About Us

Cebuana Lhuillier is the leading microfinancial services provider in the Philippines. Established in 1953 under Agencia Cebuana and later adopting its trade name Cebuana Lhuillier in 1987, this distinguished Filipino company has been dedicated to fulfilling its vision of empowering Filipinos through accessible financial services. Cebuana Lhuillier’s core offerings encompass a wide range of essential financial solutions, including pawning, microinsurance, banking services, loans, customized business-to-business solutions, and money transfer services such as domestic remittance, cash in cash out, bills payment, eload, remit to account, and digital to cash, instapay services. With almost 3,500 branches nationwide, Cebuana Lhuillier continues to be true to its core mission of breaking barriers in finance through effective financial inclusion offerings.

Our Manifesto

Who are we? We are a Filipino company with a dream of empowering Filipinos through financial services, anytime and anywhere, from city to seaside, from every far-flung corner of a 7,000-island nation.

Who are we? We are the connection, the link that binds families, the bridge between islands, the bond uniting the people.

Who are we? We are Cebuana Lhuillier, a company born at the heart of the Philippines. Founded in Cebu in 1953, beginning with a single branch and a single-minded goal to empower disadvantaged Filipinos everywhere through financial inclusion and mobility. From our humble beginnings, we transformed ourselves into an expansive network with thousands of branches nationwide, thousands of domestic partner doors, and millions of partner doors all over the world. Today, we not only span the country, but multiple industries. And through our proprietary technology and impressive reach, we help millions of customers near and far so no one will ever be left behind.

Who are we? We are your most trusted financial partner, and we believe that every Filipino should have access to financial services. We are here to provide immediate and reliable bridge financing to help you achieve a better tomorrow, to let you send and receive financial care to your loved ones from here or abroad, to empower you with an affordable means to protect yourself and your family, to give everyone an opportunity to start their journey towards financial wellness through savings, to provide access to affordable investments, to make life more rewarding for everyone, and to share relevant services for your every need.

We work hard every day to serve all walks of life through our TechBrick advantage that provides cutting-edge solutions for all our customers wherever they may be. We are continuously revolutionizing the microfinance services industry through multiple apps that provide a more convenient and accessible array of microfinancial services to respond to the changing needs and lifestyles of our customers. With the customer as our priority, our TechBrick strategy creates a seamless transition between multiple online platforms and our expansive branch network, allowing us to assist our customers with their financial needs whenever, wherever.

Above all, we are a company with a heart, uplifting the lives of Filipinos so they can catch up with the rest. We help give the youth the education they deserve, we provide an avenue for people to excel, and we are always willing to extend a helping hand when our fellow Filipinos need it the most. Because that is who we are—we are entrepreneurs and innovators, we are game-changers, all because the Filipino deserves better. Through financial inclusion, we are here to improve the lives of Filipinos everywhere. We are Cebuana Lhuillier.

Company Mission

We are your most trusted financial partner.

Company Vision

We will empower Filipinos through financial services anytime and anywhere.

Values

Innovation. Respect. Integrity. Teamwork. Excellence. Social Responsibility

PURPOSE

We believe that every Filipino should have access to financial services.

OUR HISTORY

Through the years, we have grown to become one of the country’s strongest financial services companies.
Since opening our first Agencia Cebuana in Cebu, we have been undergoing breakthroughs to achieve our vision of becoming the best.

MANAGEMENT TEAM
TOP MANAGEMENT

Amb. Philippe Jones Lhuillier

CHAIRMAN AND FOUNDER

Jean Henri Lhuillier

PRESIDENT AND CEO

PHILIPPE ANDRE LHUILLIER

SENIOR EXECUTIVE VICE PRESIDENT

MANAGEMENT COMMITTEE

Ergilio Ong

Senior Vice President and Group Head

Digital Products

Annette Tirol

Senior Vice President and Group Head

Customer Engagement and Market Development

Allan Malig

First Vice President and Group Head

Information and Communications Technology

Anthony Lou M. Bernabe

General Manager and Group Head

Cebuana Lhuillier Insurance Brokers, Inc.

Christine Syjueco

First Vice President and Group Head

Retail Business Group

Dennis Valdes

First Vice President and Group Head

Cebuana Lhuillier Rural Bank

Erlinda Sumañga

First Vice President and Group Head

Money Transfer

Filemon Cecilio Cabungcal

First Vice President and Group Head

Finance

Jo-Ann Tacorda

First Vice President and Group Head

Corporate Services

Jose Miguel Jimenez

First Vice President and Group Head

Pawnshop Operations

Michael Sena

First Vice President and Group Head

Integrated Marketing and Communications

ATTY. MARIA ROSARIO E. EREÑO

First Vice President and Group Head

Legal Services

Rozelyn Torreno

Executive Assistant to the CEO

Office of the President

Ruth Viray

First Vice President and Group Head

Shared Services Center

Severino Gonzales

First Vice President and Group Head

Properties

General Managers

Elesa Modiquillo

GENERAL MANAGER

Just Jewels

Gilbert Uy

GENERAL MANAGER

Bacau Bay Coron

SEALS OF EXCELLENCE

As we continue to serve the local and international markets, our commitment to always provide our clients with excellent service remains to be the integral mission of our organization. In the recent years, our efforts have been recognized by different award-giving organizations, both local and international.

EXCELLENCE IN TECHNOLOGY

ISO/IEC 27001:2005 Certification Networld Capital Ventures, Inc.

EXCELLENCE IN PAWNING

A trusted member of National Pawnbrokers Association

CHAMBER OF PAWNBROKERS OF THE PHILIPPINES MEMBER

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 (PhilID) card
  • 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)