Pawning 101: Everything you Need to Know Before Buying Jewelry at a Pawnshop

Pawnshops are places where you can loan cash in exchange for your jewelry. Sometimes, a person can’t get back their pawned jewelry because they can’t pay what they owe. These pieces will be sold to people who want to buy gold rings or necklaces at more affordable prices.

If you don’t have an issue of buying used jewelry, you can readily buy them at any pawnshop at your convenience.

WHAT CAN YOU FIND IN A PAWNSHOP?

If you’re looking to find some jewelry for yourself, but without spending so much cash, consider going to a pawnshop.

You’ll definitely find an array of vintage jewelry and hard-to-find pieces, often bequeathed to parent to child. There are jewelries bought from different countries, such as the Middle East, which travelers pawn or sell to pawnshops in exchange for cash.

Most pawnshops, if not all, only accept gold jewelry, but others can also accept silver, platinum, and other precious metals. These should be in good condition: no damage, no chipped stones, no missing pieces. They assess the price according to the weight and size, if it’s in mint condition or if it has damages.

But how do you know if the pawnshop you’re dealing with is legitimate and trustworthy? Here are five tips to ensure that you get the best price for the jewelry you’ve chosen.

TIP 1: Shop Around and Negotiate

The value of gold jewelry varies from pawnshop to pawnshop, so feel free to go around and see how much you can get for your ring. Of course, take note that because these pieces are more often than not one-of-a-kind, you might not find the same ring you’ll see in one pawnshop. Unless you trust the pawnshop due to your previous transactions, don’t settle with one. Until you find your dream ring, keep searching.

You can also talk to friends who have experienced buying from a pawnshop, or look around the internet for testimonials for the pawnshops you’d like to talk to. Take note of the positive and negative reviews on Facebook Pages, if they have, or check forums where people tell their stories about buying pawned items.

If you have a friend with a jeweler’s eye, bring them along, too. You’ll need all the help you can get to avoid getting a bad deal.

TIP 2: Test the Jewelry

When you’ve found the ring of your choice, ask the pawn broker to apply an acid solution to determine if your gold is indeed pure or if it has impurities (stainless steel may be sold as white gold if you’re not careful).

You can also see if the precious stone on the ring is authentic or a synthetic duplicate. For example, if you’re looking at a ruby-encrusted ring, you can check its brightness. It should look like a red-colored traffic light. If it’s much darker, it could be garnet. If it isn’t bright, it could be fake.

The best way to test the authenticity of precious stones is by scratching it with your fingernail or a coin. If you can scratch it, then it’s fake. Only diamonds can scratch a real ruby, emerald, or sapphire.

TIP 3: Check the Price

Upon testing the authenticity of your jewelry, check the price. Usually, there are price tags accompanying the jewelry pieces, but if they don’t, better be careful. They could raise the price, especially if you tell them what your budget is.

TIP 4: Read the Fine Print

Some pawnshops require you to sign a legal document, saying that what you’ve bought is authentic and that there is no return or refund policy. Read the policies carefully before making a commitment and spending your money. This document is to protect both you and the pawnshop from any unlikely event.

Buying jewelry from a pawnshop is always an adventure, so be sure to prepare in advance. Always do your research before going into pawnshops, and always choose to negotiate with notable ones, like Cebuana Lhuillier.

No matter how excited you are, it’s always good to have a skeptic mind before finally choosing your jewelry of choice. Be sure to have your jewelry scaled, tested, and appraised. You need to do this because you want value for your money.

With these in mind, the next time you want to add a unique piece of jewelry to your collection, you can buy from a pawnshop with ease and confidence.

Get FREE TICKETS to Cebuana Lhuillier’s “Thank You for 30!” Anniversary Concert series!

Ka-Cebuana! Come and celebrate our 30th year with us with our grandest concert series yet FOR FREE!

HOW DO I GET MY FREE TICKET?

  1.  Pawning (for new clients and renewal)
  2.  Happy Loan application
  3.  Gadget Loan application
  4.  Domestic remittance
  5.  Purchase ACP GoldClients can now avail as many tickets as they want.

WHERE CAN I GET MY FREE TICKETS?

Click HERE to see the list of participating Cebuana Lhuillier branches (select branches).

HOW DO I QUALIFY?

  1. All new pawning and renewal clients will receive a free ticket. Minimum principal amount is at least P4,000.
  2. Special privileges will be given to clients with the following principal amounts:
  • 50,000 – 99,999 – 2 VIP/Patron tickets or 4 Lower box / ringside tickets
  • 100,000 above – 4 VIP/Patron tickets or 8 Lower box / ringside tickets
[table “” not found /]

I HAVE APPLIED FOR A HAPPY LOAN. HOW DO I QUALIFY?

Each successful Happy Loan entitled to 1 VIP/Patron ticket or multiple lower box, ringside, upper box, gen ad tickets.
[table “” not found /]

I HAVE APPLIED FOR A GADGET LOAN. HOW DO I QUALIFY?

Each successful Gadget Loan is entitled to 1 free ticket depending on the amount of the acceptance rate.
[table “” not found /]

I AM BASED IN THE PHILIPPINES AND I SEND MONEY TO MY FRIENDS AND FAMILY IN THE COUNTRY. HOW DO I QUALIFY?

  1. All Cebuana Lhuillier domestic remittance clients in participating branches are qualified to join the promo.
  2. Clients may avail of 1 Gen Ad ticket for 1 sending transaction worth at least P3,000.
  3. Each who wants to avail of ringside, lower box or upper box tickets must do multiple sending transactions worth at least P3,000 during the promo duration.
  4. Clients must show the Pera Padala forms to branch personnel to avail of the ticket. Forms must indicate the same sender.
[table “” not found /]

HOW MANY ACP GOLD CERTIFICATES DO I NEED TO BUY IN ORDER TO QUALIFY?

Clients must buy multiple ACP Gold policies to avail of 1 free ticket.
[table “” not found /]

Cebuana Lhuillier bags eight trophies at 52nd Anvil Awards

Makati Shangri-la, Makati City Cebuana Lhuillier took home a staggering eight trophies at the recent 52nd Anvil Awards held last March 10 in Makati City.

The company received the Gold Anvil for the Isang Bangka Campaign (Public Relations Programs Directed at Specific Stakeholders – Internal Employees, Shareholders), Cebuana Lhuillier Disaster Resilience Program (Public Relations Programs Directed at Specific Stakeholders – External Consumers, Communities, Special Interest/Advocacy Groups) and Cebuana Lhuillier Sports (Public Relations Program on a Sustained Basis – Sports & Wellness).

Five Silver Anvil Awards were also given to Cebuana Lhuillier Disaster Resilience Forum and Campaign, National Pilipino Protektado Day, Cebuana Lhuillier Facebook Page, and Cebuana Lhuillier: The History and Legacy Coffee Table Book in various categories.

The Anvil Awards, hailed as the Oscars of public relations in the Philippines, is the most-coveted honor for the top public relations programs and tools in the country since 1963. Organized annually by the Public Relations Society of the Philippines (PRSP), the Anvil is screened and selected by a multi-sectoral jury. Winners from each category are chosen from out of the hundreds of entries submitted.

Cebuana Lhuillier signs partnership with Cebu Pacific and Robinsons Land

Customers can now pay Cebu Pacific Air fares and Robinsons Land monthly amortization in any of the over 2,000 branches of Cebuana Lhuillier nationwide. The partnership between the country’s largest microfinancial company and two of the biggest subsidiary companies of JG Summit adds Cebu Pacific Air and Robinsons Land as part of Cebuana Lhuillier’s bills payment services, further expanding its growing list of offerings in its branches.

“We’re more than happy to expand our network of partners for bills payment to include Cebu Pacific Air and Robinsons Land, which are also two of the leading brands in their respective industries. These companies align well with the mission of Cebuana Lhuillier to give more Filipinos convenient access to financial solutions, so we look forward to extending our services to their pool of clients,” Cebuana Lhuillier President and CEO Jean Henri Lhuillier said during the official agreement signing event.

 

For Cebu Pacific airfare payments, Cebuana Lhuillier offers a 24-hour reservation period—the longest in all of Cebu Pacific payment options—in settling flight bookings. There are no extra charges for tickets paid through Cebuana Lhuillier branches.

Likewise, property owners of Robinsons Land can pay their monthly amortization at any Cebuana Lhuillier branch located across the country.

“With Cebuana Lhuillier, we felt that our need for a payment center that is easily accessible, equipped with the proper technology, and offers excellent customer service has been fulfilled. This is our way of offering more options and convenience to our clients. I am positive that our partnership will serve each of our customers better,” President and Chief Operating Officer of JG Summit Holdings Corp. Lance Gokongwei said.

Also present during the signing were Cebuana Lhuillier ChairmanAmbassador Philippe Jones Lhuillier; Cebuana Lhuillier Services Corp. Senior Executive Vice President Philippe Andre D. Lhuillier; Cebuana LhuillierGeneral Manager Hamilton Angluben; Robinsons LandCorporationPresident and CEOFrederick Go; and Robinsons Land Corporation Chief Financial Officer Kerwin Tan.

“Thank you for 30!”, the Cebuana Lhuillier Anniversary Concert series

Join us for our biggest and grandest showcase yet! Learn about it on May 1!

Tips on How to Cut Your car Insurance Cost

Having a car insurance in the Philippines, while it helps minimize damage costs in the event of an accident, can be a pain to renew every year or so. The influx of vehicles coming in the country and with many people able to buy a car nowadays, it looks like insurance companies won’t lower their policy costs anytime soon.

But you, the responsible car owner, can avoid having to pay so much for premiums and heavy renewal costs. Here are some tips to cut insurance costs for you and your family.

1. Take a defensive driving course—Taking a defensive driving course can help you prevent an accident and incur higher premiums in your next insurance renewal. With a defensive driving course, you are able to save your own life and the lives of others, as well as your time, energy, and money on the road.

2. Look for better insurance policies—if you’re not happy with your current car insurance, you can always shop around for policies with better or more significant coverage for your cars. You can do this every few years, just so you get your money’s worth from a lower rate compared to your current car insurance. However, it’s always best to select based on research of other people’s experience with an insurance company.

3. Choose a car wisely—If you can afford a luxury vehicle, you should be able to afford the insurance price tag that comes along with it. In the same light, choose A car that’s fit for your needs, budget, and lifestyle.

4. Drop unnecessary coverage—When you’re looking for a better insurance policy, you might want to check what they’re offering. Are you paying for what you only need, or are you paying so much for coverage you might not need at all? For example, if you live in an in an area that doesn’t flood and familiar with zones that do flood during the rainy season, do you really need “acts of God” coverage? Think well.

These tips can help you choose and maximize your car insurance and minimize spending while you’re on the road.

Tips in choosing the right Bank for Your Savings Account

A smart way to keep your finances in check is to choose the right bank for your savings account. While all banks have great benefits for their clients, it is up to you to see which bank can give you the best service for your needs. Those are up to you, but this list can help you zero in on the perfect bank for your needs.

Goal for Your Savings Account: What exactly do you want to achieve when you open a savings account? Your goal will affect your choices for your savings account.

Think very well. Are you saving up for a car, for further studies, or for a vacation of a lifetime? Will this be one of your many active savings accounts? When you find out what you want for your savings account, you might have an easier time focusing on a bank that can help you maximize your money.

Type of Savings Account: Generally, there are two kinds of savings accounts: an ATM (Automatic Teller Machine) account and a Passbook savings account. An ATM account allows you to withdraw money with a card through an ATM. A passbook savings account, on the other hand, comes with a booklet that records your bank transactions.

The ATM savings account has more flexibility than a passbook account, but the latter is better for those who prefer traditional banking than having an ATM card with them. ATM accounts are best if you’re just starting out in your financial journey and you don’t have enough money for a high maintaining balance, because to maintain a passbook account, you need to have a maintaining balance of P10,000.

Initial Deposit: To open a savings account, you need to give your initial deposit. Again, it depends from bank to bank, and from savings account to savings account. Some banks require you to give an initial deposit of P100 in order to open a basic savings account. When you’re more financially stable, you can open a bigger savings account with an additional deposit of P500.

Interest Rates: In the Philippines, banks have interest rates for savings account holders. Interest rates do vary from bank to bank; some banks give higher interest rates than others. As most experienced investors would say, the higher the interest rate, the better.

Even if your money is safe in your account, the interest rate enables your money to grow. Depending on your bank and savings account type, you’re required to have a certain amount to earn interest. It’s best to call up the bank or banks you prefer to know how much your savings invest every year, and how much the interest rates are.

Maintaining Balance: There are reasons why some savings accounts have maintaining balance, while others don’t. Some account types have minimal maintaining balance, around P500, and it’s good for people who regularly withdraw money. If you don’t maintain your balance within 30 days, your savings account may close and you cannot withdraw the remaining money in that account.

Access to Bank: There are many banks today that have 24/7 ATM services all across Metro Manila and major cities across the country, so it shouldn’t be so hard for you to check your balance through an ATM. Many commercial banks now offer mobile and internet banking, so if you’re in Hong Kong and you want to know if your client has given your commission for a piece of work you’ve done for them, you can check any time of the day.

Passbook account holders cannot use an ATM, unless they also have an ATM card, but they can check their account through the internet as well.

ATM Transaction Fees: As much as possible, transact with your bank. When you use another ATM for your card (ex. You have one ATM card that you’re using through another bank’s ATM), you could get a minimum charge for using that machine. Some ATMs charge cards from the same bank service charge, while some don’t. It also depends on the type of ATM savings account you have, and what kind of transaction you do.

Customer Service: Some banks excel in serving their clients both online and in the branch. You’ll notice that they use social networking sites like Facebook and Twitter to talk to you and tend to your needs. If you’re looking for fast lines and compassionate tellers, make sure you try out two to three banks before finally choosing one you want to trust your savings with.

To be financially healthy means you have to make the right choices so that you won’t add any more expenses. Your banking experience should be easy and fruitful. When you choose the right bank for your savings account, you’ll have more peace of mind.

Personal Loan 101: Documents You Need in Order to Secure a Personal Loan

A personal loan is money borrowed from an individual or a financial organization. People who apply for loans usually use them to pay for trips abroad, move from one place to another, or apply for a short course.

When you apply for a personal loan, you need to stop thinking that it’s difficult to get one. If you’re still unsure, you can read up on articles on the internet that can guide you throughout the loan acquisition process. Sites like Investopedia, The Balance, and Wall Street Journal can help you at different stages of your financial life. These sites also provide the basics on getting a personal loan, which are general and applicable in any location.

After reading different articles, and you’ve finally decided to get a personal loan, you now have to prepare several forms. Lending organizations need these documents and forms to verify your identity and your financial standing.

Most banks have an age requirement and minimum annual salary. At most, you must be 21 years of age and not older than 65 at the time of enrolling. Your minimum annual basic salary should be PhP180,000, or a basic monthly salary of PhP15,000.

In whatever way you get your loan, you will need the following documents:

• Government-issued photo-bearing ID (Passport, Driver’s License, SSS, PRC, etc.)
• Original pay slip and/or Latest Income Tax Return with BIR or Bank stamp (BIR Form 2316)

If you’re self-employed, you may still get a personal loan. All you have to do is submit 2 government IDs.

Other banks or money-lending institutions will want more documents to verify your identity and your financial stability. These may include:

• Your birth certificate
• Utility bills—phone, water, or electric bills that state your name and address
• Credit card and loan statements from your current loan accounts

You’ll also need to fill up a personal loan application form and submit that along with the rest of your requirements.

These requirements are important for you to get a loan. Collaboration is key. Talk to your HR Department to get your ITR Form and copies of your pay slip.

If you’re self-employed, you can call up BIR and ask for your latest ITR. Acquire the needed IDs and update your personal profile if needed. Talk to the lending organization what other documents you need to submit to further organize all your requirements.

It’s important that you organize your requirements to avoid wasting time and energy to get a personal loan. Create a good relationship with your preferred lending organization so that it could be possible for you to have a faster time in getting your loan.

Make sure you are tenured in your job, or that your self-employment has stable commissions. Finally, whether or not you’re making loans in the future, make several copies of the requirements you’ve collected to ensure you don’t have to go through another process of getting them again.

How to Manage Your Finances

The road to financial freedom can be difficult to follow through, but once you have a system of budgeting your income, you’ll achieve prosperity that will last even beyond this year. All you have to do is prepare categories for saving and spending your money.

Creating a system is often the solution when you have a hard time organizing your finances. And it doesn’t have to be complicated at all. Think of it as having several jars that serve different purposes, but instead you can have a cash box, a few savings accounts, a checking account, and one jar or two for emergency cash. However you want to do it, your goal for each “fund” should be to manage them carefully so that you don’t need to live from paycheck to paycheck.

How do you manage your finances? Here are a few suggestions.

Everyday money fund: This covers your daily expenses and monthly utilities. Think of rent, groceries, utilities, travel allowance, and other necessary expenses to get you through the day. Ideally, around 40-55% of what you earn should go here.

Golden Goose fund: Never spend anything in your “Golden Goose.” This is for your investments and passive income. Never spend what you put, just the investments. Here, put in 10-15% of what you earn.

Long-term fund: This fund is reserved for big-ticket purchases, like your dream home. If you have children or expecting, you’d definitely want to bring them to the best schools out there. This is where your long-term savings come in. Your long-term goals should go beyond five years, and within that time frame, you cannot spend any money you put in here. Put in 10-15% of what you earn.

Recreational fund: Rewarding yourself is key to being consistent with this practice. You most likely have a hobby like collecting shoes or action figures. Maybe as a family, you eat in a fine-dining restaurant once a month or even go on mini vacations. Whatever you want to do every month, you can use what you saved here and enjoy the bite-sized fruits of your labor. Put in 15% of what you earn.

Emergency fund: Whether you like it or not, having emergency cash will come in handy when you or someone in your family has rainy days. Whatever the situation is, you will need to set aside some funds just in case. The rule of thumb here is that it needs to sustain your day-to-day expenses for approximately 6 months. Put in at least 10% of what you earn. Once this fund is fulfilled, feel free to add on the extra 10% where you wish it’s most needed next.

Financial preparation boils down to knowing where to put your money and how you spend it. With this these practices, you’ll never be broke again!

CTPL Insurance: What is it and Why it is Important

Does it sound strange that you need to get two insurance products for your vehicle? Aren’t they all the same? Think about it. The government is mandated provides its own public insurance policies—Social Security System (SSS) for private employees and the Government Service Insurance System (GSIS) for government employees.

For some citizens, they still enroll in insurance products given by private companies. With two insurance policies, their lives and health are secure.

It’s the same for your vehicle. While you can apply for a comprehensive car insurance, you are required to apply for the Compulsory Third Party Liability insurance, or CTPL. Many experienced car owners are familiar with the CTPL, but for the new car buyer, what can you expect with this mandatory insurance policy?

Compulsory Third Party Liability (CTPL) is also known as compulsory motor vehicle liability insurance. It protects the owner of the vehicle from financial obligations to anyone who is injured or killed by the insured vehicle. Owners of cars and motorcycles are required to get this coverage before they register their vehicle to the Land Transportation Office (LTO).

Before you get a CTPL, you need to know the fundamentals of this insurance. This includes a couple of misconceptions.

One misconception is that the CTPL covers the driver of the insured vehicle. The CTPL only covers third parties, and that does not include the driver. Third parties mean anyone aside from a passenger who is not a member of the insured’s family or employee.

A CTPL is different from a comprehensive car insurance, and some owners think that this can substitute what a car insurance offers. A comprehensive car insurance offers more coverage than a CTPL, and covers the following: loss and/or damage of vehicle, excess bodily injury, property damage, no-fault indemnity cover, and auto passenger personal accident.

With this said, you can get a CTPL insurance from any licensed nonlife insurance provider. CTPL insurance rates from different providers do not differ so much from one another.

The CTPL insurance isn’t that expensive, compared to the problems you might face on the road. If you plan to get a one-year coverage, you’ll need to pay PhP560.00 for private cars and PhP250.00 for motorcycles. If you opt for a three-year coverage, private cars can pay PhP1,610.00 and motorcycles PhP720.00.

The CTPL only covers injury or death of a third party. It does not cover the damages of the insured vehicle and the driver, or any damages to the property of the third party.

With the CTPL, the insurance company agrees to pay for a third party’s hospitalization, bodily injury, or death in a vehicle-related accident. They, however, do not pay for loss or damage of property.

Even with the CTPL policy, you still have to be a responsible motorist. Keep calm and make sure to read the fine print. In the event of an accident, call the police for an investigation, or settle matters with the parties affected. Make sure you have photos taken during the accident (but you don’t need to post it on social media).

Remember: Driving on the road without CTPL is considered unlawful in the country, so you are required to get one when you get a new car.

In the end, the CTPL complements your existing comprehensive car insurance that it protects other people inculcating massive expenses over a car accident. It pays to spend a little more to protect yourself, your vehicle, and other people. With two car insurance policies in your glove compartment, you should always remember to be more responsible on the road.

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)