Robocash loan is better than pawnshop loan

A detailed description of Cebuana pawnshop, its history and services for Filipinos. You’ll also learn why borrowing from Robocash is better than borrowing from a pawn shop. Your valuables will stay with you because Robocash requires no collateral. At the same time, the interest rate is very low. An interest free Robocash loan is available to new customers.

Key takeaways:

  • Cebuana Lhuillier PawnShop is one of the largest pawn shops in the Philippines.
  • It accepts gold items as collateral and also offers domestic and international money transfer and insurance services.
  • Robocash online loans are more profitable than pawnshop loans because you don’t need collateral and you don’t risk your valuables.

Cebuana Lhuillier in the Philippines

The Cebuana Lhuillier Pawnshop is a popular pawnshop and money-transfer service in the Philippines with at least 1,500 branches nationwide. But the service has its humble beginning back in 1935 when it was still known as Agencia Cebuana. Many branches in all cities of the Philippines serve as Сebuana bills payment.

How to pay Robocash loan at Cebuana Lhuillier

Cebuana Lhuillier has a large network of branches throughout the country.This makes loan repayment via Cebuana convenient for Robocash borrowers.

1. Go to your Cabinet by logging in at robocash.ph, select “Pay All” or “Extend”.

2. Click “Online payment”.

3. Select “Cebuana Lhuiller” and tick the box to agree on the terms and conditions.

4. You will receive an email with the Reference number to pay at any Cebuana Lhuillier branches. Payment will be made using the Dragonpay.

5. You also can view the instructions by clicking “view the instructions online”.

6. Go to your nearest Cebuana Lhuillier Branches, ask for a payment form and write DragonPay as Receiver, Full name, Reference Number, and Amount to pay. Click here to view all Cebuana Lhuillier branches near you.

7. Go to the Payment counter, give your payment form and your payment. Once done, payment will be processed within 24hrs. You will receive an sms notification from us once your payment is posted on your account.

Congratulations! Now you know how to pay Robocash thru Cebuana. It turned out to be very easy.

You can also repay the Robocash loan via Bayad Center→

Cebuana Lhuillier History

Cebuana Lhuillier was established by a French consul Henry Lhuillier in the province of Cebu. Based on historical accounts, it appears that Agencia Cebuana has merely stayed local at least until the 70’s and 80’s when it really began to start extending its branches into Metro Manila. It was only in 1987 when Agencia Cebuana was renamed Cebuana Lhuillier. At this point, Philippe Jones Lhuillier got into politics in 1998 and was appointed Philippine Ambassador to Italy while his son Jean Henri Lhuillier headed the company.

As technology is advancing and more types of transactions are becoming available, Jean Henri Lhuillier added other services like money-transfer, remittance, insurance, money changer, account remittance, and other collection services. To maintain customer loyalty, it is also the first among its peers to offer a 24k loyalty card program. So far this program has 5 million members as of 2014. Right now Cebuana Lhuillier can be found almost everywhere: in wet markets, malls, and even near university belts. Branches are found around different provinces and cities. They can be searched by simply typing the right keyword in Google like “Cebuana Lhuillier Antipolo”. Google Maps are one of the places to get a list of branches. Cebuana Lhuillier branches serve as convenient payment points for all Filipinos. All transactions take place online. Cebuana bills payment fees are low and available to everyone.

But money exchange and pawnshops aren’t the only businesses they are involved in. In order to promote their brand, they are also active in sports. They have teams in basketball, softball, and tennis. Its president Jean Henri Lhuillier is currently the manager of the Philippine Davis Cup Team. He is also the chairman of PhiTA or the Philippine Tennis Association. And if that’s not enough yet of a position to hold, he is also the president of the Amateur Softball Association of the Philippines. But of course, they are not the only one with sports teams; other companies from a wide variety of industries also have their own sports teams. So not only are they competing with their peers in business but also in sports.

Cebuana Lhuillier also has its foundation aimed at helping those who are in need like those affected by calamities. It carries out disaster relief operations and medical missions. It also has a scholarship program for an alternative learning system.

FAQ

  • Does Cebuana Lhuillier have Western Union?
    Yes, Western Union and Cebuana Lhuillier have joined forces to enable Filipinos to send and receive Western Union money transfers.
  • What do you call Cebuana Lhuillier?
    Cebuana Lhuillier Pawnshop belongs to the PJ Lhuillier Group. Previously it was called Agencia Cebuana.
  • Where can I claim Cebuana Lhuillier?
    This can be done at any Cebuana Lhuillier pawnshop branch. Fill out the Pera Padala form and present the completed form, a valid ID card and your 24k card. Get your money.

Cebuana Loan Requirements

In order to obtain loans, it has to be done via traditional pawning. For this, the applicant must have a valuable item to be pawned.

What items are accepted?

1. Gold;
2. Jewelry;
3. Watches;
4. Electronic gadgets.

Aside from the items to be pawned, the applicant must also present a valid ID:

1. Passport;
2. Voter’s ID;
3. Postal ID;
4. OFW ID;
5. Driver’s license;
6. OWWA ID;
7. Integrated Bar of the Philippines (IBP);
8. Government Service Insurance System GSIS e-card;
9. Social Security System (SSS) ID;
10. Senior Citizen Card;
11. Home Development Mutual Fund (HDMF ID);
12. GOCC;
13. Company ID;
14. Professional Regulation Commission (PRC) ID.

Other documents include:

1. Police clearance;
2. National Bureau of Investigation (NBI) clearance;
3. Barangay certification;
4. Seaman’s book;
5. Department of Social Welfare and Development (DSWD) Certification;
6. Alien Certification of Registration/Immigrant Certificate of Registration;
7. Certification from the National Council for the Welfare of Disabled Persons (NCWDP).

You can find out the amount of Cebuana Lhuillier payment charges on the official Cebuana website. There you can also download the Cebuana bills payment form. You can pay any bills and services, including utility bills. For example, many people in the Philippines prefer the convenience of Cebuana Lhuillier Meralco bills payment.

I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
1000
200000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

Cebuana Lhuillier branches that are open 24/7

Here is a list of some Cebuana Lhuillier 24 hours branches.

  • Cebuana Lhuillier Makati branches

Pitogo – Makati Branch
Address: 15 Kalayaan Ave. Bo. Pitogo, Makati City

P. Burgos – Makati
Address: 5058 P. Burgos St., Makati city

Oplan Suyod Branch A, B, and C
Address: 1782 Candelaria St. corner N. Garcia St., Brgy. Valenzuela, Makati City, Metro Manila

  • Cebuana Lhuillier Baguio 24 hours branches

Baguio 1
Address: 25 Abanao St., Brgy. Asco, Baguio City, Benguet

  • Cebuana Lhuillier Davao branches

CLH Matin
Address: Egger Building, Matina Crossing, Davao City

Cebuana Lhuillier operating hours vary depending on the location like those located inside malls or commercial buildings. Of course, if the commercial is only open for a certain number of hours then so are all the businesses inside. So make sure to check a Cebuana Lhuillier working days  online.

What is Cebuana Lhuillier Insurance?

What is Microinsurance?
This is an insurance program meant for minimum wage earners. In the event of an accident or death, medical or funeral expenses for the insured person can be covered. There are a variety of these programs under this category that applicants can choose from. For a single application, the insured can be covered for a certain length of time. An example is their ProtectMax Insurance for a low starting fee of PHP 50.00 or roughly $1.00, the applicant can be covered for up to 4 months. Depending on the type of emergency, the lowest amount that can be covered is PHP 1,000.00, and the highest being around PHP 25,000.

What is Cebuana Lhuillier Micro Savings?

This is a regular savings account that can hold any amount of money. Account holders can deposit and withdraw money anywhere at any time through Cebuana Lhuillier’s network of over 2,500 branches in all cities of the Philippines. This makes financial services even more accessible. Only 1 valid ID is needed to open such an account. The minimum initial deposit is Php 50 and the maximum possible balance in the account is Php 50,000. The minimum balance to receive interest is 500 pesos and the annual interest rate is 0.30%.

Apply now

Pawnshop Loan vs Online Loan

A pawn shop loan is a special type of loan that will require you to submit an item of significant value such as a gadget or jewelry. The amount of money you will get will also depend on the evaluated monetary value of the object you wish to pawn. The more cash you need the more valuable item you need to pawn. In some cases, you might have to pawn multiple items. They will evaluate the item and the estimated value will typically be lower than the item’s original price. It’s like selling them a second hand item. Once they determine the value and you agree to it, you can get the cash you need.

Now, to get it back, you will have to pay for the item, essentially buying it back, but at a higher price because they added interest. Depending on the loan terms, you may pay a high amount that’s why it’s always a good idea to pay back as soon as possible. You may also lose the item if you don’t pay after a given amount of time or depending on the agreement. Cebuana Lhuillier offers this service, you can read more about Cebuana Lhuillier rates on their website.

Online loans, on the other hand, are different but may be much easier and less risky on the part of the borrower since there is no collateral required, but this depends on the service if they require it. But why should you choose an online loan service?

For starters, online loans are faster to process especially if they have a website you can visit. You also don’t have to deposit a physical object at any of their branches, which is another hassle if you are in a hurry. Of course, not everyone wants to just trade anything of significance, especially if it’s something with a sentimental value. So online loans are a lot more versatile in this regard.

Online Loan in Robocash

Robocash is a money lending service that provides borrowers small loans. For those who are borrowing for the first time, they can loan as high as PHP 10,000.00 with a daily interest of 0%. Loan term is possible from 7 to 15 days. This amount is just perfect for paying bills or for starting a very small business, especially in today’s economic and health climate which is rather uncertain.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

Repeat borrowers can borrow up to PHP 25,000.00 for a period of up to 30 days, with a daily interest of 1.5%. Robocash does not require a deposit of valuables, guarantors and references from the workplace. Even if you are a freelancer you can get a loan. It is advisable that any amount borrowed must be repaid as soon as possible to avoid incurring penalties.

Who is qualified to borrow from Robocash?
Borrowers must be Filipino citizens, within 21 to 70 years of age, and must possess the proper documents such as government-issued IDs. For retired applicants, they must have another source of income aside from a monthly pension. It is also necessary to have citizenship of the Philippines and a permanent address in the Philippines. In addition, you need an ID and a working cell phone.

Apply now

Robocash Reviews

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Robocash Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Robocash Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.