Cebuana Lhuillier Loan Online Review: App Requirements, Interest Rates, and More

In the realm of fintech service in the Philippines, Cebuana Lhuillier is a name that has established itself as a reliable and accessible option for individuals seeking monetary assistance. This review of CashExpress PH will delves into the various aspects of Cebuana Lhuillier’s loan offerings, including app requirements, interest rates, types of loans, and the pros and cons of their services. Let’s explore what this financial institution has to offer and what you can expect when considering their loans.

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Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval

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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

Summary of Cebuana Lhuillier Loan App

Review Cebuana Lhuillier Loan App
How to Apply Applying for a Cebuana loan is a straightforward process.
Loan Amount Cebuana Lhuillier offers loans of up to ₱50,000.
Age Requirements Borrowers should be between 21 and 65 years old.
Loan Term Loan terms range from 1 to 12 months.
Interest Rate The interest rates for Cebuana Lhuillier loans typically range from 4% to 10%.
Income Requirement To be eligible, you need a minimum annual salary of ₱180,000.
Pros Cebuana Lhuillier boasts quick approval processes.
Cons One drawback is the relatively short loan terms.
Effectiveness Overall, Cebuana Lhuillier’s loan services are deemed effective.
Types Cebuana Lhuillier offers Cash Loans, Microloans, and OFW Loans.

What is Cebuana Lhuillier?

Cebuana Lhuillier is a renowned financial services and pawnshop chain in the Philippines, established in 1987. It provides an extensive range of services, including pawnbroking, money remittance, microloans, and insurance. The institution plays a crucial role in offering accessible financial solutions to Filipinos, especially those in underserved communities.

Can I Borrow Money in Cebuana Lhuillier?

Borrowing money from Cebuana Lhuillier is a straightforward process with minimal requirements. Collateral is not necessary for loans ranging from PHP 2,000 to PHP 15,000. With over 2,200 branches nationwide and an online presence, accessing their services is convenient.

Types of Cebuana Lhuillier Loan Offers

Cebuana Lhuillier provides various loan options to cater to different financial needs:

  1. Cebuana Lhuillier Cash Loan: Offers microloans with minimal requirements.
  2. Cebuana Lhuillier Micro Loan: Borrow between PHP 2,000 and PHP 15,000 without collateral, with repayment periods of 3 to 4 months.
  3. Cebuana Lhuillier OFW Loan: Aids Filipinos working abroad with OFW loans. The online application process is simple, with loan amounts between PHP 5,000 and PHP 50,000 and 3 to 6 months to repay.

Benefits of Cebuana Lhuillier Loan Online

Cebuana Lhuillier’s online presence offers several advantages:

  • Accessibility and Convenience: Applying for microloans from the comfort of your home or office is made possible by Cebuana Lhuillier’s online platform, catering to customers who may have difficulty visiting physical branches.
  • Versatile Usage: Microloans serve various purposes, from covering unexpected medical expenses to financing a family vacation, education, or essential purchases.
  • Quick Approval: Cebuana Lhuillier prioritizes a fast loan application process to provide customers with prompt responses.
  • Exclusive Privileges: Customers may enjoy special benefits, such as discounts and rewards, by choosing Cebuana Lhuillier.

Cons of Cebuana Lhuillier Loan Online Application

While the online application process for Cebuana Lhuillier loans offers advantages, there are some downsides to consider:

  • Short Loan Terms: Cebuana Lhuillier provides relatively short loan terms, which may not be suitable for those seeking longer repayment periods.
  • Higher Fees for Pawned Items: If you use valuable items as collateral, you may incur additional costs compared to other loan types.
  • Possible Customer Service Issues: Some customers have reported unsatisfactory customer service experiences, potentially causing inconvenience for those seeking quick and helpful assistance.

Cebuana Lhuillier Loan Interest Rate

Cebuana Lhuillier offers a loan calculator to determine the interest rates. For microloans in the Philippines, monthly interest rates typically range from 4% to 10%. The exact rate depends on factors such as the loan amount and the borrower’s creditworthiness. Cebuana Lhuillier may charge different interest rates and terms for other financial services, including pawnshop transactions and motorbike loans.

Cebuana Lhuillier Money Limit

Cebuana Lhuillier, known for its network of pawnshops and money transfer services in the Philippines, has limits on the maximum amounts you can send:

  • Limit on the Most You Can Send: Cebuana Lhuillier imposes a limit of PHP 50,000 for both foreign and domestic transfers, allowing you to send up to PHP 50,000 in a single transaction.

Cebuana Lhuillier Loan Requirements

Cebuana Lhuillier’s quick cash loan requirements include:

  • Age Limits and Eligibility: Applicants for a Cebuana Lhuillier micro loan typically need to be between 21 and 65 years old at the time of application.
  • Required Minimum Salary: In most cases, applicants should have an annual basic salary of at least PHP 180,000.
  • Additional Documentation: Cebuana Lhuillier usually requires at least one valid government-issued ID, proof of income, and other necessary documents.

How to Avail Cash Loan in Cebuana Lhuillier Online

To apply for a loan in Cebuana Lhuillier online, follow these steps:

  • Step 1: Check Your Eligibility: Ensure you meet the requirements, which typically include being of legal age, having a valid government ID, and providing proof of income, such as pay stubs.
  • Step 2: Locate the Nearest Branch: While Cebuana Lhuillier offers online microloans and cash loans, you may still need to visit a physical branch for certain services.
  • Step 3: Inquire About Online Services: When at the branch, inquire about their online loan services and any related information.
  • Step 4: Complete the Application: To apply for a loan, follow the application steps provided by the branch or on their online platform. Be prepared to provide proof of identity, such as a government-issued ID, and evidence of your financial situation.
  • Step 5: Review Terms and Conditions: Thoroughly review the terms and conditions, including interest rates and repayment methods.
  • Step 6: Submit Your Application: Send in your application along with the required documentation.
  • Step 7: Await Approval: After submitting your application, you’ll need to wait for clearance. The loan application process may vary depending on your circumstances and the type of loan.
  • Step 8: Cebuana Lhuillier Loan Disbursement: If your loan application is approved, you’ll receive the funds through the chosen payment method provided during the application.

How to Request an SSS Loan through Cebuana Lhuillier

  • Step 1: Access My.SSS Begin by accessing the My.SSS portal on the official SSS website. If you don’t already have an account, create one.
  • Step 2: Loan Selection Once you’ve logged in, navigate to the loan application section. Choose the desired loan amount.
  • Step 3: Complete the Online Application Fill out the online loan application with all the necessary information and provide the required documentation. Ensure that the information provided is accurate.
  • Step 4: Choose Cebuana Lhuillier for Disbursement During the application process, select Cebuana Lhuillier as your preferred disbursement account. This is where the approved loan amount will be sent.
  • Step 5: Await Loan Approval After submitting your application, patiently wait for the loan approval process to complete. Once your loan is approved, the funds will be disbursed to your Cebuana Lhuillier account.

Cebuana Lhuillier Loan Review and Feedback

As a user of Cebuana Lhuillier’s loan services, I find their offerings to be convenient and accessible. The application process is straightforward, and their extensive branch network across the Philippines ensures quick access to funds. The interest rates and repayment terms are reasonable, addressing various financial needs. The customer service has been responsive in addressing inquiries and concerns promptly.

Overall, Cebuana Lhuillier’s loan services are a dependable choice for individuals seeking financial assistance, particularly when faced with unforeseen expenses or emergencies.

Feedback from other users corroborates this experience.

Compare Cebuana Lhuillier vs. Other Loans

For those considering loan options, it’s essential to compare Cebuana Lhuillier with other providers. Here’s a comparison:

Loan App Cebuana Lhuillier Happy Loan Home Credit SSS Loan
Interest Rate 4.9% per month 2.5% per month 10% per annum N/A
Loan Amount PHP 5,000 – PHP 50,000 PHP 5,000 – PHP 50,000 PHP 1,000 – PHP 32,000 N/A
Loan Term 3 months 6 months 24 months N/A
Processing Time Within the day Within the day Within the day N/A
Requirements Valid ID and proof of income Valid ID SSS membership and proof of income N/A

Frequently Asked Questions

Is Cebuana Lhuillier the same as M Lhuillier?

No, Cebuana Lhuillier and M Lhuillier are distinct entities, despite sharing a similar surname. Cebuana Lhuillier specializes in financial services, including money transfers and pawnshops, while M Lhuillier offers comparable services but operates as a separate organization with different locations and business models.

Can I claim Cebuana transactions at M Lhuillier?

No, you cannot claim Cebuana Lhuillier transactions at M Lhuillier. These are two separate financial service providers in the Philippines, each with its own network and branches. To access your money or services, you must visit the specific provider where the transaction was made.


For individuals in the Philippines seeking financial assistance without the complications associated with traditional bank loans, Cebuana Lhuillier loans present a viable option. From accessible microloans to specialized OFW loans, Cebuana Lhuillier offers a versatile platform to access essential funds when unexpected challenges arise.

Their commitment to accessibility, convenience, and responsive service has earned them the trust of countless Filipinos. In the fast-paced world of finance, where reliability and speed are paramount, Cebuana Lhuillier stands as a valuable lifeline, catering to the diverse financial needs of its customers. Whether it’s covering unexpected medical expenses, financing a family vacation, or addressing any other financial need, Cebuana Lhuillier is a name worth exploring.

5/5 - (7 votes)

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