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Promo Mechanics

• The discount for fund transfer is available to all eCebuana mobile app users and Micro Savings Account Holders only.
• The transfer rate will be discounted to Php 10.00 for transaction send out starting from Php 400.00 to Php 5,000.00 only.
• Each eCebuana client who will avail of the service are entitled to the promo discount of up to 5 transactions a day, with a transaction limit of up to Php 5,000.00 only – total sendout transaction limits are at Php 25,000.00 per day within the promo period.
• Transactions above Php 5,000.00 for fund transfer will maintain its standard rates.
• The discount is valid from January 15 – February 14, 2020 only.

Pawning – The process of pawning off (surrendering) your valuables (usually in the form of jewelries and electronic gadgets) at a pawnshop. The transaction may look so simple, but there are a lot of underlying contexts within the process itself. For one, a person who pawns off a valuable item is either in need of quick cash or is no longer interested in the item itself. For the most part, the former is a more common case amongst us Filipinos. Things haven’t been easy lately, and it is just understandable for a person to trust his/her instincts and turn to pawning as a last resort. . Secondly, a person does not simply leave a valuable item within the pawnshop without coming back for it later on. There is another transaction that the patron has to undergo if he/she wants to retain that particular item in the near future. This certain transaction is the main focus of our write up, a process known as Pawning Renewal.

What is Pawn Renewal?

Simply put, it is the process of paying off the loaned amount (with interest) before the set time period expires, in order to get the valuable item back. May it be a jewelry, a gadget, or even an appliance, the borrower has to make sure that he/she would make the frequent payment dates, just so the item does not get defaulted.

What happens if the item gets defaulted?

Well, the pawnbroker has the right to sell off the valuable item, whether you like it or not. It is not an endearing situation, but this certain condition would surely be explained to you on the get-go, just so there wouldn’t be a misunderstanding once your due date is up. Now, you might think, “Well, I didn’t know that pawning off my most-prized possessions meant that I would no longer have them back.” It’s actually not that simple. You see, every item that is being pawned off would be inspected first. If it’s in good condition, then you’d be lent a great amount of cash. If it’s in a low quality condition, however, you would only be given a small amount. The process of inspecting the item and coming up with a fair, equivalent price is what you’d call an appraisal. You may have heard of it before during your last visit to the pawnshop. Determining the value of an item is not easy, so be thankful the next time that you’d get a huge amount out of an ordinary-looking gold-plated watch; the pawnbroker may have been very generous to you.

Take note that your pawned off items can still be retrieved. Pawning them off doesn’t necessarily mean giving them away, as you still have all the chance in the world to take them back, just make sure that you pay for the loaned amount, complete with the interest.

Okay, so who do I trust the next time I’m in need of quick cash?

Well, you wouldn’t even need to look further than your nearest Cebuana Lhuillier branch. You can never go wrong with their longstanding Pawning Service. They lead the pawning industry by offering only the safest and the highest appraisal rate in the industry in their more than 2,500 branches nationwide.

How does Pawn Renewal work in Cebuana Lhuillier?

It’s a fairly easy process. You can visit the nearest branch where you pawned your item for your renewal transaction. Cebuana Lhuillier also has a renew anywhere facility. You just need to bring your pawn ticket and a valid ID when visiting the branch. Take note, however, that there will be a P50 convenience fee per transaction. You can even check your renewal amount indicated on the lower left portion of your pawn ticket.

Do other pawnshops do this as well?

Of course, they do. Pawn Renewal has always been at the heart of a pawning businesses. When people who are in need manage to get back on their feet, they’ll be coming back in the pawnshop to retrieve their most-prized possession, thus, retaining only what they’ve surrendered in the very beginning, nothing more, nothing less.

What separates Cebuana Lhuillier from the other pawnshops here in the Philippines?

Here is an official statement from Cebuana Lhuillier’s official website:

“Cebuana Lhuillier provides the country’s leading pawning service to Filipinos in need of instant cash, offering a 30% higher appraisal rate VS other pawnshops hence, higher take home. Our 2,500 branches accept an array of items, from jewelry to gadgets, as collateral, the company’s core business has evolved with the needs of its clients.”

Let us put emphasis on the phrase “offering a 30% higher appraisal rate VS other pawnshops.” Cebuana Lhuillier isn’t just about the profit, they also serve to help out each and every Filipino who are down on their luck already. The company has been around for decades, and from the very beginning, it has always been about giving the Filipino people an exemplary service worthy of any other VIP out there.

What items do they accept?

They usually accept the following items:

• Gold
• Diamond
• Platinum jewelry and watches
• Cellphones
• Laptop computers

How complicated would the pawning requirements be? Do I have to bring many documents just to pawn off my valuables?

No, a very big NO. As a matter of fact, Cebuana Lhuillier’s pawning service has always been about simplicity and convenience, much so that they’d only require at least one (1) of the following as a valid form of identification.

• Passport
• Driver’s License
• Professional Regulation Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Barangay Certification
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) Card
• Senior Citizen Card
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman’s Book
• Alien Certification of Registration/Immigrant Certificate of Registration
• Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
• Home Development Mutual Fund (HDMF ID)
• 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 (IBP) ID
• 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

With all of that being said, never forget about renewing your pawned off item. Once you finally have a good amount of money, you can pay off the loan (with a small interest) and retrieve your jewels back. Feel free to visit their official Pawning page for more information: https://www.cebuanalhuillier.com/pawning/.

A clean home is a serene home. When you are surrounded by mess, it is much harder to feel calm, noticing all of the bundled clothes, unorganized magazines, and dusty shelves. For the most part, it isn’t conducive to do or accomplish anything at all, which is why we were brought up by our parents to value the importance of cleanliness and proper hygiene. Without these two important things, we may never get by in life, struggling to concentrate on our goals and failing to do all of the necessary things as we are distracted by all of the mess that overwhelms us.

This is even more evident during the summer, as the heat index rises due to the lack of circulation within your home. The air passages from outside are either blocked out by unorganized mess or by clear inches of dust, all of which may contribute to irritability and anxiety. With this in mind, it is safe to say that nothing would ever signify a much better home than by decluttering every mess out of existence. Decluttering may just solve that longstanding problem of disorder and mess within your household, not counting the allergies and psychological problems brought about by a gloomy place. Don’t believe us? Here are a few examples of the advantages when it comes to decluttering your home:

1. Decluttering provides a wider space within your home.

Admittedly, clutter tightens your moving space. If your path is often blocked or constricted by disorganized furniture, unhanged clothes, and sprawled out toys then you might as well need to take hold of the broom and start sweeping. This is critical, especially during emergency situations, in which you’d have to move fast in order to either escape out of the house or to avert the whole incident. The perfect example of this would be during a fire, where a messy room may prove to be hazardous, with everything catching on fire and your pathway being blocked off by all of the burning clutter. Things may go from messy to risky, hence, why you should clear out any unnecessary trash, items, and dirt from your home. This is more critical when you’re not the only person at home, as your kids and loved ones may be at risk during such times. Do what you must and clear everything out to create a movable, breathing space indoors.

2. Decluttering helps you relax and relieves stress.

There is a famous decluttering expert that once emphasized the healing effects of cleaning out mess. According to that expert, decluttering “sparks joy,” and indeed, that is the truth. Don’t you find it hard to concentrate when you are being bothered by the awful sight of messy tables and shelves? Aren’t you irritated by the dust and odor coming from your bundled clothes on the floor? All of these may have harmful effects on your physical and psychological makeup, and it may prove unhealthy in the long run. Do something about the mess as early as now, do not wait for others to clean up the mess, especially if you’re the one with the ample time to do just that. With the summer season now on the horizon, your other family members may have ample time to help out in the cleaning. You may even teach them the proper ways of decluttering, based from your own experience. It’s like hitting two birds with one stone, basically, teaching them the importance of cleaning and disciplining them about hygiene and cleanliness. No longer would you have to worry about anyone leaving their mess again for that matter.

3. Decluttering helps you find long-lost items.

This is definitely true. Have you ever found yourself looking for that souvenir you received a few years ago from a workmate? How about trying to find your keys from the pile of unwashed pants in the bedroom? Or how about trying to find your pet cat from beneath the bundles of torn magazines on your living room floor? These valuable things may get buried beneath the bundle of mess if you aren’t cleaning up on a regular basis. The thing is, the more that the mess piles up, the harder would it be for you to find small, important items. Items such as keys, mini-phonebooks, calling cards, and even Swiss army knives may get lost deep within the pile that you wouldn’t even know where to begin looking for them. Avoid having to spend hours rummaging your house for just a single key, clean it all up, organize everything, and get rid of all the bundles of mess that were built up overtime. Keep everything in place and immediately have access to your treasured items.

4. Decluttering helps in making extra cash during the summer.

You’ve read that right. The thing about clutters is that they’d often mix your belongings so much that you’d never realize which item is still useful and which item is no longer being used at all. The latter is usually left untouched within the pile that you wouldn’t even notice its mint condition, in spite of all the recent years of use. Gadgets, apparel shoes, and even jewelries can get lost in the mix. When you buy yourself newer versions of these things, you wouldn’t even bother to have a second look at your pre-loved items, thus, leaving you with a goldmine that you never even realized that you had. Declutter your home, gather all of your pre-loved items which are still in mint condition, then sell them off via a garage sale or a pawnshop. The best thing about this isn’t just the cleanliness and orderliness of your home, but it’s also about the extra cash you’d make once you’re able to sell off your old stuff. Just make sure that the items you’re going to sell or pawn off are still in good working condition, unless you want to be accused of selling off broken items, and that would be illegal.

Now, after you’ve decluttered your home and are ready to make extra cash out of your old belongings, you may be looking for a pawn shop that would provide you with the most secure, reliable, and honest service and highest appraisal possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,500branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Hindi lang mataas ang appraisal, may chance ka pang mag-uwi ng up to PhP50,000 sa grand draw o di naman kaya ay instant prize kung ikaw ang first time pawning client! Magsangla lang sa kahit saang Cebuana Lhuillier branch nationwide. See posters for more details. Per DTI-FAIR TRADE PERMIT NO. FTEB-24733 & FTEB-24735, SERIES OF 2019.

 

Promo will run from January 15 to April 14, 2020 for new pawning and until July 14, 2020 for renewal.

 

People pawn off their most prized possessions when they’re in need of an extra amount. Some pawn off a gadget, others may pawn off an appliance like a television or a refrigerator, while others may pawn off their jewelries. Regardless of the item, many aren’t aware that there are various factors which may affect its appraisal. Of course, this is usually decided by the pawnshop personnel, but that doesn’t mean that you can’t get a grasp of this basic knowledge as well. Remember, you’re the one pawning off the item, you’re the one in need, and you would need to attain the best deal possible when it comes to your most prized possessions. Here are just a few factors things which may affect your item’s value when pawning:

1)The condition of the item/jewelry.

Put yourself in the shoes of the pawnshop personnel. If you were to see a damaged item being offered before you, would you give it a high cost? Of course not! Before you pawn off your items or jewelries, you should at least make sure that the said item is in good condition. Yes, you are in need of a good deal, but no good deal may ever push through without a well-conditioned item. It’s just like walking through a grocery isle; you wouldn’t choose a molded bread or a spoiled fruit in display, would you? Be sure to have your item or jewelry repaired and in perfect condition if you want to achieve a high appraisal.

2) The market value of the item.

Okay, let’s say the item in question is presented in a mint condition, that’s already a plus point. But what if the item was released in the market years prior, or even decades ago? Of course, its value would be lower than the current market prices. Consider this when you decide to pawn off a cellphone.  Older models will always have a lower value than those newer cellphones they may be selling right now. This would also be applicable for appliances, since newer ones have more features than older releases. A flat screen TV would have a higher value than your grandparent’s cabinet-based TV, unless of course it is registered as a mint condition antique piece. Such can be discussed with the pawnshop personnel, so be sure to listen to their computations and process.

3) The credibility of the pawnshop in question.

Most of the time, people would get a low appraisal from lesser known pawnshops. Transacting with lesser known establishments would usually yield less than desirable results, which is why you should avoid committing this critical mistake. You may be looking for a pawn shop that would provide you with the most honest return possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets. Amazingly, they also have a 35% higher appraisal VS other pawnshops in the Philippines. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,200 branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Your hard-earned cash will always be one of your most prized possessions. Of course, you wouldn’t need to spend it all in one go, many of us would prefer to set aside an amount, to save up for any future needs or wants. With that in mind, there are countless ways of protecting our savings from many predatory scams or perpetrators. Yes, they may be getting smarter by the minute, but stepping up your game and being creative with protecting your money may deem useful and advantageous for you in the long run. Here are just a few examples:

 

1)A strong and sturdy safe.

You may be used to the local concept of “caha de oros,” made familiar by your elders before, but such containers aren’t really reliable anymore, especially as most of them are made from cheap plastic. Modern safes are made of stronger materials, usually metal, and are only accessible by access codes and turn switches. If you’re the type to keep your cash close by, having a safe in your room would be recommended.

 

2) In a household wardrobe/cabinet.

If you’re not the type to buy up a durable and costly safe, then you may already have a ready-made container at home which may keep your money for you. Some people prefer to keep their savings hidden in their neatly-folded pile of clothes. It may sound weird at first, but having it hidden will always be better than having your hard-earned cash out in the open. Some wardrobe have nifty cabinets in them, unnoticeable at first glance, effective in keeping items you wouldn’t want to others to see.

 

3) In a make-shift book, in your bookshelf.

This is a crafty way to hide your savings. Take any thick novel or book lying around the house, make sure that you’re no longer going to read it anymore. Take a cutter and five to ten pages in, hollow out the middle, not too wide but good enough to keep bundles and rolls of money. Cut out the middle page by page, until you get to five to ten pages before the end of the book. Take note, this is only effective if you have your bookshelf within your own room. This isn’t advisable if your bookshelf happens to be in the living room or any other part of the house which others may easily have access to.

 

4) In a very reliable bank.

Those mentioned above may be effective in their own right when it comes to keeping your money safe, but that isn’t always the case. A bank would still be appropriately effective one way or the other. With all of that being said, you’re probably looking for a bank that you’d be able to trust with all of your life’s worth of savings. Look no further than Cebuana Lhuiller’s Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw from or deposit to your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Something unexpected always comes up. You expect your daily routines to continue as they usually do, only to find yourself either involved in an accident or a conflict. Either way, both are costly and unnecessary. This is one of the main reasons why you should always be prepared for anything. Your daily routines would make you very comfortable and complacent, so much that you may forget to prepare for any emergency that may come your way. But you wouldn’t need to worry, as we have prepared few important tips for you so you can be ready to face unforeseen occurrences.

1)Unexpected Situation: Storms and Calamities

Preparation: Emergency Kits and Evacuation Plans

The Philippines is one of the most ravaged places when it comes to storms. There are various instances in which we would experience two to three storms within a single month. Proper preparation is the key when it comes to surviving these calamities. An emergency kit for the whole family is a must-have. Evacuation plans are also needed, especially for places which are regularly hit with flashfloods and landslides.

2) Unexpected Situation: Fire

Preparation: Fire Extinguishers and Exit Strategy

The Bureau of Fire Protection recorded a total of 14,316 fire incidents from January 1, 2018 to December 27, 2018, with 3,943 of them happening in Metro Manila. For a country that celebrates Fire Prevention Month every March, you may think that many Filipino citizens would have learned their lesson when it comes to fire safety, but the numbers don’t lie. Many of us aren’t even knowledgeable enough when it comes to fiery emergencies, which is why having fire extinguishers around would always be a good choice. Also having an exit strategy would be most helpful, especially because we wouldn’t want to leave any of our family  members behind in case of fire.

3) Unexpected Situation: Road Accident

Preparation: Financial Savings and Immediate Contacts with Emergency Personnel

One of the most unexpected things to happen during road trips would be an accident. No one wants to be involved in a pile up, which is why the driver should be careful at all times. Being on the road would require the driver to stay alert at all times, observing proper speed and obeying traffic rules. If things go sideways, at least be alert enough to call an ambulance and other proper authorities. It wouldn’t hurt that you have an emergency fund  as it will come handy at this kind of unfortunate circumstance..

While thinking up various emergency plans, you must also consider saving up for the future. There are countless expenditures along the way, sudden expenses, emergencies, etc. So much that you would at least need to set aside a few amounts every month to make up for your “needs.” You may have to open a savings account if you’d want to achieve that.

Look no further than Cebuana Lhuiller’s Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw from or deposit to your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.