How much interest does Cebuana Lhuillier charge per month?

Cebuana Lhuillier charges 3.5% per month on pawn loans, which is the BSP-regulated maximum under Circular 1119. On a ₱10,000 loan, that is ₱350 per month in interest. The standard loan period is 4 months (120 days), after which unredeemed items may be auctioned.

What items can I pawn at Cebuana Lhuillier?

Cebuana Lhuillier accepts gold jewelry (all karats), silver jewelry, diamonds and gemstones, electronics and gadgets (smartphones, laptops, tablets), and small appliances. They do not accept luxury watches or designer bags at most branches — for those, try Villarica or Tambunting.

How many Cebuana Lhuillier branches are there in the Philippines?

Cebuana Lhuillier has over 3,500 branches nationwide, making it the largest pawnshop network in the Philippines. In Metro Manila alone, there are over 400 branches. They operate in all 81 provinces of the Philippines.

What is the maximum loan amount at Cebuana Lhuillier?

Cebuana Lhuillier offers pawn loans up to ₱500,000 for high-value gold and jewelry items. For electronics, the maximum is typically ₱50,000. The actual loan amount depends on the appraised value of your item — typically 80–90% of the assessed value.

Can I renew my Cebuana Lhuillier pawn ticket?

Yes. You can renew (extend) your pawn ticket at any Cebuana Lhuillier branch by paying the accrued interest before the maturity date. You do not need to go to the same branch where you originally pawned. Bring your original pawn ticket and a valid ID.

What are Cebuana Lhuillier's operating hours?

Most Cebuana Lhuillier branches are open Monday to Saturday, 8:00 AM to 6:00 PM. Select branches inside malls may have extended hours until 8:00 PM. Some branches are open on Sundays from 9:00 AM to 5:00 PM. Check the Cebuana app for specific branch hours.

Does Cebuana Lhuillier offer other services besides pawning?

Yes. Cebuana Lhuillier offers money remittance (domestic and international), bills payment, microinsurance (e-Protect), e-loading, and the Cebuana Lhuillier Bank savings account. Their 'Padala' service is one of the most widely used domestic remittance networks in the Philippines.

What happens if I don't redeem my item at Cebuana Lhuillier?

If you do not redeem your item within the 4-month maturity period and do not renew the ticket, Cebuana Lhuillier will auction the item. Under BSP rules, you have the right to redeem your item at any time before the auction. After auction, any proceeds above the loan amount plus interest are returned to you.

Is Cebuana Lhuillier BSP-regulated?

Yes. Cebuana Lhuillier is fully licensed and regulated by the Bangko Sentral ng Pilipinas (BSP) under the Pawnshop Regulation Act. All branches display their BSP license. You can verify any branch's license on the BSP website at bsp.gov.ph.

How does Cebuana Lhuillier compare to Palawan Pawnshop and M Lhuillier?

Cebuana Lhuillier has the widest branch network (3,500+) and accepts electronics, making it the most accessible option. Palawan Pawnshop is known for Sunday hours and slightly faster service. M Lhuillier accepts luxury watches and has higher loan limits. All three charge the same 3.5% monthly rate.

Cebuana Lhuillier Complete Guide 2026 | Rates, Services & Tips — Pawnshop Manila

About Cebuana Lhuillier

Cebuana Lhuillier is the Philippines' largest pawnshop chain, founded in 1988 by Jean Henri Lhuillier. What started as a single pawnshop in Cebu City has grown into a financial services empire with over 3,500 branches across all 81 provinces of the Philippines.

The company is fully licensed and regulated by the Bangko Sentral ng Pilipinas (BSP) and is a member of the Chamber of Thrift Banks. In 2019, Cebuana Lhuillier established its own rural bank — Cebuana Lhuillier Rural Bank — expanding its financial services beyond pawning.

For OFW families, Cebuana Lhuillier is often the first stop for emergency cash. Their domestic remittance network (Padala) is one of the most trusted in the country, and their branches are found even in remote municipalities where banks have no presence.

BSP License: All Cebuana Lhuillier branches are BSP-licensed pawnshops. The maximum interest rate of 3.5% per month is set by BSP Circular 1119 (2021). You can verify any branch's license at bsp.gov.ph.

Branch Network by Region

Metro Manila

All 17 cities

400+

Luzon (ex-NCR)

All provinces

1,200+

Visayas

All provinces

900+

Mindanao

All provinces

1,000+

Pro Tip

Cebuana Lhuillier branches inside SM malls often have longer hours (until 8 PM) and are open on Sundays. Use the Cebuana app to find the nearest branch with your preferred hours.