in Singapore.
  4. The champion of each category earns the right to represent the Philippines in WTA Future Stars tournament.
  5. The top 8 players in each Age Group based on Unified Tennis Philippines ranking as of August 31, 2017 will be invited in the competition.
  •             A player may only compete in one category.
  •             If ever any of the top 8 players can’t join the tournament, the next highest ranked player will get the slot.
  •             Invited players will be given until September 8, 2017 to                                                                               confirm their participation in the tournament.
  1. The tournament will use thte “Masters” type format:
  •             The 8 players will be divided into 2 groups
  •             Round-robin: Players will compete against all players of the same group
  •             The top 2 players of each group will advance to the semi-finals
  •             The tournament shall utilize the 2 out of 3 regular game scoring system
  •             In case of 1 set all, a championship tiebreak scoring system shall be utilize for the semi-finals until the finals round, the organizer shall utilize the 2 out of 3 regular tie-breaks sets
  •             Cross-over semi-finals will compete in the championship to earn the right to represent the country in the WTA Future Stars tournament
  •             To maintain fair and reasonable standards of conduct by players, the Code of Conduct is in operation. In any case, if a player walks out from her scheduled match for whatever reason, she is banned from joining in any Cebuana Lhuillier Tennis events for one (1) year unless her health or present condition doesn’t permit her to continue to play
  1. All provincial players who will qualify will be provided with an air-conditioned billeting room on a twin-sharing basis with their co-players. Each qualified provincial player will also be provided one (1) round-trip ticket only.

 

NOTE: In case the qualified player cannot make it to the tournament for any reason, the airfare, room accommodation, and meal allowance will not be converted into cash. The next ranked player will automatically earn the slot for the tournament.

 

  1. No cash & food allowance will be given to the players during the qualifying tournament in Manila.
  2. All qualified players will be notified through e-mail and in writing.
  3. In case of any dispute, the decision of the organizer will be final.

The Benefits of Time Deposits

How do you maximize growth of your money when you have no time put up a business and have a low risk tolerance for investment?

Time deposits may be the right answer for you.

In the history of banking, no other product has better served the financial needs of depositors than the time deposit.

Leveraging on the principles of time and compounding, a depositor can use the bank as a tool to grow money more than what is earned in a traditional savings account.

If you are unfamiliar with this easy strategy to earn more money, read on to learn about the amazing benefits of making a time deposit:

Compounding Multiplies Your  Money

Also called ‘Term Deposit,” a time deposit usually has a higher interest rate compared to a traditional savings account.  Since there is a specified time that your deposit is held in the bank, say 30 days to 90 days, the amount can be used by the bank for other investments or for its lending operations.

The bank also has more time to get back its profit from those investments or lending operations, a part of which is paid back to the depositor as interest.  In some cases, a time deposit has a 180-day holding period which is far different from a traditional savings account where a depositor has access to the funds at all times.

Some banks have time deposit products that mature in two years to as long as six years, or even longer. The longer the time deposit, the greater the yield.

Now, how does compounding positively affect your time deposit?

Let’s say you invest P10,000 in a time deposit with a 5% interest that would mature in one year.  After 12 months, your initial P10, 000 would have earned P500 in interest.  So the balance of your time deposit account would now be P10,500 — without doing anything except allowing your money to stay in the bank for the specified time period.  These days, a traditional savings account only has a 0.25% interest rate per annum, which is way below what you could earn from the interest rate for a time deposit.

Little to No Risk, Guaranteed Gain

Another clear benefit of a time deposit is the fact that all you need to do is to agree to the terms set by the bank and wait for it to mature.  No labor required from you to earn interest but the gain is guaranteed by the bank.

A time deposit is also less risky as compared to entering the stock market, establishing a new business, or even investing in real estate.

 Waiting Time is Your Choice

As mentioned above, there are different maturity periods for time deposits. That means you can choose how long you will wait for the deposit to mature.  The longer you wait, the higher the income in terms of interest. But in case you know exactly when you need your money, you can always choose the shorter term deposits.

Indeed, a time deposit is a wise investment tool that allows you to have the power of choice and provides you the chance to grow your money with little effort and risk.

Smart Saving Tips When Working Abroad

There are 2.4 Million Filipinos working overseas across the globe. Most, if not all, remit huge sums of money regularly to support their families in the Philippines.

Even with their well-paying jobs, it seems that many overseas workers still need to learn the financial skill of saving money so that they can have a good life now and during retirement.

How much money do overseas workers really earn? Records show that for the month of April 2017 alone, the total remittances amounted to a staggering US$2.083 Billion. The sheer amount of remittances by overseas workers makes them literal heroes of the country. Through hard work and sacrifice, they are able to collectively remit billions of dollars that help keep the country’s economy afloat.

Despite their ability to work and earn large amounts of money, many of overseas workers are still financially challenged. It is not uncommon to hear of a retired overseas worker who has very little or nothing left even after 20 years or more abroad. Worse, some of them fall into serious debt even after earning good money from their overseas work.  Their financial challenges eventually impact themselves and their families, and ultimately, the country’s economic situation.

Financial success, as one expert once said, is not about how much you earn… it is about how much you keep and how much you grow what you’ve earned. Sadly, not a few overseas workers have learned this truth the hard way.  Some have accumulated tons of debt, others have lost their hard-earned cash because of frivolous spending, while others have remitted their money to the family which, in turn, wasted ever single cent.

Clearly, every overseas worker needs to be smart with money. Being smart with money starts with following these simple but indispensable tips to financial success:

Stick to a Budget.  Sticking to a budget is a must not only for the overseas worker but for the rest of the family that receives and uses the cash remittance. Living abroad, the loneliness caused by separation from one’s family may cause an overseas worker to turn to palliatives to soothe the suffering. For many, this palliative is mindless shopping for one’s self and for the loved ones back home. While each and every shopping trip may be an act of love for one’s family, the package of presents later on become a gaping hole where money is lost. Having no control over one’s shopping habits also makes an overseas worker fall into the trap of excessive materialism, which also drains the purse. In short, knowing the difference between needs and wants must be the first order of the day. Strictly following a budget is definitely something what every overseas worker needs to do.

Pay-Off Debts. Having unpaid debt is like storing water in a bucket full of holes. It is wise to set aside money every payday to pay for debts. One cannot effectively save money if there is still debt that is not paid for in full. Specifically for credit card debt, it is best to pay off the credit card debt with the bank that has the highest interest rate. It is also advisable to research on debt consolidation so that you only pay one interest rate on a single debt instead of paying of several banks.

Avoid Debt. Logically, one needs to avoid incurring more debt. As mentioned above, one needs to stick to a strict budget to avoid spending more than what one has earned.  For credit cards, some people have done the extreme of actually cutting off all their ‘plastic’. Some realistically just keep one credit card but only use for real, pressing financial needs such as a medical emergency and never for shopping, eating out, or going on vacations.

Invest. Once every single debt has been paid, an overseas worker can focus on growing his or her hard-earned money.  There are many investment tools available that offer higher returns than the interest rates from the bank. Placing money on mutual funds and other paper investments are good options for those who have time to study these types of financial tools and platforms. For the traditional investor, buying real estate such as condominium unit or apartment that can be rented out is a good source of passive income.

Get Financially Educated.  Getting rid of debt, managing one’s budget, and investing to grow money take financial education. Learning about how banks work, the different types of investments, or perhaps running one’s own business takes knowledge and discipline. Reading books, going to seminars, or even hiring a financial adviser are wise steps to take in order to improve one’s ability to build wealth over time. A simple but good example is knowing which is more efficient, sending money remittances via traditional banks or through established remittance companies like Cebuana Lhuillier. Comparing the transaction charges would clearly give an idea which one is more overseas worker-friendly.

By following these simple tips, an overseas worker regardless of profession or salary scale, can indeed stretch the money to meet present needs and better still, send more to the family so that could invest and prepare for the future.

Everything You Need to know about Online Pawning

In the past, a person who needs extra cash would have to travel all the way to the nearest pawn shop. Bringing his or her item to be pawned was an extra burden because of the cost of fuel if one is driving a car, or the fare to be spent for a taxi or bus. Added to the burden is the risk of carrying around an expensive or heavy item all the way to the pawnshop. Once the pawnshop is reached, falling in line to wait for one’s turn to be appraised also consumes time and effort.

Today, one does not need to go through all that hassle. Leveraging the power of information and communications technology, the 21st century pawnshop is now online.

Online pawning is the latest method or platform for getting extra cash by pawning an item with monetary value. Unlike traditional pawning at a brick-and-mortar establishment, online pawning is definitely time-efficient, easy, and usually offers more cash to meet your need.

So how does Online Pawning work?

Typically, one has to register and have an online account with an online pawning service.  With a stable internet connection, a person can use his or her phone, computer, or any other gadget to access the online pawning service.

The next step is to take a photo or upload an image of the item to be pawned onto the online pawning site. The online appraisers will examine the photo and usually take only a few minutes to send back a reply. Once your item is approved, the online pawning service will schedule a pickup at your preferred address.  They have authorized couriers who will come to receive and handle the pawned item.  Once your item has been appraised and approved, the online pawning service will deposit the corresponding amount to your own bank account or use other convenient payout options.

These are some of the outstanding benefits or advantages of Online Pawning:

High appraisals

Online pawning offers a higher appraisal than the brick-and-mortar pawnshop because of lower overhead costs to run the business. A traditional pawnshop takes an enormous amount of money to set-up beginning with construction costs that could easily go take hundreds of thousands if not millions of pesos. Aside from construction costs, the traditional pawnshop has overhead costs for water, electricity, rent or lease (if building is not owned by the company), salaries for the staff and security guards, security equipment such as CCTVs, to name a few.

Since online pawning relies more on technology rather than physical infrastructure and other business expenses, the pawning company need not pass on the cost to the customer in the form of high interest rates.

No need to leave your home or office, save time and effort

Using an online pawning service is also a great time-saver.  There is absolutely no need to drive all the way or take public transport to reach the nearest pawnshop.  The online accessibility of the service allows a person to avoid the time-wasting and stressful travel through the city’s heavy traffic or during inclement weather. Since the online pawning service will also send couriers to pick up the approved item, all you have to do is wait for them to arrive.  So the pawnshop literally comes to you and benefits from the online pawning service can be accessed using wi-fi and your fingertips.

Tech-Enabled Transactions

By using technology, pawning an item online is so much easier. You are able to make the transaction anywhere you are. This advantage is especially relevant and useful to Millennials who are perhaps the most tech-savvy generation in all of human history. No need to fill-out forms and physically bring the item to be pawned to the shop.  Online help for your financial needs has never been this convenient.

Indeed, with all these unique advantages, online pawning is one of the best ways to handle emergencies and meet your financial needs.

Agricultural Loans for Farmer

The old folk song says it all:  “Magtanim ay ‘di biro…”

It is not an exaggeration to state that farming in the Philippines may be considered a tough business or source of livelihood.  It is an endeavor surrounded by risk and hardship.

Aside from the seasonal typhoons that wreak havoc on crops, farmers also contend with the threat of El Niño and La Niña, insect and fungal infestation, and fluctuations in crop prices in the market. Another major challenge is the fact that the average age of the Filipino farmer is now at 57 years old.

For these reasons, the average farmer needs all the help he can get especially in the aspect of micro-financing.  From planting the seeds, to growing the crops, up to harvest time and bringing the crops to market, the farmer needs cash to support his livelihood.

The good news is, microfinancing is available to small-scale farmers from Cebuana Lhuillier Bank.  Aside from being the country’s top pawning and money remittance facility, Cebuana Lhuillier Bank has embarked on yet another excellent service — this time to assist our country’s farmers who literally keep the country alive by being at the center of food production.

Through special loans designed for the needs of the Filipino farmer, Cebuana Lhuillier is able to extend a lifeline to thousands if not millions of farmers who toil under the hot sun in order to produce food.  These loans are easy to apply for, processed fast, and are truly accessible to farmers from different scales of land, types of crops, and production capacity.

With an agricultural loan, a struggling farmer can buy new seeds after his previously planted crops were wiped out by a storm.  With a timely yet easy-to-pay loan, a farmer who is burdened by limited water supply now has the cash to invest in irrigation equipment.  Farmers who face challenges during harvest time can buy additional tools or equipment to improve productivity, which is made possible through an agricultural loan from Cebuana Lhuillier.

Simple Loan Processing. When a farmer visits Cebuana Lhuillier Bank, they won’t be hassled by long forms to sign or by a lengthy list of requirements.  The bank knows that the needs of farmers are urgent and further delays could only cause more damage to crops and to the farmer’s livelihood.

Fast Transactions.  Farmers play a critical role in society in terms of making sure that every table in every home receives food, especially rice which is the staple of the Filipino family.  They can only perform this important role if they are able to transact fast and without delay, most critically during times when they need financial assistance for the farm. Cebuana Lhuillier Bank makes sure that transactions are swift and efficient so every farmer can focus on growing their farm and producing the food that our families need.

Easy to Pay.  Knowing the true conditions of farmers and the challenges they face each day, Cebuana Lhuillier Bank has structured its agricultural loans in a way that favors the small-scale farmer.  Interest rates are kept at a minimum and the loan payment schedules are flexible enough to jibe with the pace of farm production and typical cash flow of small-scale farmers.

While farming is certainly no joke given its inherent challenges, farmers can truly find a reason to sing with the agricultural loans made available to them. By using these financial tools wisely, our farmers can achieve the success they’ve always dreamed of while keeping our nation’s food supply steady and strong.

UNLIPADALA

Ka-Cebuana! Unli na ang saya dahil may UNLI PADALA na! Sa halagang P299 lang, unli na ang padala ng 3 buwan!

 

MECHANICS:
1. UNLIPADALA Promo shall run from July 10, 2017, to October 10, 2017, in all Metro Manila and Rizal branches only.

  1. This promotion is open to all clients through Cebuana Lhuillier 24k Card. Non 24k- cardholder may avail it for only P50. While waiting for their 24k card, the customer may still avail UNLIPADALA through the Ka-Cebuana Card which will be issued in the branches upon availment of the promo.
  2. UNLIPADALA or SUPERUNLIPADALA transaction is only applicable to one recipient nominated by the sender.
  3. UNLIPADALA or SUPERUNLIPADALA transaction is limited up to P5,000 only per day; single or accumulated transaction and P50,000 accumulated amount per month. (Fair Use Policy)
  4. UNLIPADALA or SUPERUNLIPADALA transaction does not earn points.
  5. UNLIPADALA PACKAGES are priced as follows:
    – UNLIPADALA – P299 Valid for 3 months only
    – SUPERUNLIPADALA – P999 Valid for 12 months only
  6. Unlipadala or Super Unlipadala maybe transacted at any Metro Manila or Rizal branches.

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)