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

Head of Innovation and AI

Annette Tirol

Senior Vice President and Group Head

Customer Engagement and Market Development

Mark Ramos

Chief Technology Officer

Information and Communications Technology

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

JOHN PAUL ALARCON

Chief Information Security Officer

IT

Jo-Ann Tacorda

First Vice President and Group Head

Corporate Services

Jose Miguel Jimenez

Senior Vice President and Group Head

Pawnshop Operations

Michael Sena

First Vice President and Group Head

Integrated Marketing and Communications

ATTY.  JEFFREY PUNZALAN

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

Rozelyn Torreno

Executive Assistant to the CEO

Office of the President

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

Our Commitment to Clients

Cebuana Lhuillier’s commitment is to always provide you, our valued clients, the highest standards of client experience.

We aspire to provide the best client experience every time you transact with us at every channel and through every employee, to make you feel that you are a Kaibigan, Ka-Cebuana.

We provide for your microfinance service needs.

Cebuana Lhuillier offers one-stop-shop services to our clients. Aside from pawning, clients can avail| of international and domestic money remittance services, microinsurance and micro savings products, as well as bills payment, foreign exchange, and e-loading services.

When you transact with us, we shall:

Manifest courtesy in our words and actions.

We shall give you due respect and attention in your every service interaction with the company.

Aim to cultivate a lasting relationship.

We shall treat each transaction as a starting point for a lasting relationship by creating a positive first impression and continuously engaging with you after the transaction.

Deliver professional and personalized service.

We shall act, communicate, and present ourselves in a professional manner. We shall value your reputation, personal information (e.g., contact number, beneficiary information), hard-earned money, valuable items, time and effort. We shall be sensitive and aware of your specific needs to be able to deliver personalized service.