Cebuana Lhuillier Bank

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

Home Loan

Now you can afford that dream house with our Home Loan.

Loan up to 80 percent of the property’s value. For example, for a Php 1,000,000 house and lot, you can get up to Php800,000, and  pay as low as Php11,750 per month with a repayment period of 15 years.

Home to Cash Loan

Rebuilding your home? Get the cash you need by using your home as collateral!

Loan up to 40 percent of your property’s value. For example, if you have a Php 1,000,000 property, you can loan up to Php 400,000, and pay as low as Php 14, 603 per month for 36 months.

Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value.

For a Php 400,000 vehicle, we can finance up to Php 240,000! Pay as low as P8,600 per month in 36 installments!

Tsikot to Cash Loan

Need funds to fix your car? Then use it as collateral for your car loan!

If your car is five years or below, you can loan for as much as 40 percent of its value. For example, for a P400,000 vehicle value, you can loan up to P160,000 where you can pay P14,822 per month in 12 installments.

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.

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.

Microfinance Loan

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.

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We allow a client’s interest to be withdrawn or deposited to a savings account every month or at the end of the term depending on the depositor’s instruction.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

Amount Interest
100,000 up to 999,999 2% Net
1Mn up to 9,999,999 2.5% Net
10Mn & up 3% Net

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.

Interest rates (Gross) per annum:

Amount 30 days 90 days 1 year
10,000 – 49,999 0.750% 0.825% 1.250%
50,000 – 99,999 0.750% 0.825% 1.250%
100,000 – 199,999 1.000% 1.500% 2.500%
200,000 – 499,999 1.125% 1.500% 2.500%
500,000 – 999,999 1.500% 2.000% 3.000%
1,000,000 – 2,999,999 1.500% 2.500% 3.250%
3,000,000 – 4,999,999 1.500% 2.500% 3.250%
5,000,000 – 9,999,999 1.500% 2.500% 3.250%
10M and up 2.000% 2.500% 4.500%

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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An interest bearing deposit product with low initial deposit and has no maintaining balance. It is owned by Cebuana Lhuillier Rural Bank and is being carried by Cebuana Lhuillier Pawnshop as its cash agent. Cebuana Lhuillier Micro Savings is currently available in close to 2,500 branches nationwide and can be availed using 24k Plus Card.
To know more about the Microsavings product click here

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To provide better, secure and convenient electronic service, eCMoney 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 eCMoney account in any  Cebuana Lhuillier branch. Once enrolled, you can load your account with eCMoney by purchasing it  in the branch.eCMoney can be used to transact via SMS or through our online portal  You may use your eCMoney for the following transactions:

  • Remit money
  • Buy eLoad

You can transact via eCMoney through these steps:

To send via

  • Log in to 24k Online Client Portal
  • Go to the eCMoney 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


Currency Amount from Amount to eCMoney
Php 1 50 0.8
Php 51 100 0.8
Php 101 200 2.4
Php 201 300 4
Php 301 400 8
Php 401 500 12
Php 501 600 14.4
Php 601 700 16.8
Php 701 800 19.2
Php 801 900 21.6
Php 901 1000 24
Php 1001 1300 36
Php 1301 1500 36
Php 1501 1800 48
Php 1801 2000 48
Php 2001 2300 60
Php 2301 2500 60
Php 2501 2800 72
Php 2801 3000 72
Php 3001 3500 76
Php 3501 4000 92
Php 4001 4500 100
Php 4501 5000 100
Php 5001 6000 116
Php 6001 6500 124
Php 6501 7000 124
Php 7001 8000 132
Php 8001 9500 148
Php 9501 10000 156
Php 10001 14000 200
Php 14001 15000 240
Php 15001 20000 280
Php 20001 30000 320
Php 30001 40000 360
Php 40001 50000 400

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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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