How to Turn Old Electronics into Personal Profit

You may have a few old electronics lying around at home. There may come a time when you’d have to dispose of them in order to declutter, but what fun would that be if you’re just going to do a simple spring cleaning, without getting anything in return? Such items may still have great value, thus, providing you with an opportunity to earn a little extra along the way. Here are just a few tips to turn your old electronics into personal profit:

1. Rent them out.

You’d be surprised at how many people would be willing to pay in order to experience that vintage feel. Still have an old video game console or VCR player in your storage? Dust them off, test if they still work, and offer to rent them out to anyone who still has their own separate game cartridges or video tapes. Still have an old working washing machine at home (replaced by a new model)? Rent them out to neighbors who would like to rest their hands from the strenuous feel of hand washing, in exchange for a comfortable weekend of soft hands. The possibilities are endless.

2. Have a garage sale.

If you don’t want to rent them out, you may sell them instead, thus, ridding you of all the clutter at home. Aside from the fact that you’ll be having more personal space, you’d also earn cash in return. Just make sure to check if all the old electronics you’re going to sell are still in great working condition. Refrigerators, toasters, tube TVs, pre-loved cellphones and gadgets, and even VCRs are a sure sell.

3. Pawn them off.

If you think that you’ll get a better deal from pawning them off, then feel free to visit your nearest pawnshop. The model, make, functionality, aesthetics, and working condition are indicators of their price. Of course, don’t expect them to be as high as their original market price, as they are indeed pre-loved and used. However, the more mint and high-quality the item still is (even after many years), the more amount that you’re bound to get in return. Take note that you’re really not getting rid of them, as pawned items may still be redeemed in the long run; you’re just in need of an extra income now, and once you finally get your footing, back then you may opt to redeem your pre-loved items.

With all of that being said, you may be looking for a trustworthy pawn shop that would provide you with the best service possible. You may also want to know the estimated return amount of your pawned gadgets and the possible requirements within the process. No worries, as Cebuana Lhuillier has got your back. With our Online Pawning Service, you would be able to get an estimate amount of your item’s worth via our appraisal calculator, know the valid IDs accepted in our transactions, and even have a general idea of the items we accept in our 2,200 branches in the Philippines. Feel free to explore our official Cebuana Lhuillier website now!

Cebuana Lhuillier Hong Kong Frequency Card Promo

  1. Cebuana Lhuillier Hong Kong (CLHK) Frequency Program is valid to all overseas Filipino workers (OFWs) sending remittance to PH with valid Hong Kong ID.
  2. The client shall present the frequency card for every Cash Remittance and RTA transaction availed at CLHK branch to earn a stamp.
  3. For each transaction of client, a Cebuana Lhuillier-branded merchandise will be given (1st – cardholder, 2nd – led key chain, 3rd – bag tag).
  4. Clients can avail the 50% OFF on remittance and RTA fees on their 4th To avail, client must present three (3) previous transaction receipts (within promo period) including the completed frequency card.
  5. If on the 4th transaction, client will send two (2) transactions, the 2nd transaction shall be charged accordingly.
  6. The cards are non-transferrable and only original frequency cards shall be accepted.
  7. Promo runs from May 01, 2018 to October 31, 2018, exclusive at Cebuana Lhuillier Hong Kong branch only and cannot be redeemed in conjunction with other promos or discounts.
  8. Cebuana Lhuillier employees and relatives within second degree of affinity or consanguinity are not allowed to participate in the program.

How Do Pawn Shops Determine Value?

Pawning off your pre-loved items would be beneficial, especially during times when you’d want to earn a few extra cash, or you have a sudden emergency to tend to financially. The most obvious intention when pawning an item would be to receive a great amount in return, regardless of need and purpose. This is just natural, as you’re about to surrender something which may have sentimental value for you. However, there are a few important factors to keep in mind, in terms of determining an item’s definite value. You may wonder: “How do pawnshops determine value?” Well, here are just a few indicators to look out for:

1. Market Research and Online Resources

If you think you’re the only one coming in prepared when pawning off an item, think again. Pawnshop representatives also do their own homework. There are many resources which the representatives may base their prices from. The most common spot to begin with would be from the internet, regardless of the item which you’re going to pawn off. Don’t be surprised to learn that the jewelry you’ve been keeping for a whole decade still has a recorded price online. Old items (especially valuable antiques and rare to find books) often have a price database, ready to be accessed by pawnshops.

2. Experienced Markups and Computations

They say that experience is the best teacher, and this is also true in the industry of pawning. Pawning is one profession that you can only master after many years of researching and dealing. It is already given that pawnbrokers are knowledgeable about prices, but the execution of haggling to give a win-win deal is something that only a highly-experienced person may be good at. Knowing all of this, they can determine how much they’ll be able to pay you in return without giving an impression that the whole deal was a 70/30 and not a 50/50.

3. Technical Features

Pawnshops usually base their pricing on the technical features of the items. Not to be confused with the literal components of electrical devices, the technical features of items may range from weight and quality (jewelries) to functionality and working condition (gadgets). Of course, if the items were to be auctioned off, they have to be in a good enough condition for the new owner to use.

With all of these being said, you may be looking for a pawn shop that would provide you with the most honest and highest appraisal possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,200 branches in the Philippines. Visit your nearest Cebuana Lhuillier branch now – we deliver a fast, easy and secure transaction.

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Tips for Filing a Successful Microinsurance Claim

Microinsurance can help you a lot in the long run. Regardless of your needs and sudden expenses, they may provide you with a well-needed cushion, especially in times of emergencies and calamities. Getting a very reliable microinsurance package is one thing, but filing a successful insurance claim afterwards is another. No need to worry, as we’ve enumerated a few tips in order for you to achieve a successful claim:

1. Be aware of your coverage.

Yes, you have a general idea of your microinsurance package, but have you read everything in the document and contract? Know the ins and outs of the paperwork, and never hesitate to ask and clarify anything written that isn’t clear to you. Ask which are included in your claim and which aren’t. Knowing all this would allow you to upgrade your coverage if you ever feel that it’s still lacking. It’s better to fix everything now than to realize that not everything will be covered later on. This would save you a lot of money and hassle.</span.

2. Study and review your microinsurance policy.

May it be your home, your vehicle, or your business, you must be aware of the policies that are included in your microinsurance. Doing so would reduce the amount of questions you’d have afterwards. You would also be aware of any possible loopholes or technicalities that may hinder your claim afterwards. This will also help you avoid any pitfall or wrong move which may deem your claim invalid.

3. Get professional help.

At the end of the day, insurance representatives are your allies. They would know every detail regarding the microinsurance itself, which is why you must inquire about all of the pre-requisites and documents which may come in handy later on. Ask them the things to avoid and the must-dos before, during, and after a life occurrence that may trigger you to avail the claim. Ask them too about the various ways which may possibly ease and speed up a microinsurance claim process.

4. Always keep a visual record of your properties.

Pictures speak a thousand words, they say. They may also help you with your microinsurance claim. It isn’t enough to keep a written inventory of your items, valuables, and properties; you also got to have a clear visual representation for each one. It would provide your chosen insurance company a clear evidence of your purpose for a claim application and, hopefully, convince them of an immediate action within the process.

5. Submit complete requirements.

We had mentioned this once already, and we shall mention them again. Prepare all the needed documents for your claim. Once complete, submit them all. The insurance representatives would definitely want to look into the whole situation and analyze your claim application. Giving them an incomplete set of documents would only delay and hinder your microinsurance claim, thus, lengthening the whole process.

With all of these in mind, you may definitely want to weigh in your options, analyzing which establishment would be best for availing a microinsurance premium and coverage. Look no further than Cebuana Lhuiller’s Microinsurance Services, affordable insurance products to help Filipinos avail of financial services and privileges that higher-income earners have easy access to, with innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position. Feel free to visit your nearest branch in the Philippines for more information.

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10 Ways to Prevent Car Theft

You finally bought your dream ride! Whether it’s an average family car or a shining-red race GT, you’re off to hit the road. You’re filled with happiness and pride, knowing that you can dazzle your family, friends, and loved ones with your new car. However, not everyone who’d catch a glimpse of your ride would have the best intentions in mind. Car theft isn’t a new occurrence in the Philippines. We’ve heard countless horror stories of masked men forcing vehicles away from their owners, either by threat of a weapon or quick successive strategies. You worry about your safety and the security of your very own vehicle. You ask, “How would I be able to avoid such incidences?” Well, look no further than our helpful tips:

1. Never leave your car unlocked.

The simplest rule is also one which is most taken for granted. Never linger too long when hopping in your ride. Be mindful of your surroundings and carefully yet hastily enter, remembering to lock your door before starting your car. The same thing applies when you’re about to leave your car in a parking lot. Check that all your doors are locked, and don’t forget to take the key with you.

2. Never leave your car running, especially while it is unattended or unlocked.

Don’t give car thieves a free pass. Aside from the fact that it’s a waste of gas, an unlocked and unattended running car would be an easy target for car thieves who are always on the lookout for an easy score.

3. Never leave an extra key near your vehicle.

It’s always great to be cautious, keeping a spare key nearby, just in case you lock yourself out of your car. That’s fine, until a car thief learns of its hiding place and gains access to your vehicle. Always be vigilant when keeping an extra key, hide it in the most unexpected and uninspected places, just well enough for you (and only you) to find it.

4. Never leave your windows open.

This is most applicable in the Philippines. Aside from the fact that it’ll attract quick handed thieves in snatching away any valuables inside your car, it would also be an easy access for car thieves with weapons. Just cool down with an air conditioner and be safe inside your

5. Park your car in a well-secured area.

It’s better to spend a little in a well-secured parking area than an open lot with no one guarding your ride. Paid parking has CCTVs and roving security guards, well-enough for your ride to be safe and unreachable to car thieves.

6. Invest on a reliable car security system.

Anti-theft alarms are practically built into modern cars, but there are still those which haven’t caught up with the times. In such case, be sure to have alarms installed in your ride for extra measure. It may seem costly at first, but that would be nothing compared to the huge expense of trying to buy a new car to replace one which was stolen.

7. Avoid detailing your travels via Social Media.

Car thieves may scout you out, depending on your destinations. And when it’s finally time for you to freshen up in a pit stop, they would grab the opportunity to steal your car from you. If you really can’t resist sharing your travels with your friends, then be sure at least to post your updates only after the whole trip, when your car is safely garaged at home.

8. Invest on a GPS tracking system.

An installed GPS would determine where the car thieves took your ride. Some would even provide accurate coordinates, well-enough for the police to catch up with the thieves.

9. Never leave any valuables in your ride.

Don’t make it a double feature in one day. It’s one thing to have your car stolen, but another to have your valuables stolen along with it. Take everything with you, especially important IDs and ATM cards. Most of the time, these thieves aren’t interested in the ride, but more in the valuables in it. Do not give them the satisfaction of stealing anything from you at all.

10. Always be alert.

Trust your instincts. Never settle for anything less than good security. Remember: you bought your very own ride with hard-earned money, never let it all go to waste. Be vigilant of your surroundings and be sure to report any suspicious loiterer around your ride.

With all of these in mind, you’re probably thinking of ways to secure your ride (and financials) better, especially when the unthinkable happens. Well surely, you’d go for a full-pledged service that has nothing but your best interest in mind. With that being said, nothing beats Cebuana Lhuillier’s AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we deliver a fast, easy and secure transaction.

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5 High Value Items You Can Pawn

Do you want to make a bit of cash but are already running out of ideas? Want to avoid the hassle of trying to open up a business or lining up for a loan? Well, why not try pawning out a few of your items at home. There are many things you can pawn – clothes, jewelries, and even appliances – but there are only a few particular items that would provide you with a great amount of return. Here are just a few of them:

1. Jewelry (in great condition)

Yes, the most obvious items to pawn are the ones that glitter. Seeing that this is the most go-to choice, you must not ignore the relevance of its condition. Remember, not everything that glitters is gold, so take note of the authenticity of your jewelry. Gold-plated ones would cost lower than those which are genuine. You have to look out for its weight, clarity, color, quality of craftsmanship, desirability, design, and present economic value in the market.

 2. Smartphones

One main thing to say about this is that the more recent its model, the higher the value. Of course, it has to be in good working condition as well. You’re not going to get a good return if it has dents or damage, so keep that in mind. You may also want to delete any stored number or media before pawning it off, for your own safety and privacy.

3. Laptops

Clearly, one of the most mobile and convenient gadgets to have around, laptops come in many models, makes, and even sizes (though they only vary by a few centimeters or inches). The factors to look out for when pawning off your laptop is similar to that of a smartphone: you have the quality, functionality, and physical condition. You must also delete any saved files, again, for your safety and privacy.

4. Gaming consoles

One person’s toy can be a valued item for another. Game consoles are now highly-valued in the market; hence, you can expect a great return as well. You also have the option to pawn it off with game CDs and cartridges—a nice little touch to earn a little extra.

5. Rare coins and antique items

Ask your grandparents for any item that they would allow you to pawn off. Surely, they would have a few unused antiques lying around. The price would vary, but the authenticity and aesthetics of the item would be a deciding factor for the amount. You may bring your grandparents with you; just so that you have backup when it’s time to haggle for a reasonable return/amount.

That being said, you may be looking for a pawn-shop that would provide you with the most honest return possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collateral-. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry with over 2,200 branches nationwide.

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Lhuillier named Sportsman of the Year by Cebu scribes

JEAN Henri Lhuillier, President and CEO of PJ Lhuillier Group of Companies, was awarded Sportsman of the Year in the 36th Sportswriters Association of Cebu Awards.

Lhuillier was recognized for his efforts in sports grassroots development and support to national teams in softball and tennis in the country.

“This is a recognition that I do not take lightly; it encourages me to continuously do my part in bringing glory to Philippine sports,” said Lhuillier, who is also the President of the Amateur Softball Association of the Philippines and the Unified Tennis Philippines.

Lhuillier addressed athletes and encouraged them to “dream big, to not be afraid to be great, to dare to do seemingly impossible things,” firmly believing that Filipinos have what it takes to be at par with the world’s best.

Lhuillier is the man behind emerging local tennis legends Treat Huey and Ruben Gonzales, who currently represent the Philippines in some of the world’s greatest tennis tournaments, including the 2016 Olympics.

The newly-minted Sportsman of the Year also inspired the successful run of the PH Blu Girls, the country’s National Women’s Softball team last year.

Resolute on his belief and support on the skills and hard work of Blu Girls, Lhuillier threw his support to the Blu Girls as they conquered softball powerhouses like Canada, China, Australia, Chinese Taipei and Mexico in the World Cup and Canada Cup 2017. This culminated with a silver finish at the Asian Women’s Softball tourney in Taiwan.

“I’m both elated and proud to tell you that our National Women’s Softball team, the Blu Girls, have a more than a decent chance of qualifying (for the 2020 Olympics). They showed tremendous competitiveness and fighting spirit during last year’s international competitions,” he said, vowing to give the Blu Girls all the support they need, while on their way to the 2020 Olympics.

 

Source: manilastandard.net

6 Signs You Need a Personal Loan

Trying to maintain a personal fund is not an easy task. You put all your energy to good use, day in and day out, yet, you still can’t seem to make ends meet. You let it all slide, thinking that things would turn out better in the long run—it may, but if you find yourself giving out more effort with less earnings in return, then it may be time to re-consider your options. It may finally be time for you to get a personal loan. Here are the things to watch out for:

1. Your earnings aren’t enough to cover your expenses.

If your debts outweigh your savings, then it may very well be the perfect opportunity for you to get a personal loan. Not only would you be able to pay your debt, you’d also be given the chance to freshen up your savings.

2. You can’t go on a vacation without spending your savings.

What’s another red flag to help you change your mind? Times when you need to loosen up and want to visit the white sandy beaches, but you can’t as it would deduct from your savings. Don’t reach for your hard-earned money. Instead, get a personal loan to make up for those dream vacation expenditures.

3. You can’t afford to pay for your medical bills.

Accidents happen, and you definitely want to prepare for any emergency situation. Low salary and high cost of living are two factors keeping you from starting up your emergency funds, hence are great reasons to apply for a personal loan. It’ll cover your expenses when you need it most.

4. You can’t move to a much affordable alternative.

Believe it or not, moving from one place to another is expensive. Think about it, you’ve been renting a place for many years, you decide to move and rent a much affordable space, yet, you have to keep in mind that not all rent spaces have readily available utility lines (phone, internet, cable television, etc.) so you’d have to spend extra for the processing of your lines. You’d also have to pay the movers. The expenditures are endless.

5. You can’t make home improvements.

Broken faucet? Expenditure. Cracked paint? Expenditure. Linoleum for your floor? Expenditure. Moving in a new space and fixing the broken things that the former tenant left behind is no joke as well. Home improvement materials aren’t cheap, and the more you’d have to fix, the more you’d have to spend. Did we mention that such concerns aren’t just encountered in new homes? If you own or have been renting a place for a while, it would still need care and maintenance, something that a personal loan would be good for.

6. You can’t pay for your own car’s maintenance.

You had the cash to buy yourself a ride, a good choice as you wouldn’t need to spend for commute anymore. In such case, there are also disadvantages – the gasoline prices and the maintenance repairs. If a certain engine sound may be bothering you, you may need to take your car to the mechanic. That doesn’t come cheap, so instead of using up your money for repairs, your personal loan may help keep the level of expenses at bay.

Overall, there are other countless red flags to look out for. May it be with your needs or wants; you’ll know when it’s time to make a wise decision. When the going gets rough and you’re in need of a quick financial fix, don’t hesitate to approach a well-trusted institution who’ll lead you towards a great opportunity. Never even hesitate to apply for a personal loan. If it’ll help with your current financial situation, then go for it!

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4 Surefire Ways to Get Your Small Business Loan Approved

Starting a business in the Philippines is never easy. You may have the knowledge and the skills, but as with all things, there will always be a first time. You may even need to re-consider your own funds, your own capital, just to start up your dream venture. In such case, you need to approach a bank or an institution that would be able to lend you the right amount to start your small business. You may be unsure of the dos and don’ts, but definitely want your application to be approved on your very first attempt. No worries, as we’ve listed down four (4) surefire ways to get your small business loan approved.

1. Consider all your options.

It is always a must to understand the different types of small business loans available. Yes, you’ve read that right. There are actually different types to choose from, and it would be in your best interest to decide on one which would greatly work for you. You have the small business line of credit, the accounts receivable financing, the working capital loans, the small business term loans, the SBA small business loans, the equipment loans, and the small business credit cards. Knowing them would provide you with a general idea of how to best prepare the required documents, thus, pushing you closer to a well-needed approval. Each has their own underlying policies and regulations, so feel free to discuss them with your bank or lending institution.

2. Take note of your own credit history (then fix everything).

Your reputation will always precede you, which means that the lenders are going to do their own research during the duration of the loan application. Regardless of business size, if you have a negative record on your past credits, they may hesitate to approve your needed amount. Make sure to settle everything before submitting your papers to avoid such obstacles along the way. They would usually review your credit score/credit report, assets in the business, investors in the company, and financial statements, just to name a few.

3. Prepare the various requirements for your small business loan application.

Always remember that it’s important to be prepared and organized. Just like any other school examinations, doing your homework and reviewing your papers (in this case, your business documents) will give off an impression that you are very serious about the whole deal, and that is a big indicator for lenders to entrust you with their money.

4. Be clear about the amount that you want to borrow.

A small business would not require a big income, depending on the type of service and product that you would like to offer. List down all of your possible expenses along the way and let your lenders know that you are knowledgeable about the ins and outs of your chosen venture. Perhaps prepare a few documents showcasing your ideas, so that they may also provide a realistic rundown of the amount, a capital that both you and the lender would be able to agree on.

Get a jumpstart on your business venture with a trusted name that offers only the best service possible. If you’re a residence of Laguna and Southern Metro Manila, then Cebuana Lhuillier’s Lucky Loan is definitely your top choice. It is a multi-purpose loan offered to registered entities such as tricycle operators, credit cooperatives and other groups, as well as SMEs such as restaurant and mini groceries, among other businesses. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application-to-disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now—we assure a fast, easy and secure transaction.

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Top 10 Causes of Car Accidents in the Philippines

top-causes-car-accidents-philippines
 

Traffic, traffic, and more traffic. Isn’t it stressful enough to be stuck in traffic for hours, not knowing what time you’ll get to work, or worse, if you’ll even get to work on time. Yes, it’s frustrating at times, which is why some  drivers tend to get very decisive and creative on the road, so much so that it poses a definite risk to fellow drivers. You’re probably wondering what these risks are and how to best avoid them when driving. No worries, as we’ve listed 10 of them:

1. Driving while texting

Recent changes to Philippine law resulted to the apprehension of countless offenders in this category, proving two main things: a) We still hold the title for the top “text messengers” in the world and b) We are still as hard-headed as ever. This particular law and implementations have been announced on TV, with traffic enforcers using various CCTVs to check on possible law breakers.

2. Drunk driving

After a night of partying, one should decide to call it a night and commute home (you may even ask friends to help drop you off at home, if necessary). Doing so would ensure that you don’t cause harm to other drivers and pedestrians. On the other hand, if you’re the one witnessing a drunk driver on the road, keep your distance as the swerves and unexpected turns may catch you off guard.

3. Over speeding

If your job usually involves you driving a heavy vehicle such as a truck or bus, it would be best to avoid over speeding. It may cause you to lose your breaks and end up ramming the vehicle in front of you. Always drive within the reasonable limit, just to be safe.

4. Mechanical flaw

Sometimes, it really isn’t your fault, or at least not directly. If your ride isn’t maintained well, your breaks, your tires, and even your engine may give out, causing a very dangerous situation on the road. Have your vehicle regularly checked to maintain its good working condition.

5. Overtaking

If a particular driver were to commit this, he may trigger two things: a) a major accident and b) the ire of his fellow drivers. Everyone seems to be in a hurry nowadays, so much that traffic rules are regularly broken, with this as the common crime. Always remember, being safe is better than being fast.

6. Jaywalking

This is defined as “an act that occurs when a pedestrian walks in or crosses a roadway illegally.” If a jaywalker appears out of nowhere, the incoming vehicle would do its best to avoid hitting the bystander, thus, hitting other cars in the process. Being a responsible pedestrian is as good as being a responsible driver.

7. Turning without signaling

Always make sure to turn your signal lights on when making a turn. This would not only inform other drivers of your next move. It would also give them ample time to adjust their speed and direction, well enough to avoid any mishaps on the road.

8. Backing up inattentively

Be aware of your surroundings and always look at your mirrors as well. The common victims of this mistake are children and domestic animals, those of which would walk across the road or pathway once a car had already passed, not knowing that the said vehicle would back up.

9. Slippery roads

A particular occurrence during rainy season, slippery roads are hazardous to both bystanders and drivers alike. They usually cause the driver to lose control of their vehicle, especially on a very stormy evening when it’s dark and there is almost no traction between the road and the car tires. Maintaining a reasonable speed would help avoid accidents during this particular condition.

10. Reckless driving

It is neither Mother Nature nor mechanical flaw at fault here. It is merely human error, one that is done intentionally. A combination of two or three causes mentioned in this list alone would determine if a person is definitely a reckless driver. One should avoid being one and instead, respect traffic laws. Not only would you save yourself from risk, it would also save you from big expenses in the end. If you happen to encounter one on the road, keep your distance, be cool, and know that such person would be apprehended by the law, sooner or later.

With all of these in mind, you would definitely want to insure your own vehicle, just to avoid the big expenses caused by unforeseen road accidents; however, you’re not sure where to purchase one. At Cebuana Lhuillier, we offer the AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now—we assure a fast, easy and secure transaction.

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  • 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)