Cebuana Lhuillier Bank

Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000.00

Jewelry Pledge Loan

Strengthening our ties with our own pawnshop business, we accept jewelry with a minimum value of Php 20,000 to serve as collateral for a client’s loan. This kind of loan has an interest rate of 3% per month.

Auto Loan

Through a financing tie-up with FOTON, we offer fast, easy, and convenient arrangement terms for your car purchase.

Microfinance Loans

These are loans offered to microentrepreneurs to help augment their income, improve their livelihood, and uplift their living conditions. With flexible payment terms, our microfinance loan provides limitless possibilities for every client’s business needs.

Housing Loan

This is a type of loan that gives clients with one of the highest housing loan amounts in the industry, coupled with one of the lowest interest rates. With real estate collateral, such as lots, this type of loan can be availed for housing and house improvement needs.

Agricultural Loan

Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.

Employee Salary Loan

To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group of Companies nationwide.

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Certificate of Time Deposits

This is a 30-day to one-year term deposit that offers high interest earning potential.  It assures clients of interest earnings for as long as the deposit remains in the bank throughout the agreed term.

We allow a client’s interest to be withdrawn or deposited to a savings account every month or at the end of the term depending on the depositor’s instruction.

Five-Year Term Time Deposits

This is a tax-free time deposit account with a five-year term. Interest may also be drawn every month or as the depositor wishes (every quarter, every year, at the end of the term or deposited to the depositor’s savings account).

Special Savings Deposits

This is a term deposit savings account that offers premium rates with flexible maturity period. This kind of deposit comes with a passbook for ease of recordkeeping and monitoring of account transactions.

Regular Savings Deposits

This is a regular passbook-based savings account that can be withdrawn from anytime. This type of account earns an interest of 1% per annum.

Regular Demand Deposits

This is a non-interest checking account with a low maintaining balance requirement.

We require clients to shell out an initial deposit of Php 5,000 and maintain a Php 2,000 balance to avail this type of account.

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To provide better, secure and convenient electronic service, e-Money has been developed  and is being used as virtual cash featured by Cebuana Lhuillier. If you have a 24k Plus card, you can enroll for an e-Money account in any  Cebuana Lhuillier branch. Once enrolled, you can load your account with e-Money by purchasing it  in the branch.E-Money can be used to transact via SMS or through our online portal  You may use your e-Money for the following transactions:

  • Remit money
  • Buy eLoad
  • Renew pawning

You can transact via e-Money through these steps:

To send via

  • Log in to 24k Online Client Portal
  • Go to the e-Money module and fill in the required information

To send via SMS:

  • In the client’s mobile, type CEBUANA ESEND BeneficiaryLastName/BeneficiaryFirstName/Amount/PIN Code then send to the ASSIGNED NUMBER

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160 Zapote Road, Bacoor Cavite
Telefax: (046) 417-3366
Tel. Nos. : (02) 473-6002 / (02) 227-3270


Brgy. Tanagan Calatagan Batangas
Tel. Nos. : (043) 302-2262 / (0922) 832-6568

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Remedios Pornellosa

Remedios Pornillosa wanted to expand her business, but, her age prevented her from applying for a loan from other banks. With Cebuana Lhuillier Bank, she was able to apply for a loan worth P6,208 with initial savings of P1440. Her business grew and she was able to loan P25,000 for the fifth time. She used the money to buy an additional freezer. She took advantage of the El Nino and sold ice and ice water. Ice and Ice water gave her additional P300-400 in sales. The profits she gained helps her and her family pay for their different bills and weekly amortizations. Through her added income, she was also able to send her son to college again. Her son stopped going to school due to financial setbacks.
Remedios has been a Microfinance member since September 1, 2008 and a former client of the Micro MABS, where she was able to apply for a two-cycle loan worth P150,000. She is a loyal customer of Cebuana Lhuiller Pawnshop and Pera Padala.

Reynaldo Saquilayan

Reynaldo Saquilayan spent 20 years as an Air Traffic Controller in Dubai. He was able to save enough money to buy several properties in the country. He had no steady source of income when he retired. He returned to the Philippines with the intention of constructing a commercial building; but, his money was not enough. He applied for a loan in Cebuana Lhuillier Bank.
To this day, Reynaldo is thankful to CLB for providing him the means to build his five-door commercial building, which he rents out businesses. With Cebuana Lhuillier Bank, Reynaldo now has a stable source of income in his retirement age.

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