About Us

Formally established in 1988, the PJ Lhuillier Group of Companies (PJLGC) is a dynamic, multi-industry company that owns and operates businesses dealing with financial services such as pawning, remittance, microinsurance, micro savings, and business to business micro loan solutions.
 
We also ventured into other industries such as retail, hotel and restaurant management, IT, sports management, and real estate.
We are the proud parent company of Cebuana Lhuillier, the Philippines’ leading and largest micro financial services provider specializing in pawning, remittance, microinsurance, and micro savings.
We attribute our dominance in the industry to innovation, to our robust network of local and international partners, and to our commitment to nurture our growing clientele.

MISSION & VISION

Through the years, we have grown to become one of the country’s strongest financial services companies.
Since opening our first Agencia Cebuana in Cebu, we have been undergoing breakthroughs to achieve our vision of becoming the best.

Company Mission

We are your most trusted financial partner.

Company Vision

We will empower Filipinos through financial services anytime and anywhere.

OUR HISTORY

Through the years, we have grown to become one of the country’s strongest financial services companies.
Since opening our first Agencia Cebuana in Cebu, we have been undergoing breakthroughs to achieve our vision of becoming the best.

MANAGEMENT TEAM
TOP MANAGEMENT

Amb. Philippe Jones Lhuillier

CHAIRMAN AND FOUNDER

Jean Henri Lhuillier

PRESIDENT AND CEO

PHILIPPE ANDRE LHUILLIER

SENIOR EXECUTIVE VICE PRESIDENT

MANAGEMENT COMMITTEE

Ergilio Ong

Senior Vice President and Group Head

Digital Products

Dennis Valdes

First Vice President and Group Head

Cebuana Lhuillier Rural Bank

Jose Miguel Jimenez

First Vice President and Group Head

Pawnshop Operations

Filemon Cecilio Cabungcal

First Vice President and Group Head

Finance

Michael Sena

First Vice President and Group Head

Integrated Marketing and Communications

MARISSA ANCOG

First Vice President and Group Head

Planning and Quality Management

Anthony Lou M. Bernabe

First Vice President and Group Head

Cebuana Lhuillier Insurance Brokers, Inc.

Allan Malig

First Vice President and Group Head

Information and Communications Technology

Atty. Rose Ereño

First Vice President and Group Head

Legal Services

Erlinda Sumañga

First Vice President and Group Head

Money Transfer

Jo-Ann Tacorda

First Vice President and Group Head

Corporate Services

Christine Syjueco

First Vice President and Group Head

Retail Business Group

Severino Gonzales

First Vice President and Group Head

Properties

Ruth Viray

First Vice President and Group Head

Shared Services Center

Annette Tirol

Senior Vice President and Group Head

Customer Engagement and Market Development

Rozelyn Torreno

Executive Assistant to the CEO

Office of the President

General Managers

Gilbert Uy

GENERAL MANAGER

Bacau Bay Coron

Elesa Modiquillo

GENERAL MANAGER

Just Jewels

SEALS OF EXCELLENCE

As we continue to serve the local and international markets, our commitment to always provide our clients with excellent service remains to be the integral mission of our organization. In the recent years, our efforts have been recognized by different award-giving organizations, both local and international.

EXCELLENCE IN TECHNOLOGY

ISO/IEC 27001:2005 Certification Networld Capital Ventures, Inc.

EXCELLENCE IN PAWNING

A trusted member of National Pawnbrokers Association

CHAMBER OF PAWNBROKERS OF THE PHILIPPINES MEMBER

CEBUANA LHUILLIER'S COMMITMENT TO CLIENTS

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

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

We provide for your microfinance service needs.

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

When you transact with us, we shall: Manifest courtesy in our words and actions.

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

Aim to cultivate a lasting relationship.

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

Deliver professional and personalized service.

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

We monitor your level of satisfaction with our service.

SMS – We proactively gather your feedback by sending you SMS to check service satisfaction with your recently availed service.
Surveybot – We deployed a chatbot, “Ceb”, for an interactive, digital and automated self-service survey regarding your branch experience. You can search for and chat with him on Facebook Messenger.

We make our services available to you through all the available channels possible.

Aside from our 2,500 branches nationwide, you may access our services using your mobile phone or computer.

We value your loyalty.

Our 24k Plus Membership Rewards Program is a way of showing gratitude to our loyal clients. 24k Plus cardholder are entitled to exclusive privileges, discounts, special offers and other exciting freebies.

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.)

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)

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.)

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 (PhilID) card
  • 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;

  1. Passport
  2. Driver’s License
  3. Professional Regulations Commission (PRC) ID
  4. National Bureau of Investigation (NBI) Clearance
  5. Police  Clearance
  6. Postal ID
  7. Voters ID
  8. Tax Identification Number (TIN)
  9. Barangay Clearance
  10. Government Service Insurance System (GSIS) e-Card
  11. Social Security System (SSS) Card
  12. Senior Citizen ID Card
  13. Overseas Woekers Welfare Administration (OWWA) ID
  14. OFW ID
  15. Seaman’s Book
  16. Alien Certificate of Registration (ACR)/ Immigrant Certificate of Registration
  17. Government office and GOCC ID (eg. AFP, HDMF?Pag-ibig Fun IDs
  18. Certification from the National Council in Disability Affairs (NCDA)
  19. ID issued by the National Council on Disability (NCDA)
  20. DSWD Certification
  21. Integrated Bar of the Philippines ID
  22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
  23. Philippine Health Insurance Card ng Bayan
  24. School ID signed by the principal or head of educational institution
  25. National ID/Philippines Identification Card (PhilID)
  26. Philippine Identification Card (PhilID) issued by Philippines Statistics Authority (PSA)
  27. Unified Multi-Purpose IS (UMID)