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9.9 RECEIVE & REWARD (DOUBLE DATES) PROMO MECHANICS

Brief Description:

Claim your pera padala from select partners at any Cebuana Lhuillier branch nationwide and get an instant P50 reward. Valid for first time customers only.

Mechanics:

  1. This instant gratification promo is open to first time clients who will receive remittance at Cebuana Lhuiller from select aggregator partners.
  2. Participating partners in the promo are the ff.

 1

Metropolitan Bank & Trust Co. (Metrobank)

12

Land Bank Of The Philippines

 2

Metrobank Digital to Cash

13

Western Union

 3

Banco De Oro Unibank, Inc (BDO)

14

Moneygram

 4

Bank Of The Philippine Islands (BPI)

15

Ria Financial

 5

China Banking Corporation

16

Taptap Send Uk

 6

Asia United Bank

17

EMQ Limited

 7

Asia United Bank Digital to Cash

18

Worldremit

 8

 Rizal Commercial Banking Corporation (RCBC)

19

 LBC Express Inc

 9

 Philippine National Bank (PNB)

20

 Transferto

 10

 Bank Of Commerce

21

 Club Sudamerika

 11

 Development Bank Of The Philippines

3. Promo duration is as follows:

September

 September 8,9,10

4. The promo is available in all 3,500+ branches of Cebuana Lhuillier nationwide.

5. All first time clients will get instant rewards for every transaction within the promo period, regardless of the amount of transaction. See reward below:

September

 ₱50

Per DTI Fair Trade Permit 234605 Series of 2025

MEGA PAWNALO RAFFLE PROMO

  1. This promo is open to all clients who will avail of the qualified Cebuana Lhuillier products and services at any of the over 3,500 branches nationwide from September 1 to November 30, 2025.
  2. All clients who will pawn and transact any of the qualified transactions on same day at a same branch will earn e-raffle entries. Number of entries depends on the transactions availed.
 Transaction Entries
Base Transaction Pawn (Existing Pawner) 1
Pawn (New Record and Pawn as 1st transaction) 2
Additional Transaction Domestic Remittance – Sending  1
International Remittance – Sending 1
International Remittance – Payout  1
Domestic Remit to Account 1
ProtectMax 1
HealthMax 1
Pamilya Care Plus 1
CTPL 1
Micro Savings Account Opening 1
Corporate Payout 1
Collections 1
Cash in 1
Cash Out 1
Bills Payment 1

3. All client are required to first inform the branch personnel if they wish to join the promo. Clients who wish to participate must sign the opt-in log sheet, which will be provided by the branch personnel.
4. New client (new record) with pawning transaction at the same branch on the same day of record creation will earn two (2) e-raffle entries. They will also earn one (1) e-raffle entry for any another transaction made.
5. There will be lucky clients who will win in the weekly and grand draw.

Period Coverage Prize No. of Winners
Weekly
1st September 1 to 7 ₱1,000 770 (10/area)
2nd September 8 to 14 ₱1,000 770 (10/area)
3rd September 15 to 21 ₱1,000 770 (10/area)
4th September 22 to 28 ₱1,000 770 (10/area)
5th September 29 to October 5 ₱1,000 770 (10/area)
6th October 6 to 12 ₱1,000 770 (10/area)
7th October 13 to 19 ₱1,000 770 (10/area)
8th October 20 to 26 ₱1,000 770 (10/area)
Grand
1st Prize September 1 to November 30, 2025 Toyota Wigo 9 (1/region)
2nd Prize Honda Click 45 (1/region)

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

6. Grand prizes are convertible to cash equivalent to the Manufacturer’s Suggested Retail Price.
7. Grand prizes are not transferrable.
8. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.

9. All clients can win in the weekly and grand draw. Non-winning entries from previous draws can be included in the succeeding weekly draw and grand draw.
10. All clients are encouraged to fill out a CIF/CIFS form or update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
11. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.
12. Announcement of winners will be shared thru in-branch announcement and social media pages of Cebuana Lhuillier.
13. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.
14. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
15. Winner will shoulder the 20% tax in all cash prizes exceeding P10,000 in amount.
16. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-235383, SERIES OF 2025

How the Micro Savings App Empower Filipinos to Save Money

Introduction

In the fast-paced world we live in, saving money can often be challenging, especially for low-income individuals who may struggle to set aside funds for the future. This is where the concept of micro savings comes in — an accessible solution for people to save small amounts regularly and work towards financial stability.
For Filipinos, particularly those in lower-income brackets, micro savings provide a simple yet powerful way to gradually build their savings over time. Cebuana Lhuillier, a trusted name in financial services, recognizes this need and has introduced the Cebuana Lhuillier Micro Savings Account, supported by its eCebuana App, to make saving more convenient, accessible, and secure in the Philippines.

What is Micro Savings?

Micro savings is a form of savings that allows individuals to set aside small amounts of money, often in a flexible and accessible way. Unlike traditional bank accounts that require higher initial deposits or large minimum balances, micro savings accounts are designed to make it easier for low-income earners or those without access to formal banking services to save. This makes it possible for anyone, regardless of income level, to gradually build up funds over time, often with no minimum deposit requirements.

For the Filipino community, where many people live paycheck to paycheck, micro savings can be a game-changer. It encourages disciplined savings habits and ensures that even the smallest amounts saved are put to good use, leading to a more secure financial future. Cebuana Lhuillier’s Micro Savings App offers a simple, straightforward solution to this challenge, allowing users to save money in a way that is tailored to their needs and lifestyle.

What Is Cebuana Lhuillier’s Micro Savings App?

  • Cebuana Lhuillier’s Micro Savings App is an intuitive mobile application designed to provide low-income Filipinos with a convenient way to access financial services, including saving, transferring money, and making payments, all possible with just a few taps and from the comfort of their homes.
    This app, a product of Cebuana Lhuillier Rural Bank, is part of the company’s mission to offer accessible banking services to Filipinos, especially those without traditional banking access. The app’s main feature is its Micro Savings service, which helps individuals save small amounts of money over time. It’s an ideal option for anyone looking to start saving but who may not have access to or the means for larger, traditional savings accounts.
    Apart from micro savings, the eCebuana App offers a range of other financial services that make it a versatile tool for personal finance. Users can:
  • Access Bank Accounts: Securely manage accounts, view balances, and track transactions.
  • Send Money: Transfer funds to any Cebuana Lhuillier Bank account or to other banks via Instapay.
  • Pera Padala: Send money to any Cebuana Lhuillier branch or other bank accounts, locally and internationally.
  • Bills Payment: Pay utilities, credit card bills, and other services through the app.
  • Load Top-Up: Refill your mobile or pay for friends’ and family’s mobile services quickly and securely.

Advantages of Using Cebuana Lhuillier’s Micro Savings App

User-Friendly

The eCebuana app is designed with simplicity in mind. Whether you’re a first-time user or familiar with digital banking, navigating the app is seamless and straightforward, making it accessible for people of all ages and tech abilities.

Multipurpose

More than just a savings tool — it’s a one-stop shop for various financial services like sending money, paying bills, and topping up your phone.

Safe and Secure

With encryption and secure authentication, users can trust that their financial data and transactions are protected.

Works Overseas

The app works anywhere in the world, allowing overseas users to manage their Micro Savings account remotely.

No Fees

Enjoy fee-free services, making it easy to save and transfer funds without hidden charges.

Fast Transfers

Instant money transfers via Instapay for quick, convenient transactions.

Why Choose Cebuana Lhuillier for Micro Savings?

Cebuana Lhuillier has over 30 years of experience providing reliable and secure financial services in the Philippines. Its Micro Savings Account promotes financial inclusion and makes saving accessible for all.

Conclusion

Cebuana Lhuillier’s Micro Savings App is a secure, versatile, and user-friendly platform for Filipinos to save, transfer, and manage their money. Whether you’re a professional, student, or low-income earner, the app makes it easy to start saving today.
Ready to start saving? Download the eCebuana App and experience financial freedom with Cebuana Lhuillier’s Micro Savings Account.

5 Best Features of a Reliable Philippine Microlending Platform

Introduction

Microlending has become a powerful tool for empowering small businesses and individuals who need financial assistance but do not have access to traditional bank loans. In the Philippines, where a significant portion of the population relies on alternative financial services, microlending platforms have emerged as a reliable solution for accessing quick loans with minimal requirements.
Whether you’re a small business owner or an individual looking for short-term financing, knowing how to navigate microlending platforms can help you secure the funds you need. But with so many platforms to choose from, it’s important to know what features make one trustworthy and reliable. In this article, we will explore microlending, the key features of a reliable platform, and how Cebuana Lhuillier stands as a trusted microfinance provider in the Philippines.

What Is an Example of Microlending?

Microlending, or microfinance, refers to the practice of providing small loans to individuals or small businesses that might not qualify for traditional bank loans. These loans are often given to underserved or low-income communities, enabling them to start or grow businesses, cover emergencies, or address financial gaps.
One of the most popular examples of microlending is Grameen Bank, which provides small loans to the poor in Bangladesh to help them build or expand small businesses. Similarly, in the Philippines, many microfinance institutions (MFIs) offer small loans for everyday needs and entrepreneurial ventures.
In recent years, microlending has shifted online. Many microlending companies now operate digitally, making it easier for borrowers to access loans quickly and without the need for extensive paperwork. These platforms are particularly important for Filipinos living in rural areas or those who lack access to traditional banking services.

Microfinance Today: What Are Online Microlending Platforms?

The rise of online microlending platforms in the Philippines has revolutionized the way people access financial services. These platforms provide small, quick loans to individuals or small businesses through digital channels, allowing users to apply for and receive loans directly from their smartphones or computers.
With the increasing popularity of digital lending platforms, it’s important for borrowers to choose a reliable microlending organization. Some online platforms operate without the proper licenses or security measures, leading to high risks for borrowers.
According to the Securities and Exchange Commission (SEC), it is crucial for borrowers to verify that the platform is registered and regulated to avoid falling victim to fraudulent activities. For example, platforms like Cebuana Lhuillier, which have built a strong reputation for offering trustworthy microfinance services, are a safer choice for those in need of financial assistance.

Features To Look For in a Reliable Microlending Platform

As the number of online microlending platforms in the Philippines grows, it’s essential to know what features make a platform trustworthy and efficient. Here are the five features to look for when choosing a microlending platform:

Intuitive User Interface

The ease of use of an online microlending platform is crucial. A user-friendly interface allows borrowers to quickly navigate through the loan application process without confusion. Whether you’re applying for a loan or checking your loan status, the platform should be easy to use, with clear instructions and steps. Platforms with intuitive interfaces save time and make the experience hassle-free for borrowers.

Robust Security Features

Since microlending platforms handle sensitive personal and financial information, robust security features are a must. Look for platforms that use SSL encryption, two-factor authentication, and secure payment gateways to protect your data. A reliable microlending platform will have clear security protocols in place to ensure your privacy and reduce the risk of data breaches. Always check whether the platform has certifications or partnerships with trusted security companies.

Latest Technology

A good microlending platform should incorporate cutting-edge technology to improve the borrower’s experience. Look for platforms that use AI (artificial intelligence) to assess loan applications, automated credit scoring systems, or blockchain technology for transparent transactions. These technological advancements make the lending process faster, more accurate, and more secure. They also ensure that the platform stays ahead of the competition and delivers high-quality service.

Handy Loan Calculator

A loan calculator is a must-have feature for any reliable microlending platform. This tool allows borrowers to easily calculate their loan amount, repayment terms, and interest rates. By simply inputting the loan amount, repayment period, and interest rate, borrowers can get an instant preview of how much they will owe and when the payments will be due. This feature helps borrowers make informed decisions and plan their finances accordingly.

Built-In Repayment Feature

A built-in repayment feature enables borrowers to track their loan repayment schedule and make payments directly through the platform. Look for platforms that offer flexible repayment options, such as weekly, bi-weekly, or monthly payments, to suit your financial situation. A reliable microlending platform should also provide automatic reminders about upcoming payments to help borrowers avoid missed deadlines or late fees.

Conclusion

Microlending has become a vital tool for financial inclusion in the Philippines, offering small loans to individuals and businesses who may not have access to traditional financial services. As the demand for online microlending platforms continues to grow, it’s essential for borrowers to choose platforms that are not only efficient but also secure and trustworthy.
When searching for a reliable microlending platform, consider the user interface, security features, latest technology, loan calculator, and repayment options. These features will help ensure that you have a smooth borrowing experience and that your financial data remains safe.
As one of the leading microfinance service providers in the country, Cebuana Lhuillier offers trusted microloan solutions that provide flexible terms, transparent processes, and secure transactions. Whether you’re looking to start a small business or meet personal financial needs, Cebuana Lhuillier is your one-stop shop for microfinance services in the Philippines.
Ready to get started? Explore Cebuana Lhuillier’s microfinance products today and find the loan option that’s right for you!

Cebuana Lhuillier Insurance Brokers, Inc. GM Shares How He Envisions to Insure Every Filipino Family

For a long time, insurance coverage was a privilege enjoyed almost exclusively by well-to-do Filipinos. However, thanks to Jean Henri Lhuillier, the man behind the success of microfinance leader Cebuana Lhuillier, he set his sights on making insurance more inclusive and accessible to the general population. In 2020, Cebuana Lhuillier established a future-ready insurance brokerage firm named Cebuana Lhuillier Insurance Brokers, Inc. (CLIB).

CLIB focused on bringing the benefits of insurance coverage to marginalized Filipinos, as well as MSMEs. CLIB presently works with 40+ reputable insurers and providers to develop tailor-made insurance products for the C and D market and foster alliances with other major companies to streamline product distribution. CLIB uses what it calls a “TechBrick” setup. This strategic approach is aimed at increasing product range and improving services by seamlessly and rapidly integrating its proprietary technology platform (Tech) with a robust brick-and-mortar footprint (Brick) to create an affordable and extensive insurance product portfolio that can be easily accessed and purchased either through digital platforms or by visiting any of Cebuana Lhuillier’s close to 3,500 branches or 6,500 partner outlets nationwide.

CLIB’s goal to revolutionize the Philippine insurance industry has already borne fruit. In 2023 alone, CLIB provided insurance coverage to over 4 million unique customers. CLIB has, in fact, grown to be one of the largest retail insurance brokers in the country by providing insurance to millions of Filipino families.

However, the work is far from over. CLIB General Manager and Group Head Anthony M. Bernabe says the most significant challenge they have—and will continue to have—is evolving customer needs. He said, “Customers have become more price-sensitive and now demand for more affordable products. To add, relevant and simple-to-understand products and seamless experience from a trusted company have become the minimum customer expectations. While digital is being pushed by the industry, most customers still prefer physical connections when purchasing insurance.”

Bernabe said they hope to overcome this by catering to the different and evolving needs of various customer segments. He explains, “Continuous innovation and simplification of insurance products is key to meet these changing customer needs, enhance affordability, and address emerging risks. We needed to be dynamic and responsive to market demands.”

In heeding what the market wants, CLIB is now focusing on providing health insurance to all Filipino families, which has become top of mind, especially after the pandemic. He explains, “Filipinos have been more mindful of their health and health protection. Unfortunately, most health products are either unaffordable to them or have very limited coverage. CLIB aims to bridge the gap by providing comprehensive health insurance for all.”

Moreover, CLIB is developing products that cater to the protection needs of indigenous people and workers with occupations that have long been excluded by most insurance companies.

To those who remain wary of availing of insurance, especially the C, D, and E markets who opt to hold on to their hard-earned money, Bernabe had this message to share, “The cost of not having insurance is most significant and unquantifiable. How can one quantify the value of losing a home? How can one quantify a family that cannot cope with the loss of their breadwinner? How can one quantify the cost of children having to stop schooling because one of their family members got sick?”

In hopes of enticing the general public to get insurance, Bernabe says CLIB offers innovative, affordable, widely available, simple-to-understand, and relevant products. Moreover, CLIB is committed to assisting clients in filing their claims with insurers so that valid claims are fulfilled as soon as possible.

CLIB is dedicated to realizing a vision of insurance empowerment for all Filipinos. Under the leadership of Jean Henri Lhuillier and Anthony Bernabe, CLIB hopes to make a greater impact in the local insurance industry as it continues its innovative efforts in driving financial inclusion and providing insurance for every Filipino family.

Cebuana Lhuillier Bank brings community empowerment and financial excellence to Davao

Cebuana Lhuillier Bank, the banking arm of Cebuana Lhuillier, the Philippines’ leading microfinance service provider, proudly announces the grand opening of its latest branch in Davao. Located at PJL Compound corner McArthur Hi-way, Matina Davao, this strategic expansion marks a significant step toward fostering community empowerment and financial excellence in the region.

With a firm commitment to serving and uplifting local communities, Cebuana Lhuillier Bank Davao Branch brings forth the renowned Cebuana Lhuillier service, coupled with unparalleled community empowerment initiatives and a suite of innovative financial products and services directly to the people of Davao.

Expressing his gratitude for the warm reception from the Davaoeño community, Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, reiterated the bank’s dedication to community empowerment through tailor-made financial solutions.

“Our goal is to provide financial solutions that transform lives, businesses, and families. We are honored by the warm welcome from the Davaoeños, and we are committed to being your trusted partner in financial success,” stated Lhuillier.

Furthermore, Dennis Valdes, President of Cebuana Lhuillier Bank, extended his appreciation to the bank’s officers and employees for their relentless dedication, which has propelled the institution to remarkable achievements, including a 42% share in basic deposit accounts, according to the Bangko Sentral ng Pilipinas (BSP).

“Our journey is ongoing, and we face challenges with confidence, united by our vision of financial inclusivity and commitment to transforming lives through financial education,” remarked Valdes.

The momentous branch launching was attended by esteemed executives, including Cebuana Lhuillier Senior Vice President Phillippe Andre Lhuillier, Cebuana Lhuillier Bank President Dennis Valdes, and other key company figures, marking a significant milestone in the bank’s continued growth and commitment to serving communities nationwide.

In extending our footprint and commitment to serving communities nationwide, Cebuana Lhuillier Bank is proud to launch our newest bank branch in Davao. This expansion reflects our dedication to providing accessible and reliable financial services to more Filipinos, empowering them to achieve their financial goals with ease and convenience, and a continued testament to financial inclusivity nationwide.

Cebuana Lhuillier Bank also serves the communities of Calatagan and Nasugbu in Batangas, Imus and Bacoor in Cavite, and Jupiter in Makati, whose unwavering support inspires us to continue striving for excellence in banking and beyond.

Cebuana Lhuillier cordially invites the Davaoeños to visit the Davao Branch at PJL Compound corner McArthur Hi-way, Matina Davao to experience the convenience and empowerment that comes with Cebuana Lhuillier’s innovative microfinance services.

TRANSFEREWARD RAFFLE PROMO

 

Claim your pera padala from Franki Forex at any Cebuana Lhuillier branch nationwide for a chance to win a round trip ticket to Hong Kong!

 

Mechanics

  1. Promo Duration is from July 1 – September 30, 2025.
  2. This promo is open to all customers who will claim their pera padala from Franki Forex at any Cebuana Lhuillier branch nationwide within the promo period.
  3. Customers are automatically eligible to receive one (1) raffle entry for every Franki Forex remittance claimed at any Cebuana Lhuillier branch.
  4. All qualified entries during the promo duration will be drawn on October 10, 2025. The raffle draw will be held at P.J. Lhuillier Inc. ICT Office 3/F, the Networld Hub 156 Jupiter cor. Bel-Air, Makati City 1209, in the presence of a DTI Representative via Zoom.
             Cut-off Date               Draw Date
July 1 – September 30, 2025           October 10, 2025

 

  1. A total of five (5) winners will be selected. Each winner will receive:
  • Round-Trip Economy Class Ticket to Hong Kong via Cebu Pacific
  • PHP 15,000 pocket money, inclusive of travel taxes and terminal fees; exclusive of accommodation costs.
  1. A participant can only win once during the entire promo period.
  2. Winners will be announced on October 25, 2025 through the official Facebook and Instagram pages of the Cebuana Lhuillier and its affiliates.
  3. Winners will be notified through registered mail to their mailing address and SMS from access code CEBUANA LHUILLIER based on their information in the records of the Cebuana Lhuillier. 
  4. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.
  5. All winners have sixty (60) calendar days to redeem their prize upon receipt of the registered mail and SMS. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
  6. Cebuana Lhuillier will shoulder the 20% tax on all prizes exceeding Php10,000 in amount.
  7. All employees of PJ Lhuillier Group of Companies, Ad/Creative agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
  8. Prizes are transferable but not convertible to cash. In the event that the winner opts to transfer the prize, the transfer shall only be allowed to a first-degree relative by sanguinity (i.e., parent, child, or full sibling).
  9. If the winner has no first-degree relative by sanguinity, and would like to transfer the prize to a relative up to the third degree of sanguinity (e.g., parent, child, sibling, grandparent, grandchild, aunt/uncle, niece/nephew, or first cousin). The following requirements must be submitted (letter of authorization, proof of relationship, government-issued valid id’s and contact information, updated mobile numbers and email addresses for both the winner and the transferee.)

 

DTI Fair Trade Permit No. FTEB-228748 Series of 2025

CEBUANA LHUILLIER 24K REWARDS PROGRAM PROMO: EXCLUSIVE DISCOUNT FOR 24K MEMBERS ON GENERIKA

1. Starting June 9, 2025 until February 3, 2026, all 24k Rewards Program members will get 5% discounts on all generic medicines with minimum P150.00 purchase when they show their 24k card (physical or virtual) at Generika branches nationwide.

2. Promo Period is from May 1, 2025 until February 3, 2026.

3. To avail the promo, the 24k member must visit Generika’s branches and show their 24k card (virtual or physical).

4. The promo can be availed on every transaction of the 24k member with a minimum of P150.00 purchase.

5. This offer cannot be used in conjunction with any other promotional offers or discounts (e.g., Senior Citizen discount).

6. This promotion will be communicated through the official Social Media pages and websites of Cebuana Lhuillier and 24k Rewards Program. Generika will also display marketing collateral in all their stores.

7. July 7 onwards participating stores: https://docs.google.com/spreadsheets/d/1PgCU2vfjHkzN8vHR4361zs5fm5nmCkHY/edit?usp=drive_link&ouid=109097122035912492296&rtpof=true&sd=true

8. By entering the Promotion, all participants will be deemed to have accepted and be bound by these terms and conditions, which shall be interpreted by P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.

9. All personal information provided by the 24k members in connection with this promo will be used, processed, and disclosed for the purpose of running the promotion and otherwise in accordance with the Promoter’s Privacy Policy. By entering this Promotion, 24k members also understand that Cebuana may disclose information to third parties involved with providing and delivering the promo.

10. P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, or bodily injury including death of any customer arising out of participation in the Promotion.

11. Availment of the promo will be deemed as consent by the 24k member to use his/her name in all related publicity connected with this Promotion without additional charge or permission.

Per DTI Fair Trade Permit No. FTEB-223107 Series of 2025

CEBUANA LHUILLIER 24K REWARDS x GENERIKA DELIGHT MECHANICS

CEBUANA LHUILLIER 24K REWARDS PROGRAM PROMO: EXCLUSIVE DISCOUNT FOR 24K
MEMBERS ON GENERIKA

1. Starting June 9, 2025, until February 3, 2026, all 24k Rewards Program members will get 5%
discounts on all generic medicines with minimum P150.00 purchase when they show their 24k
card (physical or virtual) at Generika branches nationwide.

2. Promo Period is from May 1, 2025 until February 3, 2026.

3. To avail the promo, the 24k member must visit Generika’s branches and show their 24k card (virtual or
physical).

4. The promo can be availed on every transaction of the 24k member with a minimum of P150.00
purchase.

5. This offer cannot be used in conjunction with any other promotional offers or discounts (e.g., Senior
Citizen discount).

6. This promotion will be communicated through the official Social Media pages and websites of
Cebuana Lhuillier and 24k Rewards Program. Generika will also display marketing collateral in all their
stores.

7. June 9-30 participating stores: https://docs.google.com/spreadsheets/d/1udcrxTcea-
E3VNOWvunl_8gxpn7vwn5x/edit?usp=drive_link&ouid=109097122035912492296&rtpof=true&sd=true

8. July 1 onwards, participating stores:
https://docs.google.com/spreadsheets/d/1PgCU2vfjHkzN8vHR4361zs5fm5nmCkHY/edit?usp=dr
ive_link&ouid=109097122035912492296&rtpof=true&sd=true

9. By entering the Promotion, all participants will be deemed to have accepted and be bound by these
terms and conditions, which shall be interpreted by P.J. Lhuillier Inc., in their sole discretion with the
concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion
are final, and no correspondence will be entered into with the concurrence of the DTI.

10. All personal information provided by the 24k members in connection with this promo will be used,
processed, and disclosed for the purpose of running the promotion and otherwise in accordance with
the Promoter’s Privacy Policy. By entering this Promotion, 24k members also understand that
Cebuana may disclose information to third parties involved with providing and delivering the promo.

11. P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage,
illness, or bodily injury, including death, of any customer arising out of participation in the Promotion.

12. Availment of the promo will be deemed as consent by the 24k member to use his/her name in all
related publicity connected with this promotion without additional charge or permission.

Per DTI Fair Trade Permit No. FTEB-223107 Series of 2025

INSTANT P100 CASHBACK PROMO MECHANICS

Brief Description: First time senders will get instant cashback of P100 when they send remittance from Cebuana Lhuillier to Western Union or Moneygram abroad.

Mechanics:

  1. This instant gratification promo is open to first time clients who will send remittance abroad from Cebuana Lhuillier to Western Union or Moneygram.
  2. Participating partners in the promo are Western Union and Moneygram only.
  3. Promo duration is May 15 to July 31, 2025.
  4. The promo is available in all 3,500+ branches of Cebuana Lhuillier nationwide.
  5. All first time clients will get instant P100 cashback for every transaction within the promo period, regardless of the amount of transaction.
  6. All employees of PJ Lhuillier Group of Companies, Ad/Creative agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
  7. Neither Cebuana nor any other person or party associated with this promotion shall be liable for any loss nor damage (including but not limited to indirect or consequential loss or damage or death) suffered or sustained in connection with participation in this promotion.

Per DTI Fair Trade Permit 221385 Series of 2025

A Helpful Guide on Remittances and How To Choose the Right Remittance Center

Introduction 

Many Filipinos find better work opportunities in faraway places to give their families a chance to have a more comfortable life. Some travel to distant cities, while others even go abroad. This movement is driven by the pursuit of a brighter future and serves as a testament to the lengths individuals are willing to go to provide for their loved ones.

The decision to work far from home should not be taken lightly because it always involves leaving behind enduring separation from family and friends and adapting to new cultures and environments. However, the reward of potentially earning a higher income can make this sacrifice worthwhile.

The challenge for people who choose to work in different parts of the country or even abroad is finding a way to send their hard-earned cash back to their hometown. For this reason, they need to visit remittance centers that can transfer money to different parts of the Philippines to ensure their families and loved ones have enough funds to support themselves.

Cebuana Lhuillier has always been among the most trusted money remittance centers in the Philippines. Check out this article today to learn what remittance centers are and how to find the right one.

The Filipinos’ Need for Money Remittance Services 

For many Filipino families, remittance services ensure a consistent flow of financial support. The money is needed to cover daily expenses, pay for education, and address emergency healthcare needs.

Finding an establishment that can help you send money back home is easy if you work locally. Cebuana Lhuillier has thousands of branches nationwide, so you can simply visit one near you.

But don’t fret if you work abroad because we’re still ready to help you. We have partnered with numerous international remittance centers in other countries that can help you send funds back to the Philippines. With their services, you can ensure that your loved ones will receive the money you earn.

Factors To Consider When Choosing a Reliable Remittance Center in the Philippines 

Remittance centers provide an avenue for sending and receiving money in different parts of the Philippines. Finding the right one based on your preferences and needs is important. Here are a few factors to consider:

Number of Branches 

When choosing a remittance center, finding one with a widespread network and numerous branches in different parts of the country is crucial. This is particularly important in terms of accessibility for both senders and recipients. Suppose the remittance center has many physical locations nationwide. In that case, you and your loved one can find a nearby branch where you can complete the transaction, whether you are sending or claiming money.

Customer Service 

Another essential factor to consider is customer service. It will be beneficial if the remittance center you choose has well-trained staff members who can assist you in completing the transaction, especially if you are a first-timer. If you have possible complaints or questions about their services, they should be able to properly and quickly address them.

International Remittance Coverage 

A global presence is important, especially if you and your loved ones are oceans apart. Be sure to work with a remittance center that allows international money transfers at an affordable rate. Before you choose a remittance center, be sure to conduct proper research to understand how much you should be paying for the services.

Secure Money Transfer Processes 

Of course, you want your money to go to its intended recipient, so it’s crucial to find a channel that you know is secure and safe. When choosing a remittance center, prioritizing secure money transfer processes is paramount to safeguard both your financial assets and personal information.

Convenient Services 

Convenience is always a critical factor when selecting a remittance center. This is why finding a remittance center that facilitates simple transactions and fast services at an affordable rate is essential. If possible, you can also choose an establishment offering other money-related services, such as bills payment, pawning, and micro savings, among others.

Transfer Speed 

You don’t know when your loved ones will need money in an emergency. During such situations, it would be helpful if your money remittance partner offered high-speed services. International transfers can take a week, depending on certain circumstances, but it would be highly beneficial if the facility could expedite the process in just a few business days.

Essential Tips for Sending Money Safely and Quickly 

When you are far away from home – whether in an urban city in the country or another nation altogether – you must exercise precautions as you send your hard-earned money back home. Here are a few tips to follow if you plan to use the services of a money remittance services provider to send money to the Philippines:

Double-Check Information 

When sending money, double-check the information written on the documents you have to fill out. This is done to mitigate the risk of errors and ensure the seamless execution of an accurate transaction.

As you double-check crucial information, review both recipient details and transaction specifics meticulously. Verify the recipient’s information, including their full name and contact details, to prevent delayed claims, unintended transfers, and other related problems.

Equally important is checking transaction details to confirm the accuracy of the sent amount and designated currency. When sending through Cebuana Lhuillier and their international partners, verify the control number you’ll be sending to the intended recipient.

Bring Necessary Documents 

Bringing the necessary documents is another essential aspect of safely sending your money. When engaging in financial transactions, especially through remittance centers, ensuring you have the required identification documents is crucial for a secure and efficient process.

Some of the most important documents to bring are government-issued IDs that help verify your identity. Be sure to do your research to determine if the remittance center you’re going to requires other papers when sending money.

Beware of Transfer Scams 

Transfer scams are dangerous, especially for people who wish to send their hard-earned money back to their loved ones. These days, fraudsters have become increasingly sophisticated in their tactics, so it’s crucial for you to remain vigilant and informed about their scamming strategies.

One common tactic is unsolicited communication. Do not entertain strangers talking to you or offering help when sending money unless you know they are among the establishment’s staff members. This is an effective way to fend off these scammers and ensure the safety of your money.

Visit One of the Most Trusted Remittance Centers in the Philippines Today! 

Cebuana Lhuillier is your go-to remittance center in the Philippines. Visit any of our branches to send or receive money anywhere in the country. We have friendly staff members who are well-trained to assist you if you need help with our services.

If you are abroad and wish to send money back to the Philippines, you don’t have to worry. We have trusted international partners in different countries and territories. You can visit any of them to send money.

FAQs About Remittance Centers in the Philippines 

What Is the Purpose of Remittance Centers? 

Remittance centers serve as intermediaries for transferring money from one location to another. Their primary purpose is to facilitate the efficient and secure transfer of funds from individuals working in a faraway place. With their services, senders can ensure their families and loved ones can safely receive their hard-earned cash.

What Is the Difference Between Bank Transfer and Remittance? 

Bank transfers are another way to send money to another person. They are done electronically, eliminating the need to visit a physical location. They are marketed as a convenient option for transferring funds, but they have a few drawbacks, too, so remittance centers remain popular and relevant.

One of their limitations is accessibility. Both partners need to have a bank account to facilitate a proper money transfer, which can pose a problem in many parts of the Philippines, where many people remain unbanked.

What Are the Different Types of Remittances? 

Remittance services can be categorized into two main types:

  • Local – It is a local remittance if both the sender and the receiver are in the same country. Local remittance transactions are fast and safe if done through a reliable provider like Cebuana Lhuillier.
  • International – International remittances refer to fund transfers in which the sender and receiver are in different countries. Transactions are often completed in several banking days because certain factors (like exchange rates and international remittance policies) need to be considered.

Conclusion 

Remittances are more than just monetary transactions. For many Filipinos, remittances represent the enduring connection between them and the family they left back home to find better work opportunities.

Cebuana Lhuillier serves as a bridge for people separated by geographical distance but joined by a common need for financial services. If you are planning to send or receive money in any part of the country, just visit our branches and let our staff members assist you. For more information, feel free to contact our team.

What Is Bank Interest and How Does It Work on Micro Savings Accounts?

Introduction 

Most, if not all, of us want to have a passive income. Just imagine earning money without actually doing any work. Isn’t that a dream come true? With a savings account, you can earn passively through interest. Just ensure that your account balance is within the minimum amount needed to earn interest, and the bank will pay you for keeping your money in your deposit account.

With Micro Savings, even low-income families can have the opportunity to earn passively through interest. Learn more about Cebuana Lhuillier’s Micro Savings accounts and their interest rates by reading this article.

 

What Is a Micro Savings Account? 

A Micro Savings account is a basic account type offered by financial institutions. Like a regular savings account, it lets you deposit and withdraw your money, but the difference is that Micro Savings products are catered toward lower-income individuals. Often, these people open a Micro Savings account to encourage themselves to save and to protect their hard-earned assets.

The best thing about a Micro Savings account is it makes your assets liquid. You will have easier access to your funds whenever you need it, and it also earns modest interest that gives you extra cash over time.

Keep in mind that since cash is more liquid in a Micro Savings account, it also offers a lower interest rate compared to more restrictive investments and bank instruments. You may find a Micro Savings account with a competitive interest rate, though, if you visit us at Cebuana Lhuillier.

Cebuana Lhuillier’s Micro Savings account offers a competitive interest rate, which allows every Filipino account holder to have the opportunity to save and earn passively. This Micro Savings account also doesn’t have a required maintaining balance or a large minimum deposit, making it suitable for low-income earners.

Bank Interests, Explained 

Interests and interest rates can be complex topics, but it’s important to learn about them because they concern finances (or, more particularly, your own money). Below is a brief explanation of what they are and their perceived risks to your Micro Savings account:

What Are They? 

The interest rate can mean two different things. First, it can be defined as the percentage of your assets that the bank pays you to keep your money on deposit. By depositing your money in your savings account, you are basically lending your assets to the bank. The bank then uses your assets to invest in loans and other financial products.

The interest rate can also mean the amount that is charged over and above the principal amount lent in a loan. Whenever someone borrows money from the bank, this is the percentage that they have to pay back along with the money they borrowed. Now, what does this have to do with your Micro Savings account?

Since your assets contributed to the loan, the bank will pay you the interest rate, and you can earn money passively by maintaining the minimum balance required to earn interest.

Risks in Micro Savings Accounts 

There are no perceived risks to your assets when banks borrow your money to fund loans. This means that you can earn interest without worrying. The amount you saved in your account will still return to you, and it will not suffer any effects. The only thing that could change over time is the amount you can earn through interest.

Interest rates are responsive to the inflation rate. Most of the time, high interest rates are caused by rising inflation, while low interest rates are a response to low inflation. A bank can adjust the interest rate to stimulate the economy.

 

Why Banks Pay Interest to Account Holders 

Banks pay account holders because they use the money you deposit in your savings account to fund the credit loans of other users. These users are charged with an interest rate for borrowing money. Once the interest is paid by the borrower, the bank will give you your share.

Another reason why banks pay interest to account holders is to encourage people to keep saving their money as well as to attract new savers.

 

Open a Micro Savings Account With a Competitive Interest Rate! 

Learn how to passively earn some money by opening a Cebuana Lhuillier Micro Savings account with competitive interest rates. It was created for low-income earners who are looking for a bank that could accommodate their needs. While most banks come with the risk of high bank charges and extensive limitations, Cebuana Lhuillier Micro Savings barely has any limit for its account holders.

There is no minimum maintaining balance, so there is no risk of getting charged by the bank. Moreover, you can deposit any amount between ₱50 to ₱50,000. This makes it easier for you to save since you can be confident in depositing even a small amount.

The exciting part is that you can earn regular interest as long as you keep your account balance within or above ₱500. To make sure that your fund is within the minimum required rate to earn interest, be sure to regularly check your account balance.

Now, you might be wondering how to check Cebuana Lhuillier’s Micro Savings balance online. It’s easy. You can do so using the eCebuana app. Open the app and type in your login details to gain access to your Cebuana Lhuillier Micro Savings account. The screen will immediately display your balance on the dashboard.

 

Conclusion 

Interest is one of the most amazing features of a savings account. It allows you to earn passively over time without worrying about risks to your assets. With Cebuana Lhuillier, even low-income earners can open their Micro Savings accounts and experience the joy of earning interest.

Open your Cebuana Lhuillier Micro Savings account today at any of our branches nationwide. Get easier banking access through our services!

 

Cebuana Lhuillier Micro Savings is a product of Cebuana Lhuillier Rural Bank. Deposits are insured by PDIC up to P500,000 per depositor. Regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and email address [email protected]. A Proud Member of BancNet and UnionPay

DEPOSIT TO WIN IT RAFFLE PROMO

  1. This promo is available to all clients who deposit into a Micro Savings or Cebuana Savings account at any Cebuana Lhuillier or Cebuana Lhuillier Bank branches nationwide from May 1, 2025, to December 31, 2025.
  2. This promo is open to both new and existing clients who make deposits using either the Cebuana 24K Debit Card or the eCebuana app
  3. Clients will earn one raffle entry for every ₱1,000 deposit made into their MIcro Savings or Cebuana Savings account. 
ClientDeposit Transaction AmountNo. of raffle entries
Client 1₱3,0003
Client 2₱2,5002
Client 3₱900None
  1. To qualify for the raffle, clients must deposit at least ₱1,000 and maintain a minimum Average Daily Balance (ADB) of ₱1,000 per month. Depositing ₱1,000 without meeting the required ADB will not make a client eligible for the raffle.
  2. Clients must deposit every month to qualify for each draw; otherwise, the raffle entries earned in the previous month/s will reset.
  3. Every month, twenty-five (25) lucky winners will each receive a cash prize of Php 10,000.
  4. Monthly raffle draws will be conducted on the following dates: 
Cut-off PeriodDraw DateAnnouncement
May 1-31, 2025June 13, 2025 June 20, 2025
June 1-30, 2025July 14, 2025July 21, 2025
July 1-31, 2025August 14, 2025August 21, 2025
August 1-31, 2025September 12, 2025September 19, 2025
September 1-30, 2025October 13, 2025October 20, 2025
October 1-31, 2025November 14, 2025November 21, 2025
November 1-30, 2025December 12, 2025December 19, 2025
December 1-31, 2025January 14, 2026January 21, 2025
  1. Each qualified client can win only once throughout the promo duration.
  2. The raffle draws will take place at the PJLI ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air, Makati City, and will be conducted in the presence of representatives from Cebuana Lhuillier Bank and DTI via Zoom.
  3. All winners will receive an SMS and registered mail detailing the procedure for claiming their prize. The list of winners will also be announced on the official Facebook page of Cebuana Lhuillier Bank.
  4. All clients must update their personal information (e.g., name, address and active mobile/telephone) in the nearest Cebuana Lhuillier or Cebuana Lhuillier Bank branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
  5. The cash prize will be credited directly to their Micro Savings or Cebuana Savings account within 30 business days.
  6. Upon crediting of the prize, all winners must visit a Cebuana Lhuillier branch to present and complete the following requirements:

a. One (1) valid government-issued ID

b. Accomplished Winners Information Sheet

c. Signed Testimonial Consent Form

d. Signed Acknowledgment Receipt

  1.  P.J. Lhuillier Inc. will cover the 20% tax for prizes exceeding Php 10,000.00.
  2. Prizes must be claimed within 60 days from the date of receipt of the registered mail notification. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval of DTI.
  3. Employees of P.J. Lhuillier Group of Companies, including its agencies and services, as well as their relatives up to the second degree of consanguinity or affinity, are not eligible to join the e-raffle.


PER DTI FAIR TRADE PERMIT NO. FTEB-222108, Series of 2025

ALL-IN SA SERBISYO, CEBUANAMAZING RAFFLE PROMO

Mechanics:

  1. This promo is open to all clients who will avail of the qualified Cebuana Lhuillier products and services at any of the over 3,500 branches nationwide from February 15 to May 15, 2025.
 TransactionEntries
Sangla1
OFW Loan Disbursed1
Cycle Loan Disbursed1
Microbiz Loan Disbursed1
DomRem (including RTA)1
IntRem1
Insurance (PMax, HMax, Pamilya Care and CTPL)1
Micro SavinOFgs Opening1
CICO1
  1. Each transaction corresponds to a raffle entry/ies.
  1. There will be lucky clients who will win in the monthly and grand draw.
Monthly Draw
PrizeNo. of Winners & Prizes
1st PrizePhp20,000 x 9 winners
2nd PrizePhp5,000 x 27 winners
3rd PrizePhp3,000 x 45 winners
Grand Prize
1st PrizePhp100,000 x 3 winners
2nd PrizePhp20,000 worth pamalengke spress x 3 winners
3rd PrizePhp10,000 x 27 winners
  1. Cash prizes and palengke spree are transferrable but not convertible to cash.
  2. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.
DrawCut-off DateDraw Date
Month 1February 15 to March 14, 2025March 25, 2025
Month 2March 15 to April 14, 2025April 22, 2025
Month 3April 15 to May 15, 2025May 23, 2025
Grand DrawFebruary 15 to May 15, 2025May 23, 2025

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

  1. All clients can win up to four (4) times. Non-winning entries can still be used in the succeeding draws. 
  2. If a winner is drawn more than once per month, in the monthly or grand draw, he/she will receive the higher value.
  3. All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
  4. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.
  5. Announcement of winners will be shared thru in-branch announcement and social media pages of Cebuana Lhuillier.
  6. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.
  7. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
  8. Cebuana Lhuillier will shoulder the 20% tax in all cash prizes exceeding PhP10,000 in amount.
  9. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-214256, SERIES OF 2025.

Send and Save Promo

First time senders will get instant cashback of P100 when they send remittance from Cebuana Lhuillier to Western Union or Moneygram abroad

Mechanics: 

  1. This instant gratification promo is open to first time clients who will send remittance abroad from Cebuana Lhuillier to Western Union or Moneygram.
  2. Participating partners in the promo are Western Union and Moneygram only.
  3. Promo duration is September 1 to October 15, 2024, October 16 to 31, 2024.
  4. The promo is available in all 3,500 branches of Cebuana Lhuillier nationwide. 
  5. All first time clients will get instant P100 cashback for every transaction within the promo period, regardless of the amount of transaction. 
  6. All employees of PJ Lhuillier Group of Companies, Ad/Creative agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

Per DTI Fair Trade Permit 19947, 202691 Series of 2024.

WALANG LIMIT ANG LIBRE PROMO

Customers get raffle entries for every minimum P1,000 cash-in transaction, for a chance to win P5,000 or P3,000 monthly.

Mechanics: 

  1. New and existing clients who will cash in any e-wallet partner (GCash, coin.ph, MAYA, Diskartech, and CebEx) will earn e-raffle entries.
  2. Promo period is September 1 – November 30, 2024.
  3. The raffle promo is available in all 3,200+ Cebuana Lhuillier branches nationwide.
  4. It is applicable for cash-in transactions only, for a minimum of P1,000 cash-in.
  5. Clients can earn raffle entries for every transaction within the promo period.
    1. New clients get triple raffle entries.
    2. Existing clients get double raffle entries with every succeeding transaction
FREQUENCY RAFFLE ENTRIES 
New Clients x3 
1 transaction 2 
2 transactions 4 
3 transactions 6
  1. There will be a monthly draw to determine 10 winners of P3,000 and 3 winners of P5,000 per region.
PRIZE NO. OF WINNERS PER REGION FREQUENCY DURATION
P3,00010Monthly3 months
P5,0003Monthly3 months
  1. Raffle promo will run from September 1 to November 30, 2024.
  2. Raffle draw will be on the following dates, 11AM, at ICT Office, 3F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City in the presence of a DTI representative.
CUT OFF DATESDRAW DATEANNOUNCEMENT
September 1 – 30, 2024October 8, 2024October 22, 2024
October 1 – 31, 2024November 8, 2024November 22, 2024
November 1 – 30, 2024December 8, 2024December 22, 2024
Prizes shall be drawn under the supervision of a DTI representative. 
  1. Winners will be notified through their registered mail, contact number and email.
  2. Prizes will be released via Pera Padala Codes. Winners should claim their prizes in the Cebuana Lhuillier branch where they transacted in and must claim their prizes within sixty (60) calendar days upon receipt of the registered mail or their prize will be forfeited, with prior DTI approval. The winners must present a valid government ID to claim the prize
  3. Clients may only win once within the promo period. In case a name was drawn more than once in a draw date, the winner shall get the prize of higher value. Non-winning entries after each draw date are still qualified on succeeding draws, until the end of the promo period.
  4. Cash-in transactions are free of service charge until November 30, 2024.
  5. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

Cebuana Lhuillier Champions Financial Inclusion and Community Empowerment at Lab For All

By: Jed Flores

With an unwavering dedication to improving the lives of Filipinos, Cebuana Lhuillier played a pivotal role in the recent “Lab For All: Laboratoryo, Konsulta at Gamot para sa Lahat!” event held at Quezon City Hall. This program, spearheaded by the First Lady of the Philippines, Louise ‘Liza’ Araneta-Marcos, provided essential healthcare services to the public, while Cebuana Lhuillier’s involvement brought a crucial focus on community empowerment and financial inclusion. 

Cebuana Lhuillier, a key partner in this event, reaffirmed its commitment to serving the C, D, and E markets—groups that have long been underserved. The organization’s greater goal is to ensure that every Filipino, regardless of their financial situation, has access to financial services that can transform their lives, including the best savings account options in the Philippines.

Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, expressed his enthusiasm for the organization’s involvement: “At Cebuana Lhuillier, we believe in empowering Filipinos to build better futures for themselves and their families. Our participation in the ‘Lab For All’ event aligns with our mission to bring financial services and opportunities directly to the communities that need them most.”

At the event, Cebuana Lhuillier highlighted its innovative offerings designed to promote long-term well-being and financial security. Attendees were given the opportunity to open Cebuana Micro Savings accounts, an initiative that encourages the habit of saving, even among those with modest incomes. These accounts, paired with the complimentary Ipon Box, make saving an engaging and rewarding experience, positioning Cebuana Lhuillier as a leader in providing the best micro savings accounts in the Philippines.

In addition to promoting savings, Cebuana Lhuillier also offered its ProtectMax Insurance, a highly affordable plan tailored to shield families from unexpected financial emergencies. This insurance plan is part of Cebuana Lhuillier’s broader strategy to make essential financial protections accessible to all, ensuring that even the most vulnerable communities have a reliable safety net in times of need.

The Kanegosyo Center, another standout offering from Cebuana Lhuillier, served as an essential resource at the event. It provided aspiring entrepreneurs with the knowledge and tools needed to start their own businesses, reflecting Cebuana Lhuillier’s belief in the power of entrepreneurship as a vehicle for community upliftment and economic growth.

For Cebuana Lhuillier, the event was not just about providing services—it was about making a lasting impact. By participating in “Lab For All,” Cebuana Lhuillier reinforced its role as a leader in financial inclusion and community support, demonstrating that its commitment to the Filipino people extends far beyond business—it’s about building a future where every Filipino has the opportunity to thrive.

As Cebuana Lhuillier continues to expand its reach and enhance its services, it remains dedicated to empowering Filipinos across the nation, ensuring that financial security and opportunities for growth are accessible to all. The Lab For All event was a powerful reminder of the difference that can be made when a company like Cebuana Lhuillier commits to serving the needs of its community, one person at a time.

Cebuana Lhuillier Invests on Sparkles.ph to Expand Entry-Level Jewelry Market

To revolutionize the entry-level jewelry market in the Philippines, Cebuana Lhuillier has announced a strategic partnership with Sparkles.ph, an innovative startup jewelry company. Through this partnership, both companies aim to leverage their combined strengths and become more appealing to budget-conscious consumers who are looking for affordable yet elegant accessories.

Over the years, there has been a noticeable increase in demand for affordable luxury items in the world, yet its market in the Philippines remain small. PJ Lhuillier Inc., the mother company of Cebuana Lhuillier, came across Sparkles.ph, who has been growing 20% Month-on-Month and is profitable despite being a new startup. Cebuana saw it as a great opportunity to penetrate and establish a presence in the said market segment.

 To that end, Cebuana Lhuillier President and CEO Jean Henri Lhuillier, provided an equity investment and Credit Line to Sparkles.ph amounting to USD 2 million. This Pre Seed funding for the startup will be instrumental in enhancing Sparkles.ph’s production capabilities, expanding its product line, and boosting its market presence. This is a demonstration of strong commitment to the startup’s vision and potential. This investment is expected to provide Sparkles.ph with the necessary resources to scale its operations and meet growing demand.

Sparkles.ph, known for its unique offering of “Ampaw Gold” and lightweight jewelry, targets entry-level buyers. The startup offers its customers an 18k gold Chain with Pendant priced at approximately ₱1,200, an 18k gold pendant for Php699. These products appeal to a wide audience seeking contemporary styles at lower prices. More so, this market

segment has seen increasing demand for affordable yet quality jewelry, a niche that Sparkles.ph has adeptly filled.

Cebuana Lhuillier, on the other hand, is a leading financial services company with a vast network of close to 3,500 branches nationwide. To cater to diverse financial needs of Filipinos, the company also provides a wide range of jewelry products under its own brand aside from its pawning, micro savings, microinsurance, and microloans services, and money transfer in the Philippines.

“We see a tremendous opportunity in the entry-level jewelry market and believe that Sparkles.ph is well-positioned to lead this segment. Our partnership will not only provide the necessary capital for growth but also integrate Sparkles.ph into our ecosystem, creating value for our customers and stakeholders,” said Jean Henri Lhuillier.

 The collaboration between Sparkles.ph and Cebuana Lhuillier is expected to generate substantial benefits for both companies. Sparkles.ph will leverage Cebuana Lhuillier’s market presence and operational expertise to accelerate its growth, while Cebuana Lhuillier will gain a foothold in the burgeoning entry-level jewelry market.

“Joining forces with Cebuana Lhuillier marks a pivotal moment for our FinTech / E-commerce startup, Sparkles.ph. The funding and strategic partnership from Cebuana will enable us to scale our operations massively and fulfil our vision of making pawnable Jewelry affordable for every Filipino. We are excited about the future and the opportunities this partnership will create,” said Ryza Dipatuan – Razo, President and Founder of Sparkles.ph.

As Sparkles.ph and Cebuana Lhuillier embark on this collaborative journey, both companies are poised to make significant strides in the entry-level jewelry market. This partnership underscores the potential of combining innovative startups with established industry leaders to drive growth and create new market opportunities.

Cebuana Lhuillier Finance Corporation Funds 21 Agricultural Workers to South Korea

In a world of endless possibilities, Cebuana Lhuillier Finance Corporation (CLFC) stands as a beacon of hope, offering a myriad of products and services tailored to uplift the lives of countless Filipinos. From Motorcycle Loans that fuel dreams of mobility to Microbiz Loans that ignite entrepreneurial spirits, CLFC’s arsenal of financial solutions paves the way for a brighter future.

The 21 farmers from Mangatarem, Pangasinan, are stepping onto the global stage, fueled by the support of CLFC’s innovative loans. As they embark on their journey to South Korea’s agricultural fields, armed with the financial aid from CLFC, their aspirations take flight. These loans aren’t just numbers on paper; they are the keys to unlocking doors of opportunity, transforming dreams into reality.

“At Cebuana Lhuillier Finance Corporation, our mission transcends mere transactions. We are dedicated to crafting financial solutions that resonate with the Filipino spirit, empowering individuals and communities to thrive. Through our diverse range of services, we aspire to uplift every Filipino, enriching lives and fostering a brighter tomorrow for generations to come” adds Cebuana Lhuillier, President and CEO, Jean Henri Lhuillier.

Through CLFC’s unwavering commitment to empowering Filipino workers, these farmers and their families find newfound hope and stability. The impact reverberates far beyond financial security, touching the very essence of their existence. It’s about building a legacy, creating a better tomorrow for generations to come.

 “Cebuana Lhuillier Finance Corporation’s commitment to the welfare of Filipino farmers and the entire community of workers is unwavering. Our loan program extends beyond financial aid; it embodies our dedication to empowering communities and catalyzing sustainable growth. Through this initiative, we stand shoulder to shoulder with our farmers, enabling them to seize opportunities and cultivate a brighter future for themselves and their families” adds Annette Tirol, Senior Vice President and Group Head of Strategy, Customer Engagement, and Market Development at Cebuana Lhuillier.

Cebuana Lhuillier Finance Corporation remains steadfast in its commitment to fostering positive change and empowering individuals through its transformative loan services. Beyond financial transactions, it recognizes the profound impact of our support on the lives of Filipinos, exemplifying its dedication to building a brighter future.

To know more about the different products and services of CLFC visit www.cebuanafinance.com.  

CEBUANA LHUILLIER DEFINES MONEY TRANSFER SERVICES IN “SO MONEY WAYS”

Cebuana Lhuillier, the leading provider of money transfer services in the Philippines, has recently launched Pera Central—a revolutionary campaign in the money transfer segment cementing the Cebuana Lhuillier brand as a one-stop-shop for money transfer transactions—amidst the country’s prevailing cash-based economy and challenges related to financial exclusion. This transformative initiative aims to address these issues by offering comprehensive and inclusive services that cater to the diverse needs of Filipinos, all under one convenient platform. With over 3,200 nationwide locations operational even after banking hours and on holidays, and leveraging a vast network of 3 million global touchpoints for international remittances and 25 thousand domestic agent partners, add to this the send to banks services, bills payment, cash in and cash out, collections, payouts and e-load services,Cebuana Lhuillier ensures accessible and user-friendly financial solutions for individuals and communities across the country.

Pera Central was introduced through a captivating jingle, a TVC and dance steps performed by brand ambassador Alden Richards, signaling a new era in money transfer services. Recognizing the urgent need to bridge the gap between traditional cash transactions and digital payment methods, Cebuana Lhuillier is revolutionizing money transfer practices, empowering individuals and communities through seamless transactions. This innovative approach reflects Cebuana Lhuillier’s commitment to driving positive change and fostering financial inclusion in the Philippines.

Erl Sumanga, First Vice President and Group Head of the Money Transfer Group at Cebuana Lhuillier, emphasized the company’s unique positioning, stating, “Nobody details the different facets of money transfer like Cebuana Lhuillier. From cash-in and cash-out transactions to POS Cash Out Withdrawals, domestic and international remittances, and efficient payout services, Cebuana Lhuillier serves as the central hub for seamless transactions through our extensive network of locations and partners.”

Cebuana Lhuillier’s dedication to redefining money transfer services is encapsulated by its new tagline, “So Money Ways,” which highlights the endless connections and possibilities offered by their comprehensive range of services across the country., Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, affirmed this vision, stating, “Amidst the challenges of financial exclusion and the predominance of cash transactions in the Philippines, our goal is to bridge the gap by offering diverse and seamless solutions that cater to every Filipino’s unique financial needs. Through our extensive network and innovative approach, we are committed to empowering individuals and communities, one transaction at a time.”

This transformative initiative underscores Cebuana Lhuillier’s pivotal role in shaping the future of financial services in the Philippines, setting new standards for accessible and secure money transfer solutions.

To explore more about Cebuana Lhuillier’s innovative money transfer services and stay updated with the latest news and promotions, visit our official social media channels:

Follow us on: Facebook, Instagram, Tiktok and Youtube.

eCeBuenas 4.0 Raffle Promo

COMPLETE MECHANICS

1. Must be a registered eCebuana app user.

2. Must transact to any of the following within the promo period:

A. Bills Pay

B. Instapay Transfer

C. Buy Load

D. Pera Padala

MonthPrizeNumber of winners
 July Cash of Php 2,000 5

August
Cash of Php 2,000
5

September
Cash of Php 2,000
5
October
Cash of Php 2,000
5
November
Cash of Php 3,000
5
December
Cash of Php 3,000
5
Cash of P5,0003
Cash of P10,0002

3. Promo will run from July 15, 2024 to December 31, 2024. Each registered eCeb user should transact via eCebuana App to earn an e-raffle entry/ies.

4. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.

DrawCut-off datesDraw DateTime of DrawAnnouncement
JulyJuly 15 – 31, 2024Aug 8, 20243PMAugust 13, 2024
AugAug 1 – 31, 2024Sept 10, 20243PMSept 13, 2024
SeptSept 1-30, 2024Oct 8, 20243PMOct 13, 2024
OctOct 1-31, 2024Nov 8, 20243PMNov 13, 2024
NovNov 1-30, 2024Dec 10, 20243PMDec 13, 2024
DecDec 1-31, 2024Jan 8, 20243PMJan 13, 2024

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

5. Cash prizes will be credited to client’s MSA or CSA.

6. All qualified clients can only win once. Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.

7. All clients must update their personal information (e.g., name, address and active mobile/telephone) in the nearest Cebuana Lhuillier Rural Bank branch or Cebuana Lhuillier Pawnshop branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.

8. All winners will receive thru registered mail  bearing the procedure on how they will be able to claim their prize. Announcements of winners will be notified via registered email and in the official Facebook page of Cebuana Lhuillier Bank.

9. Cebuana Lhuillier Rural Bank shall not be liable if the winners did not receive the registered mail due to outdated personal information.

10. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier Bank with prior approval from DTI.

11. Cebuana Lhuillier Bank shall shoulder the 20% prize tax for the prizes exceeding P10,000.

12. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-198317 SERIES OF 2024

Insta win sa Cash In promo!

COMPLETE MECHANICS

  1. All clients who will cash in to any e-wallet partner (GCash, Coins.PH, MAYA, Diskartech, and CebEx*) at any Cebuana Lhuillier branch and Authorized Agents will earn an e-raffle entry for every successful transaction.
  • Each cash in has an equivalent raffle coupon
    • New Client Cash In: 2 raffle coupons
    • Existing Client Cash In: 1 raffle coupon
    •  Cash In>P1,000: additional 1 raffle coupon
  • There will be a weekly draw, 10 winners of 5,000 every week. 
  • All clients who will cash in at any e-wallet partner (GCash, Coins.PH, MAYA, Diskartech, and CebEx*) at any Cebuana Lhuillier branch will also play our Pick a prize promo.
  • Lucky winners will win any of the following:
    • Alcohol bottle
    • Coin purse
    • Pouch
    • Fan
    • P10
  • Promo will run from March 1 to May 31, 2024.  Each client who will cash-in or cash-out will earn e-raffle entry/ies and will play our Pick A Prize promo.
  • Raffle draw will be on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City in the presence of a DTI representative.
Cut-off datesDraw DateTime of DrawAnnouncement
March 1-9Mar-152pmMar-22
March 10-16Mar-222pmMar-29
March 17-23Mar-292pmApr-05
March 24-30Apr-052pmApr-12
March 31-April 6Apr-122pmApr-19
April 7-13Apr-192pmApr-26
April 14-20Apr-262pmMay-03
April 21-27May-032pmMay-10
April 28-May 4May-102pmMay-17
May 5-11May-172pmMay-24
May 12-18May-242pmJun-07
May 19-31Jun-072pmJun-14

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

  • All qualified clients can only win once. If a name was drawn more than once in a draw date he/she gets the prize of higher value. Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.
  • All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
  • All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.
  • Announcement of winners will be shared thru the in-branch mini poster and social media pages of Cebuana Lhuillier.
  • All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
  • All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

SWELDO-IT WITH CEBUANA PROMO

  1. This instant gratification promo is open to clients who will claimtheir international remittance from the following participating partners
PARTNERS
AGGREGATORASPACEMEAUSCAN
MONEYGRAMTRANGLO SDN BHD.NEW YORK BAY PHILIPPINES, INCREMITLY INC.
WESTERN UNIONPINOY EXPRESS HATID PADALA SERVICES, INC.AFTAB CURRENCY EXCHANGE LIMITEDPAYPAL PTE LTD (XOOM)
METROBANKWING (CAMBODIA) LIMITED SPECIALISED BANKLIMITEDOMNEX GROUP INC
RIA FINANCIALJAPAN REMIT FINANCE CO. LTD.BFC BANK LIMITEDVIAMERICAS CORPORATION
BDO UNIBANKCIMB ISLAMIC BANKINSTANT CASH FZEATIN ITO VARIETY BAKERY AND REMITTANCE LTD
WORLDREMIT LTD.MAX MONEY SDN BHDINTEL EXPRESS WORLDWIDE MONEY TRANSFERSFAMILY EXPRESS CANADA., LTD.
SIGUE/COINSTARFINSHOTMASARI PAYMENT SERVICES LTDFILREMIT CORP
IREMITFRANKI EXCHANGE CO.OPTIMUM EXCHANGE REMIT INC
LBC EXPRESS INC.EEC INT’L PHILS CORPUREMIT INTERNATIONAL CORPORATION
CHINABANKKABAYANWORLDCOM INTERNATIONAL COMMUNICATION LTD.
BPIMERCHANTRADE ASIA SDN BHDMERCHANTRADE ASIA SDN
BHD
AUBPLACID NK CORP
RCBCSMJ TERATAI SDN BHD
BOCTML REMMITTANCE CENTER SDN BHD
PNB
DBP
LBP
EMQ
TRANSFERTO

2. All payout clients will get instant PHP 25 cash for their transaction regardless of the amount if they transact on the following dates:

Kinsenas Sweldo DatesFeb 15, 16, 17
Mar 15, 16, 17
Apr 15, 16, 17
May  15,16,17
Jun 14,15,16
Katapusan Sweldo DatesFeb 29,
Mar 1,2
Apr 30,
May 1, 2
May 30, 31
Jun 1
Jun 28,29, 30

All employees of P.J. Lhuillier Group of Companies, Ad/ Creative Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-185593 SERIES OF 2024

eCebuenas 3.0: Bills Pay and Instapay Raffle Promo

COMPLETE MECHANICS

1. Must be a registered eCebuana app user.

2. Must transact to any of the following within the promo period:

A. Bills Pay

B. Instapay Transfer

MonthPrizeNumber of winners
 February Cash of Php 2,000 5

March
Cash of Php 2,000
5

April
Cash of Php 5,000
1
Iphone 15 Pro Max1

3. Promo will run from February 1, 2024 to April 30, 2024. Each registered eCeb user should transact bills payment and instapay transfer via eCebuana App to earn an e-raffle entry/ies.

4. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.

DrawCut-off datesDraw DateTime of DrawAnnouncement
FebruaryFebruary 1 – 29, 2024March 8, 20243PMMarch 13, 2024
MarchMarch 1 – 31, 2024April 8, 20243PMApril 12, 2024
AprilApril 1 – 30, 2024May 8, 20243PMMay 13, 2024

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

5. Cash prizes will be credited to client’s MSA or CSA.

6. All qualified clients can only win once. Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.

7. All clients must update their personal information (e.g., name, address and active mobile/telephone) in the nearest Cebuana Lhuillier Rural Bank branch or Cebuana Lhuillier Pawnshop branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.

8. All winners will receive thru registered mail  bearing the procedure on how they will be able to claim their prize. Announcement of winners will be notified via registered email and in the official facebook page of Cebuana Lhuillier Bank.

9. Cebuana Lhuillier Rural Bank shall not be liable if the winners did not receive the registered mail due to outdated personal information.

10. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier Bank with prior approval from DTI.

11. Cebuana Lhuillier Bank shall shoulder the 20% prize tax for the prizes exceeding P10,000.

12. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-185442 SERIES OF 2024

Cebuana Lhuillier beefs up products with fintech deal

CEBU, Philippines —  Cebuana Lhuillier has entered into a partnership deal with fintech firm Advance, to expand its micro-finance products to providing financial assistance to employers for their workers’ salary loan requirement.

The partnership established the Cebuana Lhuillier Advance service, aimed at empowering employers to extend on-demand financial assistance to their employees. 

Cebuana Lhuillier President and CEO Jean Henri Lhuillier said companies that enroll in Cebuana Lhuillier Advance, will discover how convenient the program is, as it allows them to provide salary loans to employees without disrupting their firms’ cash flow. “It also comes without any cost or liability on their part.”

“With the program, we hope to help more Filipinos navigate their way through financial challenges and onto the road to financial wellness”, said Lhuillier.

Jaime de los Angeles, Advance chief executive officer (CEO) and co-founder expressed confidence that with the partnership, more Filipino workers will be able to access financial requirement especially in times of need.

“We are elated to be now part of Cebuana Lhuillier’s ecosystem promoting financial inclusion and mobility. Now, even more companies and employees will benefit from Cebuana Lhuillier Advance. We look forward to the positive impact this product will make towards narrowing the national credit gap,” added De Los Angeles.

Advance is a Philippine-based fintech company that provides on-demand access to credit and other financial solutions to employees and businesses.

Aligned with its mission to serve the unbanked and underserved segments of society, Advance recently announced its expansion into Vietnam by acquiring BravoHR, a platform that provides digital solutions for employee engagement, benefits, and rewards. Advance plans to introduce more innovative financial products and offer its services to more businesses in the Philippines and Vietnam.

Cebuana Lhuillier Advance is the company’s first addition this year to their microloans product portfolio and serves as a springboard for other innovative products that will soon be launched this year.

Lhuillier underscored that with the way things are moving forward with Advance, Cebuana Lhuillier is most certainly well on its way to cementing its leadership in the Philippines’ micro-finance industry, from being known as one of the top players in the pawnshop business.

Cebuana Lhuillier Insurance Brokers Inc. (CLIB) Wins Domestic Broker of the Year at Insurance Asia Awards 2022

Two years after its transformation into an insurance brokerage firm, Cebuana Lhuillier Insurance Brokers Inc. (CLIB) bagged the Domestic Broker of the Year – Philippines award at the Insurance Asia Awards 2022. CLIB’s initiative in offering its products in the digital space was also recognized by winning the Insurtech Initiative of the Year.

On itsseventh year, the Singapore-based award honors exceptional insurance companies in Asia that deliver outstanding initiatives, products, and solutions to its clients.

The award affirms CLIB’s efforts to provide Filipinos with better access to more inclusive and affordable insurance and Cebuana Lhuillier’s market leadership and commitment to push financial inclusion to its stakeholders even in the times of uncertainty.

“We are honored to be recognized by an internationally-acclaimed award-giving body like Insurance Asia Awards. This is a strong testament to our commitment of providing excellent insurance products to our kababayans that they can rely on during the most challenging of times. Guided by our mission of financial inclusion, we will remain steadfast in our commitment to serve our clients by continuously innovating our products and services,” says Jean Henri Lhuillier, Cebuana Lhuillier president and CEO.

With the continuous collaborations and partnerships with reliable and reputable insurance providers, CLIB has been able to expand its roster of services. Its current portfolio has a total of more than 150 products from personal, life, health, vehicle, and business and liability insurance, which are being offered across Cebuana Lhuillier’s over 3,000 branches nationwide, as well as other CLIB platforms and distribution partners.

The Insurtech Initiative of the Year award also recognizes CLIB’s acceleration of its digital transformation through offering its products and services online. This transformation allowed CLIB to reach an untapped market that stands to benefit most from affordable and accessible insurance products.

“We are deeply humbled by these prestigious awards. Year after year, we try to come up with innovative solutions for the market that we serve. This pandemic pushed us to elevate our services by expanding our digital footprint to meet the growing demands of our clients. We will continuously assert our relevance by constantly enabling our clients to get protected easily, anytime and anywhere,” said Jonathan Batangan, First Vice President and Group Head for CLIB.

“Since the pandemic started in 2020, CLIB showcased its innovations by digitizing its services using different apps and forging strategic partnerships with various online platforms. As an insurance brokerage offering a variety of affordable insurance products, CLIB was able to bridge the protection gap during the pandemic through digital payment aggregators, e-commerce, banking apps, the insurance marketplace, and online banking platforms,” added Anthony Lou Bernabe, CLIB Interim Group Head.

Its web-based app ProtectNow acts as a one-stop insurance shop, allowing clients to compare the lowest prices of insurance offerings, monitor their insurance policies and claims in real-time and aggregate the best possible insurance options for home, auto, travel, and family insurance needs from the most credible insurance companies in the Philippines.

Blu Boys compete in Men’s Softball Asia Cup

  • The Philippine Blu Boys seek to make an impact when they compete in the 2023 Men’s Softball Asia Cup in Kochi, Japan starting Sunday, June 25.

The Philippine Blu Boys seek to make an impact when they compete in the 2023 Men’s Softball Asia Cup in Kochi, Japan starting Sunday, June 25.

Six countries are battling for the top honors in the tournament composed of host Japan, Philippines, Chinese Taipei, Indonesia, Singapore and Hong Kong.

Amateur Softball Association of the Philippines (ASAPHIL) President Jean Henri Lhuillier is excited and confident that the team will do well in the three-day event.

“They have trained well for this moment and we have nothing but all-out support for the squad,” Lhuillier said.

The team is composed of John Israel Antonio, Jerome Bacarisas, Leo Barredo, Denmark Bathan, Melvin De Castro, Lyonas De Leon, Juliuz Dela Cruz, Mark Janzen Gaspi, Francis Generoso, John Norwen Lucas, Efril Ian Mercado, Micheal Pagkaliwagan, Reagan Parco, Gerone Riparir, Justine John Rosales, and Kenneth Torres.

Three teams under ASAPHIL are also set to compete in three world championships this year: the WBSC Women’s Softball World Cup; the WBSC Co-Ed Slow Pitch Softball World Cup and the WBSC World Cup Under Girls-15 Women’s Softball.

Cebuana Lhuillier Bank reopens its Nasugbu branch

Cebuana Lhuillier Bank (CLB), the banking arm of PJ Lhuillier, Inc., reopened its Nasugbu branch in a more central location that is more accessible to micro, small, and medium enterprises (MSMEs).

The momentous event was graced by Cebuana Lhuillier Senior Executive Vice President Philippe Andre Lhuillier, CLB President Dennis Valdes, CLB Vice President Jimmy Ang, CLB Board Directors Ma. Rhodora Bañares and Andrew David Alcid, and Nasugbu Vice Mayor Mildred Belo-Sanchez.

Through the bank’s tireless efforts, CLB has grown exponentially from being a small rural bank in Cavite to one of the most innovative names in the banking industry. CLB is also set to expand and open more branches around the Philippines this year.

Blu Boys blank Hong Kong, forge battle for bronze

  • The Philippine Blu Boys blanked Hong Kong, 8-0, to forge a battle for the bronze medal and remain in the hunt for a World Cup berth in the 2023 Men’s Softball Asia Cup in Kochi, Japan Tuesday, June 27.

The Philippine Blu Boys blanked Hong Kong, 8-0, to forge a battle for the bronze medal and remain in the hunt for a World Cup berth in the 2023 Men’s Softball Asia Cup in Kochi, Japan Tuesday, June 27.

Leo Barredo and Lyones de Leon took turns in pitching a no-hitter while Kenneth Torres batted in a run that ignited a decisive four-run binge in the second inning that helped seal the rout.

The win earned the Cebuana Lhuillier-financed Blu Boys, who wound up with a 3-2 win-loss mark after the eliminations, a spot in the battle for third place Wednesday, June 28, with another victory ensuring them a World Cup berth.

It was also redemption of sorts for the country after absorbing a pair of defeats to powerhouse Japan, 6-0, and 2019 Southeast Asian Games gold medalist Singapore, 9-5.

Japan and Singapore will clash for the gold also Wednesday after finishing the elims with 5-0 and 4-1 marks, respectively.

“The team has given us nothing but pride and hope that we can once again reach the World Cup,” said Amateur Association of the Philippines president Jean Henri Lhuillier.

“We are now more determined than ever to give it our best,” he added.

The Philippines had already clinched slots in three separate World Cups after the Blu Girls, the co-ed slo-pitch team and the women’s Under-15 squad all advanced to the stage.

Cebuana Lhuillier partners with Advance to press on with financial inclusion mission

There is no stopping Cebuana Lhuillier, the undisputed leader in the Philippines’ micro financial services industry, in its pursuit of financial inclusion and financial mobility for Filipinos with the launch of Cebuana Lhuillier Advance.

Helping with Filipinos advance towards financial inclusion (Standing from L to R): Anton Lopez, Director of External Affairs,, Advance; Annette Tirol, SVP, Cebuana Lhuillier; Stef Lim, COO, Advance; Jaime de los Angeles, CEO & Co-Founder, Advance; Philippe Andre Lhuillier, SEVP, Cebuana Lhuillier; and Cliff Cabungcal, CFO, Cebuana Lhuillier. Seated from L to R are: Addi Guevara, CFO & Co-Founder, Advance; Ambassador Philippe Jones Lhuillier, Chairman & Founder, Cebuana Lhuillier.; and Jean Henri Lhuillier, President & CEO, Cebuana Lhuillier

In partnership with Advance, the country’s leading provider of on-demand credit for employees, Cebuana Lhuillier Advance addresses financial stress, one of the most widespread concerns holding people back at work, by enabling employers to provide on-demand financial assistance to their employees. It is very convenient on the part of the employers, especially the micro, small, and medium enterprises (MSMEs), as it comes without cost or liability to them. It also simplifies the salary deduction process and allows them to provide salary loans to their employees without disrupting the cash flow used to manage and grow their business. More importantly, companies may use the product to increase and improve employee productivity, engagement, and retention.

Through its mobile app, Cebuana Lhuillier Advance provides employees with 24/7 instant access to much-needed cash that will come in handy for emergencies and daily needs. Once their company gets enrolled in the program, employees receive a revolving line of credit that is automatically replenished upon repayment. Users have three convenient short-term repayment periods to choose from, ensuring that transactions are not heavy on the pocket come payday.

“At Cebuana Lhuillier, our mission has always been to provide Filipinos with excellent products that address their financial needs and help them in their financial wellness journey. I am very excited about this new product as it not only benefits the end-users but at the same time, companies, especially MSMEs as well,” said Cebuana Lhuillier President and CEO Jean Henri Lhuillier.

Jaime de los Angeles, Advance CEO and co-founder, shares the same excitement. “We are elated to partner with Cebuana Lhuillier, the undisputed leader in the microfinance industry. Now, even more companies and employees will benefit from Cebuana Lhuillier Advance. We look forward to the positive impact this partnership will make towards narrowing the national credit gap.”

Cebuana Lhuillier Advance is the latest thrust of the company to beef up its roster of products as it cements its leadership in the microfinance industry. It is also the first addition this year to its microloans product portfolio with several more to come within the year.

For more than three decades, Cebuana Lhuillier has grown from being the country’s most trusted pawnshop into one of the most innovative and largest micro financial services provider in the Philippines, offering money transfer, microinsurance, microloans, banking, and more recently with micro-savings, jewelry selling, and a slew of digital products such as ProtectNow, eCebuana, Quikz, and Cebuana from Home. The company also boasts the widest network, with more than 3,000 Cebuana Lhuillier branches, 30,000 domestic partner branches, and three million international partner locations.

Cebuana Lhuillier promises instant remittances with integration into the Stellar Blockchain network

Cebuana Lhuillier has announced the integration into the Stellar blockchain network. This partnership reinforces its venture into blockchain based payment services.

The partnership with the Stellar network allows customers to receive cross-border remittance payments almost instantly and more conveniently at more than 3,000 Cebuana Lhuillier branches across the Philippines.

This new setup is a blockchain-powered alternative to traditional remittance flows, which typically come with long waits for users, and heavy capital requirements that limit scale and liquidity for Money Transfer Operators (MTOs). The alternative significantly alleviates the challenges faced by MTOs by allowing them to settle payments immediately instead of after days via traditional fiat rails.
image006.png

This allows Filipinos working overseas who rely on remittance companies like Cebuana Lhuillier to send support to their families in the Philippines. Currently, the Philippines remains one of the top five recipient countries for money remittances, with millions of Overseas Filipino Workers spread out across the globe, forming a key part of a $31 billion-dollar industry.

“Cebuana Lhuillier has always stood by its mission of providing financial inclusion to Filipinos, and that includes the millions of Overseas Filipino Workers, considered modern-day heroes, who toil away overseas in order to provide a better future for their families. Our integration with the Stellar network is part of Cebuana Lhuillier’s constant innovation of its tried-and-tested financial services, all for the purpose of making it easier, more convenient, and more cost-effective for recipients in the Philippines to instantly receive their remittances from abroad,” shared Jean Henri Lhuillier, Cebuana Lhuillier president and CEO.

The Stellar network is a decentralized, fast, scalable, and uniquely sustainable network for financial products and services. This integration with Stellar is part of Cebuana Lhuillier’s move towards further exploration of fintech in order to increase the efficiency and convenience of its services.

“As Cebuana Lhuillier joins the Stellar ecosystem, a powerful route for affordable and instant remittances emerge in the Philippines,” said Denelle Dixon, CEO and Executive Director of the Stellar Development Foundation. “Together, we are improving the global financial system by bringing more equitable access to critical markets. Stellar is the network built for payments around the world and this is a step in fulfilling our mission.”

*“*This integration with Stellar is just one of the many initiatives of Cebuana Lhuillier. We are setting our sights on ensuring a seamless transfer between the offline and online channels for the business and putting systems in place that focus on convenience, accessibility, and efficiency. Our goal is to ensure that every Ka-Cebuana will be able to seamlessly send and receive money via Cebuana Lhuillier, anytime, anywhere, everywhere—whether via physical transactions or through their mobile phones,” added Erl Sumanga, General Manager and Head for Cebuana Lhuillier’s Money Transfers Business.

Palengke Pawntastic

Promo duration: February 1 to April 30, 2024

FULL MECHANICS

  1. Ang promo period ay mula February 1 to April 30, 2024.
  2. Ang promo na ito ay bukas para sa mga client na may sumusunod na transactions:
  3. Bagong Sangla
  4. Renewal (Tubo) ng sangla
  5. Lahat ng qualified clients na magsasangla o magre-renew mula February 1 to April 30, 2024 ay makakakuha ng e-raffle entry/ies depende sa kanilang qualifications.
Transaction TypeClient TypeEntries
Bagong SanglaNew CIF3 entries
Lipat Sangla/Dormant Pawner3 entries
Existing Pawner2 entries
Tubo/RenewalExisting Pawner2 entries
  • Kada buwan, may mananalo ng alinman sa mga sumusunod:
Monthly PrizeNumber of WinnersAmount
1st Prize8 winnersPhp10,000 worth of palengke shopping spree
2nd Prize24 winnersPhp5,000 worth of palengke shopping spree
3rd Prize77 winnersPhp3,000 worth of palengke shopping spree
  • Ang raffle draws ay gaganapin sa mga sumusunod na dates sa ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.
DrawCut-off DateDraw Date
Month 1February 1 to 29, 2024March 12
Month 2March 1 to 31, 2024April 10
Month 3April 1 to 30, 2024May 10

Ang draw ay sasaksihan ng isang authorized DTI Representative

  • Ang lahat ng mga new CIF clients na mananalo sa monthly raffle draws ay makakakuha ng dagdag Php1,000 worth of palengke shopping spree.
  • Ang lahat ng clients ay maaari lamang manalo ng isang beses. Lahat ng mga entries na hindi mananalo ay maaaring isama sa mga susunod na draw.
  • Ang mga napanalunang premyo ay non-transferrable at hindi maaaring i-convert sa cash.
  • Ang mga napanalunang premyo ay maaari lamang gamitin upang ipambili sa palengke na napagkasunduan sa pagitan ng Cebuana Lhuillier at ng validated winner.
  • Ang lahat ng clients ay kailangang mag-update ng kanilang personal na impormasyon (e.g., name, address and active mobile/telephone) sa branch kung saan sila nagsasangla o nagre-renew sapagkat ang impormasyon na ito ay magiging basehan ng marketing team sa pagpapadala ng registered mail at text message sa mga mananalo.
  • Ang lahat ng mananalo ay makakatanggap ng registered mail na naglalaman ng paraan kung paano nila makukuha ang kanilang mga premyo. Kailangan nila itong ipakita sa branch kung saan sila nag-transact kasama ang isang valid ID at tax identification number sa loob ng redemption period.
  • Ang mga pangalan ng winners ay iaanunsyo sa pamamagitan ng branch poster at social media pages ng Cebuana Lhuillier.
  • Ang Cebuana Lhuillier ay hindi mananagot kung hindi makakatanggap ang nanalo ng registered mail dahil hindi updated o mali ang kanilang impormasyon sa record.
  • Ang lahat ng nanalo ay mayroon lamang sixty (60) calendar days para makuha ang kanilang premyo mula sa araw ng pagtanggap nila ng registered notice.
  • Lahat ng hindi nakuha o hindi na-claim na mga premyo ay forfeited na pabor sa Cebuana Lhuillier at may pahintulot mula sa DTI.
  • Lahat ng empleyado ng P.J. Lhuillier Group of Companies, Ad/Creatives Agency, PR at Media agencies, at ang kanilang mga kamag-anak hanggang second degree ng affinity o consanguinity ay hindi pinapayagang sumali sa promo na ito.

Per DTI Fair Trade Permit No. FTEB-183845 Series of 2024

Cebuana Lhuillier and Smart Load Rewards Program

Program Duration: January 15 to March 15, 2024
Exclusivity: Smart and TNT
PROMO MECHANICS:

  1. Promo will run from January 15-March 15, 2024.
  2. Promo is open to all new and existing Smart/TNT Prepaid subscribers.
  3. For every purchase of P150 Smart or TNT e-load in Cebuana Lhuillier Branches or E-Cebuana
    app, customer will get P10 free load.
  4. Customer will automatically get the instant Php 10 free load after purchase.
  5. One availment per target subscriber per day only.
  6. Upon redemption of the freebie, the store frontliner shall stamp the receipt REDEEMED to
    avoid re-use.
  7. Freebie is non-transferable and non-convertible to cash.
  8. Redemption of freebie only valid during the promo duration.
  9. All complaints and queries regarding the promotional activity may be attended by our toll-fee
    24/7 hotline that may be reached by dialing *888 from any Smart Postpaid or Prepaid line.

    DTI Fair Trade Permit No. FTEB-183672 Series of 2024

From Pawn to King: Strategically Growing a Family Business Into an Empire, According to Jean Henri Lhuillier of PJ Lhuillier Group of Companies

Whether it’s transforming Cebuana Lhuillier into a microfinancing empire or making waves in various industries, learn successful strategies from the man behind it all: Jean Henri Lhuillier.

Lhuillier is a name that has long been established in the Philippine business landscape, as the family has become foremost known for Cebuana Lhuillier—the biggest microfinancing institution in the Philippines with over 3,000 branches, nationwide. Known foremost for its financial services that span pawning, remittance, microinsurance, micro-savings, and business-business microloan solutions, the company has been supporting Filipinos financially since its establishment in 1988.

Beyond its impact in microfinancing, however, the PJ Lhuillier Group of Companies (PJLGC) owns businesses in diverse industries, including hospitality (Le Soleil de Boracay Hotel and Bacau Bay Resort Coron), jewelry (Just Jewels), tech (Networld Capital Ventures, Inc.), banking (Cebuana Lhuillier Bank), and insurance (Cebuana Lhuillier Insurance Brokers, Inc.), and more—thus solidifying its presence in the Philippines.

Leading the charge is Jean Henri Lhuillier—a man with just as many accolades and businesses tied to his name. Known among business circles as the President and CEO of the PJ Lhuillier Group of Companies, he is a man who dons many hats, as he too is the Honorary Consul General of the Republic of San Marino to the Philippines, the President of Unified Tennis Philippines (UTP) and Amateur Softball Association of the  Philippines (ASAPHIL), and an angel investor in many businesses.

In this exclusive interview with The Business Manual, he reveals the story behind PJ Lhuillier Group of Companies, the success secrets in growing the family business into the empire that it is today, and what he has learned in his journey as an entrepreneur.

Learning the Ropes

With its foundation deeply rooted in its humble beginnings as a pawnshop called Agencia Cebuana, pawnbroking was the bread and butter of the Lhuillier family.

This meant that at an early age, Jean Henri was exposed to its operations. “When I was a lot younger, my dad used to always take me around to the pawnshops,” he begins. “He actually moved to Manila from Cebu in 1970 [and] he came here as an entrepreneur to build a business as well.”

Reference: https://thebusinessmanual-onemega.com/strategically-growing-family-business-jean-henri-lhuillier-pj-lhuillier-group-of-companies/

Jean Henri Lhuillier reaffirms commitment to Philippine softball

Jean Henri Lhuillier, a long-time Philippine Sports Patron vowed to continue supporting tennis and softball in the country.  Lhuillier, current president of the Amateur Softball Association of the Philippines (ASAPHIL) as well as the Unified Tennis Philippines (UTP) is elated with the progress of the programs of both sports association and is excited with their plans for the year.

“I am very upbeat for this year especially for our softball national teams as well as our top tennis players. There are lots of international tournaments lined up for them and I’m confident they will perform well and continue putting the Philippines in the softball and tennis maps”, said Lhuillier, ASAPHIL and UTP President.

Lhuillier has been the main supporter of the both the RP Blu Boys and Blu Girls, multi-gold medalists in Southeast Asian Games and consistent podium finishers in Asian Level. Lhuillier is also the man behind top tennis players former world number 17 Treat Huey; doubles specialist and currently ranked 136 Ruben Gonzales; and, former Australian Juniors doubles champion Francis Casey Alcantara,   personally funding their international competitions for several years now.

The RP Blu Girls are currently deep in training for the upcoming Women’s Softball Asia Cup to be held in South Korea from April 2-8.  They are also expected to contend for a medal together with the Blu Boys in the Asian Games on September .  Cebuana Lhuillier Sports Ambassadors Huey, Gonzales and Alcantara are all currently representing the country’s colors in the ATP and ITF doubles competitions. All them won several titles in ITF doubles tournaments in 2022 and all are just outside the elite world’s top 100 doubles  players.

Lhuillier is not only focusing on the elite athletes.  Thru ASAPHIL and UTP, Lhuillier spearheads grassroots development thru hundreds of age-group tennis competitions, open tournaments and even club tournaments thru the help of sponsors Cebuana Lhuillier, Palawan Pawnshop, UNILAB, Mr. Freeze, PhilCare,  Navegar, DFNN, Madison Galeries, Asia Traders Corp and Chris Sports,  to discover fresh tennis talents.  ASAPHIL, on the other hand,  is excited to bring back national competitions to continuously hone local talents in preparation for international competitions in the years to come.

Lhuillier explained: “I have high hopes for both Philippine softball and tennis as these are the two sports where I firmly believe Filipinos have what it takes to be the world’s best, and I vow to continue giving them my all out support to make this a reality”.

Reference: https://mb.com.ph/2023/02/15/jean-henri-lhuillier-reaffirms-commitment-to-philippine-softball/

Jean Henri Lhuillier: 3 Decades after, his passion for helping Philippine Tennis & Softball continues

Jean Henri Lhuillier, the visionary who changed the landscape of microfinance in the country, has been also helping transform the country’s sports program in a big way. A stalwart supporter of Philippine sports for over 30 years, his extensive contributions span multiple disciplines including basketball in the past. But most notably, Lhuillier was celebrated for his commitment to grassroots sports development and for bolstering the country’s national teams of both softball and tennis.

photo

TENNIS PATRON FOR 3 DECADES

Lhuillier’s first foray in supporting tennis development in the Philippines started way back in 1998 with the staging of a series of Cebuana Lhuillier Men’s Tennis Open tournaments and ever since that, there was no stopping him from pushing Philippine tennis to greater heights.

He has since helped the development of tennis in the Philippines through various ways such as grassroots program through the Cebuana Lhuillier Age Group tennis which has consistently held more than 50 tournaments nationwide for more than a decade already. From these tournaments were the likes of future national team members like Francis Casey Alcantara and Jeson Patrombon were discovered.

He has also been a staunch supporter of the national team having been a team manager numerous times of both the Davis Cup and Southeast Asian Games national teams. Aside from national teams, he and his company Cebuana Lhuillier has been supporting the individual international campaigns of top tennis players such as Cecil Mamiit, Eric Tainio, Katharina Lehnert and Treat Huey in the past to current stars Ruben Gonzales and Francis Casey Alcantara helping all of them reach their highest world rankings in both singles and doubles.

He was also responsible in making the sport popular in the country bringing top international players in the country through the ATP Men’s Challenger as the ITF Men’s Futures tournaments. He also was the team manager and co-owner of the Manila and Philippine Mavericks in the International Premier League with tennis superstars Serena Williams and Andy Murray among his players
As president of the Unified Tennis Philippines (UTP) for 7 years, Lhuillier has been responsible also for supporting top junior players to play in Asian junior tournaments as well as the WTA Future Stars. Thru the UTP, Lhuillier continues to support nationwide tournaments in both juniors and open sections.

MAN BEHIND PHILIPPINE SOFTBALL’S RESURGENCE
As president of the Amateur Softball Association of the Philippines (ASAPHIL) for 17 years already, Lhuillier has been responsible for the resurgence of the sport of softball.
Just like in tennis, Lhuillier has been supporting both the grassroots programs as well the national teams though ASAPHIL.

ASAPHIL, under the leadership of Lhuillier has been conducting tournaments such as the annual Summer Grand Slam National Open, Batang Pinoy, Palarong Pambansa, Philippine National Games among others. They have also been active conducting softball clinics for all stakeholders: players, coaches and even tournament officials.

With Lhuillier at the helm, the RP Blu Girls and Blu Boys have been performing extremely well in internal competitions. RP Blu Girls have won 7 straight SEAGames gold medals, silver medal in the 2017 Asian Women’s Softball Championships and have been in the top 4 five times. They boast of beating several top 10 world-ranked teams in previous World Cup competitions and was previously ranked number 1 in Asia prior to the pandemic. They are currently ranked number 4 in Asia and number 12 in the world.

Not to be left behind, the RP Blu Boys have been excelling as well with 4 gold medals in SEA Games, 5 silver medals in Asian Men’s Softball championships and was top 10 in the 2022 World Cup. They are currently ranked number 3 in Asia and number 10 in the World.

But there has been no stopping for Lhuillier and his wards. This year 2023 has been a huge year for Philippine Softball in the international arena. No less than 4 national teams qualified for the World Cup.

RP Blu Boys secure a bronze medal in the 12th Men’s Softball Asia Cup last June to qualify for the Men’s Softball World Cup. The RP Blu Girls snagged fourth place in the 18th Women’s Softball Asia Cup 2023 held last July to book a World Cup berth. The Under-15 girls’ team secured a bronze medal and has additionally clinched a spot in the 2023 WBSC World Cup for U15 Women’s Softball. Meanwhile, another team groomed by ASAPHIL, the Co-ed squad, is intensively preparing for this year’s WBSC Co-Ed Slow Pitch Softball World Cup, following their impressive silver medal performance in the Co-Ed Slow Pitch Softball Asia Cup last May.

ON TO THE ASIAN GAMES

As his softball and tennis athletes prepare to see action in the upcoming Asian Games with the RP Blu Girls and Ruben Gonzales and Francis Casey Alcanatar vying for medals, Jean Henri Lhuillier declares he will not pause until the Philippines’ softball and tennis teams under his watch succeed in seizing the glory and recognition they so deserve. Far from resting on his laurels, Lhuillier is energized for the challenges ahead:
“I’m just getting started. I am incredibly optimistic about the future of Philippine softball and tennis. I firmly believe we have the potential to be world leaders in these sports, and I am committed to making this vision a reality.”

Reference: https://sports.inquirer.net/530629/jean-henri-lhuillier-3-decades-after-his-passion-for-helping-philippine-and-softball-continues#ixzz8LYHjcvvg

Jean Henri Lhuillier clinches 24 international awards, champions financial inclusion

In the world of finance and microfinance, one name has consistently risen above the rest: PJ Lhuillier, Inc. (PJLI). As the esteemed parent company of Cebuana Lhuillier, PJLI and its dynamic leader Jean Henri Lhuillier have earned 24 international awards recently, each serving as a testament to their unyielding commitment to excellence.

2023 International Business Awards

PJLI’s story of excellence lies in their resolute dedication to providing microfinance services that empower countless lives. This has secured them the coveted Company of the Year award for Financial Services at the prestigious Stevie Awards. The Stevie Awards are the world’s premier business awards that celebrate the world’s most outstanding organizations and professionals.

Behind PJLI’s success is President and Chief Executive Officer (CEO) Jean Henri Lhuillier. His visionary leadership earned him four accolades, including Executive of the Year in Financial Services, Best Entrepreneur in Financial Services, Maverick of the Year, and the Lifetime Achievement Award in Consumer Services Industries. These honors underscore the exceptional leadership that propels Cebuana Lhuillier toward unparalleled excellence.

Golden Bridge Awards

The Golden Bridge Awards is a highly esteemed program that honors visionaries, innovators and leaders who have made significant contributions in various domains of business and technology. Lhuillier’s dedication and innovation have been a driving force, creating a profound impact not just within the company but on the financial landscape of the country.

“Receiving recognition on the global stage is not just a reflection of our achievements, but also an affirmation of our push for financial inclusion. Throughout our journey, we have remained steadfast in our pursuit of excellence and innovation. We [do not] only create exceptional products and services, but we also create lasting and positive change for the clients we serve,” reflects Lhuillier.

Lhuillier earned seven recognitions from the awards program, including Innovator of the Year, Lifetime Achievement Award, Maverick of the Year, Entrepreneur of the Year in Financial, Top Achiever of the Year in Asia-Pacific, Executive Achievement of the Year in Financial, and Maverick of the Year in Consumer Services.

Meanwhile, PJLI has been recognized for its exemplary and consistent dedication to shaping the future with the prestigious Grand Gobee Award and three gold awards for Most Innovative Company of the Year, Company of the Year for Financial, and Best Workplace of the Year in Asia-Pacific.

Recognition for the company’s “Intertwined” culture-building campaign further highlights its commitment to diversity and inclusion. The campaign’s bronze awards for Live Event of the Year for a Celebration Event and Employee Engagement Events underscore the organization’s commitment to nurturing a vibrant community.

Effective communication is the foundation of any successful organization, and PJLI understands this perfectly with the bronze award for Communications or PR Team-Department of the Year.

Social Media Marketing Awards

PJLI’s innovative approach to financial literacy shines through its digital campaign, the Iponaryo Video Series. The campaign exemplifies the company’s commitment to making financial literacy accessible and engaging for all. That said, the Iponaryo Video Series has earned recognition for its creativity, winning awards such as Best Use of Social Media in a Cause-Related Campaign, Best Visual Storytelling Campaign, and Best Video Series.

Global Business Excellence Awards

Lhuillier’s global impact has not gone unnoticed, with the Global Business Excellence Awards honoring him as the International CEO of the Year and the Iponaryo Video Series being awarded the Outstanding Social Media Campaign. His visionary leadership propelled PJLI to become a trailblazer in the finance industry, further solidifying its position as a leader of innovation and excellence.

These accolades not only reflect the company’s dedication to providing outstanding services, but also underscore its significant role in driving positive change within the financial landscape in the Philippines. PJLI’s success story continues to inspire, setting a high standard for the industry while embodying the values of innovation and excellence.

Reference: https://www.manilatimes.net/2023/10/16/supplements/jean-henri-lhuillier-clinches-24-international-awards-champions-financial-inclusion/1914866

Cebuana Lhuillier CEO spurs innovations in microfinance

Cebuana Lhuillier president and CEO Jean Henri Lhuillier is on a mission to positively touch and change the lives of millions of Filipinos for the better through his numerous pursuits.

Lhuillier has successfully transformed Cebuana Lhuillier to be the Philippines’ leading microfinance provider, starting as a pawnshop to becoming the largest and leading microfinance institution in the country with close to 3500 branches. Its core products and services such as pawning, money transfer and insurance have aided millions of Filipinos achieve financial wellness and empower them to provide for their loved ones.

“We constantly innovate and improve our products to tailor fit the needs of our Ka-Cebuanas. I’ve always believed that if we give people good financial options, they are capable of making smart decisions financially,” he said.

Lhuiller makes sure that clients are given the best possible products and services through groundbreaking innovations. On top of offering pawning, money transfer and insurance products, Cebuana Lhuillier has now made savings and investment accessible to the unbanked and underbanked providing micro-savings, jewelry selling and micro-investment.

Through its micro-savings product, the company has addressed the pain points in opening a savings account by offering a low start-up amount with less documents and no maintaining balance. Micro-savings is made accessible for the masses through all Cebuana Lhuillier branches nationwide.

The Iponaryo Movement, another innovative idea of Lhuillier, has already registered 7 million account holders.

Cebuana Lhuillier has also enabled Filipinos to gain access to affordable investment through jewelry selling and micro-investment. The company encourages the public to invest in gold through FB Live, its pawnshop branches, the website and other marketplaces.

Realizing the need to make it easier for people to start a business, Lhuillier spearheaded the creation of the Ka Negosyo Center, a one-stop business shop on June 2023. The program provides business mentorship through videos, provides assistance on sales and marketing, lends financial and legal advises, as well as offers financial assistance through loans, micro-savings and insurance.

As the head of the Cebuana Lhuillier Foundation Inc. (CLFI), Lhuillier has helped make education more accessible by donating classrooms, learning centers, conference rooms, and buildings. Part of CLFI’s major thrust is the implementation of the Alternative Learning System (ALS) along with 3 other initiatives – Nationwide Scholarship Program, Spiritual and Social Enhancement Program, and Special Projects on Education.

An avid support of sports development, Lhullier helped create the Cebuana Lhuillier Age Group tennis which has held more than 50 tournaments nationwide in over 10 years. He also managed the Davis Cup and Southeast Asian Games national teams while supporting individual international campaigns of top tennis players Ruben Gonzales and Francis Casey Alcantara.

Lhuliier is the president of the Unified Tennis Philippines (UTP) for 7 years running, alongside his leadership of the Amateur Softball Association of the Philippines (ASAPHIL) for 17 years now.

Reference: https://manilastandard.net/business/biz-plus/314388981/cebuana-lhuillier-ceo-spurs-innovations-in-microfinance.html#google_vignette

Stronger ties between PH, Republic of San Marino seen with Jean Henri Lhuillier as Honorary Consul General

The Lhuillier name has become familiar with Filipinos mainly because of the popularity and nationwide presence of Cebuana Lhuillier pawnshops. As its long-time CEO and President, Jean Henri Lhuillier is generally known to the Filipino public as the man behind the Cebuana Lhuillier brand.

Jean Henri Lhuillier, or JHL, however, wears many hats: a very successful businessman and highly respected tycoon; an advocate of entrepreneurs and micro, small, and medium enterprises; a public service leader who leads socio-civic initiatives for marginalized groups through the PJL Foundation; and an ardent supporter of Philippine sports development through softball and tennis. 

But there is another role JHL portrays that is very distinguished, but many Filipinos may not be aware of: the first Honorary Consul General of the Republic of San Marino to the Philippines.

Located on the northeastern side of the Apennine Mountains and surrounded by north-central Italy, San Marino is recognized as the world’s oldest surviving republic and the fifth-smallest country in the world covering a land area of just over 61 sq km.

The Republic of San Marino decided to establish a General Consulate in the Philippines in 2007 to monitor and report on political, economic, and social developments in the Philippines (with a particular focus on the fast-growing tourism sector), to promote trade and cultural exchanges between San Marino and the Philippines, to raise awareness of San Marino, and to assist Sammarinese here in the country. To head this General Consulate, The Republic of San Marino instated JHL as the first Honorary Consul General of the Republic of San Marino to the Philippines.

After being bestowed the position, JHL proudly said: “It is a priceless honor. I am thankful to the great state of San Marino for granting me this privilege, and for entrusting its welfare under my stewardship here in a country so far away. I take special pride to be its representative and be able to share the rich culture and traditions that it has with the Filipino community”. 

As Honorary Consul General, JHL created a ten-point agenda that the General Consulate has undertaken in the fulfillment of its functions and accomplishment of its goals. 

• Trade and Economic Cooperation – taking part in the European Chamber of Commerce and spearheaded a Memorandum of Understanding on intercountry adoption.

• Cultural Exchange Program 

• Diplomatic Consulates – assisting Samarinese here in the Philippines and maintaining international relations through the Consular Corps.

•   Educational Partnerships – ​encouraging educational exchanges, like internships.

•  Technology and Innovation – partnering with San Marino Innovations.

• Environmental Collaboration – organizing events such as Fun run for the Mangroves and Night Bazaars.

• Healthcare Cooperation – spearheading a program that assures the mental health of soon-to-be adopted kids.

• Sports and Youth engagements –conducting lectures among FEU students entitled “Beyond Diplomacy: Cultural ties between the Philippines and The Republic of San Marino”; publishing a children’s book about finding families and the importance of love and care which won the Filipino’s Choice Award at this year’s Philippine Book Festival; and, holding sports clinics 

•  Crisis Response and Humanitarian Aid – taking active part in different disaster assistance programs.

•  Engaging with other Diplomats – joining affairs and celebrations hosted by Diplomats of other nations to support the goal of their countries to make a mark in the Philippines.

The Honorary Consul General of San Marino’s ten-point agenda has proven to be very successful throughout the years in protecting, promoting, and facilitating not only the interests of the Republic of San Marino but those of the Philippines as well.

In honor of Jean Henri Lhuillier’s work and dedication to service, the Republic of San Marino conferred him with the rank of Official Knight of the Equestrian Order of Saint Agatha. The Order, given to foreign nationals who have positively contributed charitable and other services for the benefit of San Marino with at least 10 years of service, was conferred on Jean Henri, despite serving for only seven years, because of his exemplary work and contribution to the state as its Consul General in the Philippines. 

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PET INSURANCE

Accident, Illness and Third Party coverages for you and your dog!

Product  Details

BASIC PRIME
Premium P1,100 P2,400
Coverage 1 year
Max Quantity Max 1 policy

Coverage Details
Pet Age Range 6 months to 8 years

Benefits
 Maximum limit for medical reimbursement P10,000 P55,000
Maximum limit for owner’s liability P10,000 P75,000
Maximum limit for personal accident for the owner P10,000 P75,000
Burial Assistance P5,000 P5,000
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DRIVERCARE

Personal Accident Insurance Perfect for Drivers

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Premium P260
Coverage 1 year
Max Quantity Max 1 policy

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Age Range 18-64 years old

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 Accidental Death, Disablement & Dismemberment P50,000
Total Permanent Disability P50,000
Disablement and Dismemberment* Up to P50,000
Murder & Unprovoked Assault  P50,000
Burial Expense Benefit- accidental death P10,000
Daily Hospital Income- accidental cause P100/day
Fire Cash Assistance P1,000
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EMPLOYEECARE

Personal Accident Insurance Perfect for Employees

Product  Details

PremiumP320
Coverage1 year
Max QuantityMax 1 policy

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Age Range18-64 years old

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 Accidental Death, Disablement & DismembermentP50,000
Total Permanent DisabilityP50,000
Disablement and Dismemberment*Up to P50,000
Murder & Unprovoked Assault P50,000
Burial Expense Benefit- accidental deathP10,000
Daily Hospital Income- accidental causeP100/day
Fire Cash AssistanceP1,000
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SUNOGSAFE

Get up to P30,000 protection for the contents of your home

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Premium P300
Coverage 1 year
Max Quantity Max 1 policy

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Fire Php 30,000
Robbery Php 10,000
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Personal Accident Prime

Up to P25,000 coverage on accidents and more

Product  Details

Premium P100
Coverage 1 year
Max Quantity max 5 policies

Coverage Details
Age Range 7 to 70 years old

Benefit
Accidental Death P20,000
Accidental Dismemberment and/Or Disablement  Max of Php 20,000
Murder and Unprovoked Assault  Php 5,000
Fire Cash Assistance  Php 5,000
Accidental Death Burial Benefit Php 5,000
Livelihood Assistance due to accidental Death Php 5,000
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CEBUANA BASIC

Instant P10,000 short-term coverage for accident

Product  Details

Premium P10
Coverage 1 month

Coverage Details
Age Range 18 to 70 years old

Benefit
Accidental Death P10,000
Accidental Dismemberment & Disablement P10,000
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Premium

P10

Coverages

1 month

Max Quantity

Max 12 policies

COVERAGE DETAILS

Age Range

18 to 70 years old.

BENEFIT

Accidental Death 

Php 10,000 

Accidental Dismemberment and/or Disablement 

Php 10,000 

ER ASSIST

Get a one-time cash assistance for any health emergency!

Product  Details

5K 10K 20K
Premium P560 P925 P1,275
Coverage 1 year
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Age Range 15 days old infant to 65 years old
Medical Exam No Medical Exam Required

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Emergency Hospitalization Cash Benefit P5,000 P10,000 P20,000
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CTPL

Get an affordable LTO-accredited CTPL for as low as P300.40  

Product Details

 Motorcycles/ TricyclesPrivate CarsLight/Medium TrucksHeavy Trucks & Private Buses
Premium300.40610.40 660.40 1,250.40 
Coverages1 – year
Max Quantity1 per vehicle
BENEFIT
Third party bodily injuries & deathPhp 200,000
No Fault IndemnityPhp 15,000
AVAILABLE IN ALL CEBUANA LHUILLIER BRANCHES NATIONWIDE

Dengue

Get a one-time cash assistance for in-patient and out-patient dengue diagnosis

Product  Details

PremiumP400
Coverage1 Year
Max QuantityMax 1 policy

Coverage Details

Age Range1 year old up to 70 years old
Medical ExamNo Medical exam required

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Dengue  Cash BenefitP10,000
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REMIT & WIN BIG PROMO

1. All clients who will send or claim their Western Union international money remittance at any Cebuana Lhuillier branch will earn an e-raffle entry for every successful transaction.

2. Lucky winners will win any of the following:

Monthly Draw

  • 30 winners of 10,000 cash
  • 45 winners 5,000 cash

Grand Draw

  • 6 winners of 50,000 cash
  • 12 winners of 25,000 cash

3. Promo will run from June 1, 2023 to July 31, 2023. Each client who will send or claim their international money remittance at any Cebuana Lhuillier branch will earn an e-raffle entry/ies.

4. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.

Draw Cut-off dates Draw Date Time of Draw Announcement
Monthly June 1 – June 30, 2023 July 7, 2023 2PM July 12, 2023
Grand July 1 – July 31, 2023 August 7, 2023 2PM August 12, 2023

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

5. Cash prizes will be claimed at the transacting Cebuana Lhuillier branch.

6. All qualified clients can only win once. Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.

7. All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.

8. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.

9. Announcement of winners will be shared thru the in-branch mini poster and social media pages of Cebuana Lhuillier.

10. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.

11. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.

12. P.J. Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.

13. All employees of P.J. Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI FAIR TRADE PERMIT NO. FTEB-167582 SERIES OF 2023

Mag-Pera Padala: Emergency Essentials Your Loved Ones Can Buy

Introduction 

As various parts of the Philippines are hit by multiple strong typhoons all year round, many Filipino families are left with no house, clothes, or food. Most of the affected population does not anticipate the destruction that a typhoon would bring and is left unprepared for the resulting challenges.

With all the debilitating and unforeseen events, including the calamities and COVID-19 surge, more and more overseas Filipino workers (OFWs) are worried about their loved ones in the Philippines. Being away from their friends and family in the country only heightens the uneasiness they feel.

To help as much as they can, some OFWs send money online or through money transfer services so that their loved ones can prepare emergency kits and essentials for sudden and unavoidable happenings they may encounter in the future.

At Cebuana Lhuillier, we are dedicated to being your partner and helping you get your funds to your loved ones safely. We offer one of the best money transfer services in the Philippines, and we can quickly get your hard-earned money to your families so they can prepare their emergency essentials at home.

As soon as the money is remitted, they can assemble the following items:

Health Kits 

There are many reasons why health or first-aid kits should be a staple emergency essential in every household. These collections of supplies and equipment are highly beneficial and can temporarily stop or alleviate common injuries while waiting for paramedics or rescuers to get to you.

It is also easy to gather different things for your kit. After sending money through online money transfer services like the eCebuana app, your loved ones can simply purchase some of the essentials online, so they don’t have to go out just to buy them.

Basic Kits 

Here are the common things health experts recommend to put in your health kit:

  • Bandage Strips
  • Adhesives Tapes or Duct Tapes
  • Cotton Balls and Swabs
  • Alcohol and Hydrogen Peroxide

COVID-19 Kits 

Additionally, to customize your health kit into a COVID-19 care kit, you can add the following:

  • Digital Thermometer
  • Pulse Oximeter
  • Paracetamol
  • Disposable gloves and masks

With all of these in your kit, you can be a bit more confident when facing calamities, emergencies, or illnesses. It is also recommended to add more things you think your family members may need, such as special allergy medications, prescribed antibiotics, and maintenance pills.

Masks and PPEs 

Wearing a face mask is now a standard protocol when going outside or entering public facilities. Additionally, personal protective equipment is required when undergoing certain medical or personal procedures.

The effectiveness of both protective gears is proven and backed by various health organizations, including the U.S. Food & Drug Administration.

Grocery Supplies 

OFWs deserve the best international money transfer service when sending their loved ones cash to buy groceries. Nowadays, restrictions are placed to help regulate the spread of the coronavirus disease, and people are advised not to go out often. Stocking up on food, bathroom products, and other essentials is recommended to minimize exposure to possible cases.

In addition, when COVID-positive patients are admitted to quarantine facilities, they would need bags of grocery supplies to get through their self-isolation period. Having a reliable partner for money transfer services like Cebuana Lhuillier will help the patients’ loved ones send money smoothly and quickly.

Medicines 

You can add your medicinal supplies to your health kits, but it is preferable to assemble a separate medicine cabinet or pouch for them to organize your medicines according to their uses.

The most important kinds of medication you should have are:

Aspirin 

This medicine works as a pain reliever for adults, and per the American Heart Association, it can help people when they experience a heart attack.

Acetaminophen 

Acetaminophen is a non-steroidal drug that reduces inflammation caused by different injuries you might encounter during typhoons, fires, and so on.

Antihistamine 

Allergic reactions can happen anytime, and antihistamines are the most effective drugs against them. Most antihistamines are taken orally, and in some cases, there are also creams that can be applied directly to the body part affected.

Once you have collected all of these in your medicine box, make sure to consult a doctor or research the proper dosage instructions for each medication. Every pill has different effects, so it is best to review them one by one to be able to use them appropriately.

Disinfectants 

Having clean and sterile surroundings is a must. Most people nowadays carry alcohol sprays and sanitizers even when they are simply going out for errands. Purchasing disinfectants and making sure we have plenty of alcohol or hand sanitizer at home can ensure that you have the tools needed to sterilize your surroundings.

To find the best disinfecting agents, you must consider the following factors:

Effectiveness 

Each disinfectant has a different effectivity. When diluted in water, alcohol can be a great protectant against a wider range of bacteria. Meanwhile, the ones containing chlorine compounds effectively kill highly resistant viruses and remove other bodily fluids.

Kill Time 

The typical kill time for disinfecting agents ranges from 30 seconds to 5 minutes. Other cleaning supplies that claim to kill bacteria longer than that should remain wet on a surface to be actively working.

Ease of Use 

Most of the disinfectants sold now are pretty easy to use. Many of them are sprayable, dilutable in water, or appliable on surfaces. Uncomplicated application is an important factor since cleaning infected areas should be done quickly and as easily as possible.

Others 

Investing in an oxygen tank will also help you become more prepared for specific emergencies. Since the pandemic started, the demand for this equipment has increased to 1.1 million cylinders in third-world countries alone. Having one can be a total lifesaver, especially when there are confirmed COVID-positive members in the family. However, buying a brand-new one can be a bit pricey.

With the eCebuana app, you can save money and send more to your family so they can secure an emergency essential right away.

Mag-Pera Padala Using Cebuana Lhuillier Money Transfer Services 

Hard times like calamities and pandemics call for convenient, safe, and quick money transfer services like the one we offer at Cebuana Lhuillier. Having a reliable partner that you can trust to get your money to your families is a big sigh of relief in these situations.

Send your money online now, and we’ll make sure your loved ones can get it in no time. Feel free to contact us if you have questions or concerns, and we’ll get back to you as soon as we can.

CASH IN 2 WIN PROMO

COMPLETE MECHANICS

1. All clients who will cash in or cash out to any e-wallet partner (GCash, Coins.PH, MAYA, Diskartech, and CebEx)at any Cebuana Lhuillier branch and Peralink authorized agent will earn an e-raffle entry for every successful transaction.

2. Lucky winners will win any of the following:

  • 3 winners of trip for 2 at Palawan
    • Includes roundtrip flight and hotel accommodation
    • Accommodation at Bacau Hotel Palawan3 days and 2 nights only, includes breakfast.
    • Flight is at Cebu Pacific– Economy flight
    • Transferrable but not convertible to cash.
    • Must be availed within 1 year from date of claim
  • 3 winners of Trip for 2 at Boracay
    • Includes roundtrip flight and hotel accommodation
    • Accommodation at Le Soleil De Boracay3 days and 2 nights only, includes breakfast.
    • Flight is at Cebu Pacific– Economy flight
    • Transferrable but not convertible to cash.
    • Must be availed within 1 year from date of claim
  • 5 winners of Apple Iphone 13 and 1,000 cash
  • 5 winners of Laptop Aspire 5 and 1,000 cash
  • 5 winners of Samsung Tablet A8 Wifi and 1,000 cash

3. Promo will run from October 1 to November 30, 2023. Each client who will cash-in or cash-out will earn e-raffle entry/ies.

4. All qualified entries during the promo duration will be drawn on the below date:

Cut-off datesDraw DateTime of DrawAnnouncement
October 1 to November 30, 2023December 7, 20232pmDecember 22, 2023

Winners shall be drawn witnessed by a DTI representative.

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

5. All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.

6. A client may only win once. If a name was drawn more than once, the winner shall get the prize of higher value.

7. P.J. Lhuillier/Cebuana Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.

8. The trip prize is transferrable but not convertible to cash.

9. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.

10. Announcement of winners will be shared thru the in-branch mini poster and social media pages of Cebuana Lhuillier.

11. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.

12. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.

13. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

Per DTI Fair Trade Permit No. FTEB-176061 Series of 2023

eCebuenas Bills Pay and Instapay Raffle Promo

COMPLETE MECHANICS

1.Must be a registered eCebuana app user.
2.Must transact to any of the following within the promo period:

  • Bills Pay
  • Instapay Transfer

Monthly Draw

  • 5winners of 1,000 cash
  • 3 winners of 5,000 cash

Grand Draw

  • 5winners of 1,000 cash
  • 3  winners of  5,000 cash
  1. Promo will run fromAugust 1, 2023 to October 31, 2023. Each registered eCeb user should transact bills payment and instapay transfer via eCebuana App to earn an e-raffle entry/ies.
  2. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.
DrawCut-off datesDraw DateTime of DrawAnnouncement
MonthlyAugust 1 – 31, 2023September 8, 20233PMSeptember 13, 2023
September 1 – 30, 2023October 9, 20233PMOctober 13, 2023
GrandOctober 1 – 31, 2023November 9, 20233PMNovember 13, 2023

Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).

  1. Cash prizes will be credited to client’s MSA or CSA.
  2. All qualified clients can only win once.Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.
  3. All clients must update their personal information (e.g., name, addressand active mobile/telephone) in the nearest Cebuana Lhuillier Rural Bank branch or Cebuana Lhuillier Pawnshop branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
  4. All winners will receive thru registered mail an instruction on how they will be able to claim the prize. Announcement of winners will be via email and SMS, a Facebook page posting will also be done.
  5. Cebuana LhuillierRural Bank shall not be liable if the winners did not receive the registered mail due to outdated personal information.
  6. All winners will only have sixty (60) calendar days to redeem their prizes upon acknowledgement of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier Bank with prior approval from DTI.
  7. P.J. Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.
  8. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

DTI Fair Trade Permit No. FTEB-173225 Series of 2023

Cash Cash Baby Promo

1. All clients who will cash in or cash out to any e-wallet partner at any Cebuana Lhuillier branch or authorized retail agents will earn an e-raffle entry for every successful transaction.

Cebuana Lhuillier Branches (RCBC Diskartech, Coins.ph, Cebexpress, Maya and Gcash)

Peralink Authorized Retail Agents (Gcash and Cebexpress only)

2. Lucky winners will win any of the following:

Monthly Draw (June)

  • 100 winners 500 Diskartech load wallet and 1000 cash prize- for Diskartech users
  • 10 winners of 10,000 cash prize
  • 10 winners of 5,000 cash prize
  • 10 winners of 2,000 cash prize

Monthly Draw (July)

  • 100 winners 500 Diskartech load wallet and 1000 cash prize- for Diskartech users
  • 10 winners of 10,000 cash prize
  • 10 winners of 5,000 cash prize
  • 10 winners of 2,000 cash prize

Grand Draw (August)

  • 100 winners of 1000 Diskartech load wallet and 2000 cash prize- for Diskartech users
  • 3 winners of 50,000 cash prize
  • 10 winners of 10,000 cash prize
  • 10 winners of 5,000 cash prize

3. Promo will run from June 1 to August 31, 2023. Each client who will cash-in or cash-out will earn e-raffle entry/ies.

4. All qualified entries during the promo duration will be drawn on the following dates:

DrawCut-off datesDraw DateAnnouncement
MonthlyJune 1 to June 30,2023July 6, 2023July 13, 2023
MonthlyJuly  1 to July 31, 2023August 8, 2023August 15, 2023
Grand DrawJune 1 to August 31, 2023September 8, 2023September 20,2023

5. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.

PER DTI FAIR TRADE PERMIT NO. FTEB-167926 SERIES OF 2023

HealthMax

Health card with up to P150,000 coverage for viral & bacterial illnesses and accidents.

Product  Details

Premium P3,000
Coverage1 year
Max Quantity1 active unit per insured

Coverage Details

Age Range15 days old infant to 65 years old
Accredited HospitalsOver 200+ accredited hospitals nationwide
Medical ExamNo Medical Exam Required
Health CardPhysical health Card Provided

Benefit

Accident or Sickness Emergency Cash Assistance

 

Examples of Viral & Bacterial Illnesses

✓ flu ✓ diarrhea ✓ rabies ✓ dengue ✓ malaria

✓ pneumonia ✓ UTI ✓ cholera ✓ leptospirosis

P150,000
AVAILABLE IN CEBUANA LHUILLIER BRANCHES NATIONWIDE

ALL DAY CARE

For your 24/7 health teleconsultation needs and more!

Product  Details

PremiumP2,500
Coverage1 year
Max QuantityMax 1 policy

Coverage Details

Age Range7 years old to 70 years old

Benefit

Accidental DeathP100,000
Accidental Dismemberment and/or DisablementMax of Php 100,000
Murder & Unprovoked AssaultP25,000
Fire/ LightningP25,000
Accidental Death Burial BenefitP25,000
Livelihood Assistance due to Accidental DeathP25,000
TelemedicineUnli Call
AVAILABLE IN ALL CEBUANA LHUILLIER FINANCIAL STORES

ProtectMax

For only P50, get up to P150,000 coverage for accidents, fire and illnesses

Product  Details

PremiumP50 per policy
Coverage4 months per policy
Max QuantityMax 5 policies

Coverage Details

Age Range7 years old to 70 years old
Medical ExamNo Medical Exam

Benefit

Accidental DeathP30,000
Accidental Dismember & DisableP20,000
Murder & Unprovoked AssaultP10,000
Fire / LightningP5,000
Death Benefit due to sicknessP10,000
Accident or Sickness Emergency Cash AssistanceP1,500
AVAILABLE IN ALL CEBUANA LHUILLIER BRANCHES NATIONWIDE

TodaCare

TanodCare

Cebuana Lhuillier Health Care

Cebuana Lhuillier ER Care

Cebuana Lhuillier ER Care

Cebuana Lhuillier ERCare covers the medical expenses incurred within a year from the date of issuance or purchase by the InsuredPerson for the treatment of an eligible emergency condition, availment of which caneither be as an Out-Patient in the Emergency Room Department or as an In-Patient of aHospital via cash assistance.Cebuana Lhuillier ERCare is eligible for persons 15 days old to 65 years old. This is provided by Pacific Cross (Philippines) Insurance Inc.

ER Coverage

Php 5,000.00

Php 10,000.00

Php 20,000.00

Cost

Php 550.00

Php 900.00

Php 1,250.00

Product Details
  • The Policy is Effective for one (1) year from the date of issuance or after payment of claim,whichever comes first.
  • One-time availment plan for Emergency outpatient insured clients.
  • This requires that the client is accommodated for treatment in the Emergency RoomDepartment of a hospital.
  • Payment based on actual medical expenses incurred in the Emergency Room Departmentof a hospital for a one-time occurrence per period of coverage not exceeding the plan limit
  • Once claim is paid, MBL is considered fully exhausted, and Policy is automaticallyterminated.
  • Coverage for accident and illnesses will commence 15 calendar days from date ofsuccessful activation.
  • Multiple purchase of e-Voucher is allowed but only one (1) e-Voucher can be activatedwithin the same period of insurance following the Activation Interval as defined above inthis proposal.
  • The activated e-Voucher is not transferable to another person. Declaration of the Insuredshould be upon application.

Our Help

OurHelp.org is a donation site where the donors can choose to ensure individuals who would not have access to or means to get insurance coverage.

Every individual gets microinsurance that covers accidental death or dismemberment and disability, unprovoked murder and assault, and other causes of death (except suicide). Donees will also receive cash assistance in case fire hits their home. This is how you can help.

Disaster Resilience

Cebuana Lhuillier’s annual Disaster Resilience Forum aims to continue the ongoing discussions on various multi-sectors’ initiatives and efforts in building disaster resilient communities.

With the support of the Insurance Commission of the Philippines and
GIZ, the company helps prepare Filipinos for imminent dangers, such as natural disasters, by spreading information in order to minimize, if not completely avoid, damages and loss of lives in the event of calamities.

Go to the Disaster Resilience page.

Happiest Pinoy

The Search for the Happiest Pinoy is a nationwide campaign of Cebuana Lhuillier that aims to promote the values of optimism, resilience, and positive impact in Filipinos amidst different life crises.

Go to the Happiest Pinoy website

Cebuana Lhuillier Sports

Cebuana Lhuillier’s sports advocacy began with its President and CEO Jean Henri Lhuillier’s desire to boost sports development and awareness in the country. A sports enthusiast since his youth, Jean Henri recognizes the role of sports in nurturing life and leadership skills that ultimately contribute to nation-building.

As early as 2002, Cebuana Lhuillier has been supporting sports events and tournaments for softball, tennis, and basketball, among others. From Cebuana’s notable brood of athletes emerged a number of sports luminaries that have made their mark in their respective sports. These include world-class doubles champion Treat Huey, SEA Games softball champion members of the RP Blu Boys and Girls, and Metropolitan Basketball Association legends Cebu Gems.

Cebuana Lhuillier Alternative Learning System

In pursuit of the advocacy of Cebuana Lhuillier’s President and CEO Jean Henri Lhuillier, whose philosophy is “Always Love Schooling”, which highlights the “Continuous Pursuit of Education”, the Cebuana Lhuillier Foundation, Inc. (CLFI) implemented the Alternative Learning System (ALS), along with three other initiatives that emphasize the value of education — Nationwide Scholarship Program, Spiritual and Social Enhancement Program, and Special Projects on Education.

Established in 2013 with the Department of Education, the ALS provides Academic, Livelihood, Spiritual and Social Education to former out-of-school youth and adults in the elementary and secondary levels.

Cebuana Lhuillier Foundation

In pursuit of the P.J. Lhuillier Group of Companies’ corporate value of social responsibility, Jean Henri D. Lhuillier, President and CEO of the P.J. Lhuillier Group of Companies (PJLGC), directed the establishment of the Cebuana Lhuillier Foundation, Inc. (CLFI).

Since its incorporation as a non-profit organization in 2000, it has imparted blessings and empowered the less fortunate by serving as the corporate vehicle of the PJLGC and of the family of Ambassador and Mrs. Philippe J. Lhuillier for giving back to the community.

How long do I have to wait to claim my insurance?

Depending on the completeness of submitted documents, claiming may range between 1-10 days on a regular cases and 14 days or more on special cases.

How do I claim my insurance?

To claim your insurance, please send an email via [email protected]. Written notice of incident on which claim may be based must be given to Cebuana Lhuillier Insurance Brokers within thirty (30) days after the date of the accident causing such disablement/dismemberment. 

Once approved, claim your benefit at any Cebuana Lhuillier branch nationwide.

Please note that some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization.

How do I renew my insurance?

Depending on your insurance plan, you may visit a Cebuana Lhuillier, Cebuana Lhuillier Financial branch or via online

How do I update my policy?

To update your policy, please send an email via [email protected]

Whom can I designate as beneficiary?

 A beneficiary refers to an individual specified in an insurance policy who is eligible to receive the benefits of the policy upon the approval of a claim for death. Immediate family members or, in certain instances, business partners are typically the most frequently designated beneficiaries.

Can I get multiple insurance products?

Yes, you can get multiple insurance products.

Can I get insurance for someone other than me?

Yes, visit our Online Shop to purchase for a loved one Or visit a Cebuana Lhuillier branch along with the person you would like to insure.

How many policies can I avail?

This may vary depending on the insurance product you would like to purchase

Where can I buy insurance?

Cebuana Lhuillier’s insurance is available via online, via our physical stores & via our retail partners.

In-store

All Cebuana Lhuillier branches nationwide

All Cebuana Lhuillier Financial branches nationwide: Ayala Market Market, Robinsons Galleria, Robinsons Manila, SM Manila, Ali Mall Cubao

 Online

www.protectnow.com
https://www.lazada.com.ph/shop/cebuana-lhuillier-insurance-brokers
https://shopee.ph/clis2019
https://help.gcash.com/hc/en-us/sections/13776979330073-Cebuana-Lhuillier
https://www.insurebox.ph
https://www.insurebox.ph
https://www.messenger.com/t/116956164988102/

How much are your insurance products?

Accident Insurance – as low as P10

Vehicle Insurance – as low as P300.40

Health Insurance – as low as P400

Comprehensive Insurance – as low as P50

What is the right insurance for me?

This will depend on your current needs as well as your financial capability. Cebuana Lhuillier offers insurance products  for as low as P10 to ensure that every Filipino has access to  insurance protection and benefits.

What type of insurance are available?

Cebuana Lhuillier currently offers accident, vehicle, property, health, life & comprehensive insurances that are tailor-fit to the needs of every Filipino.

Who can be a policyholder?

This will depend on the terms and conditions of each policy type. Policyholders can be as young as 15-day old infants to up to 70 years old

Who can purchase insurance?

Anyone of legal age (18 years old and up) can purchase insurance

Who is Cebuana Lhuillier Insurance Brokers Inc?

Cebuana Lhuillier Insurance Brokers Inc is the insurance arm of Cebuana Lhuillier

?How many times can I withdraw in a day

You can withdraw for about three times amounting to P15,000 with P5,000 per transaction.

?Is there a withdrawal limit

Yes it’s P5000 per transaction and  maximum of P15,000 per day.

?How to withdraw

Visit any Cebuana Lhuillier branch and bring your 24k card.

?Is there a maximum deposit limit

Your account has a maximum balance of 50,000 under Microsavings.

?Is there a deposit fee

There is no deposit fee.

?How can I contact a certain branch

You may check our website, click on Branch Locator and search for a specific branch. You may also contact our Customer Cares team via text message at GLOBE 0917-8122737 SMART 0918-8122737

?Where would I see the contact number of your branches

Click here to check the branch contact number.

?What is the operating schedule

Different branches has different operating schedule, you may check our branch locator as well.

?What time are you open and closed

Business hours of branches vary. Click here to check the branch business hours.

?How many days is the TAT for claim

It could take 5-10 days but may vary based on the claim details.

?How can I claim my insurance

You may file claim by visiting any of 2,500 Cebuana Lhuillier branch

?How do I renew my insurance

You may renew and repurchase insurance policy once it has matured. Visit any of 2,500 branches.

?Can I get insurance for someone other than me

Yes this is possible but the person to be insured needs to be present during insurance purchase.

?Can I get multiple insurance products

Yes you can get multiple insurance products.

?Can I authorize someone else to claim my money

No, only the person named as the beneficiary can claim the remittance

?Can I claim on a holiday

As long as the branch is open and funds are available you may claim even on holidays.

?Where do I claim my remittance

You may claim it in any Cebuana Lhuillier Branch or thru our authorized agents or partners.

?When do I get my remittance

It usually takes a few hours or within 24hrs but may also depend on the availability of the funds and the process of the sending partner.

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.)
FIND A CORPORATE AGENT PARTNER

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)
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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.)
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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 System (PhilSys) ID
  • 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)