Feature: Why Cebuana Lhuillier?

Wednesday, June 13, 2018

     Back in my younger years, I always see my mom keeps on buying different kinds of jewelry from a family friend. She is one of the trusted jewelers in our area and seeing her every month in our house showing an assortment of earrings, rings, and bracelets to my mom stirred my curiosity. I know gold is a fashion accessory and little did I know that it's an investment, an important thing that my mother is taking care of after all these years because it will be a useful heirloom in the future.

     Can I say that I'm lucky that my mom has thought of that? She keeps on telling me that I will need those in the future, in case there's an emergency. Past forward today, now I know what she's talking about. Know more why an heirloom is important and why the saying "Pag nagigipit sa patalim kumakapit" is now "Pag nagigipit sa Cebuana Lhuillier dapat lumalapit" below :)

Feature: Why Cebuana Lhuillier?

     My mom already gave this set of jewelry years ago and told me to use it when a financial problem arises. So yes, I'm not new to pawning. I've pawned a few pieces of jewelry in the past and it's because there's an emergency- I was admitted to the hospital and in need of an immediate operation. During those times, we need a huge amount of money. Even our savings is not enough to cover the medical expenses. I asked my husband to pawn the jewelry and thank goodness that it gave us quick cash.

Feature: Why Cebuana Lhuillier?
My mom gave this jewelry set

     I hope I can still show you the pawn tickets because from there you will see that I'm a loyal Cebuana Lhuillier customer. But just recently, my father had a financial emergency. I need to fund his dialysis treatment for a month because one of their lessee got delayed in paying their monthly rental. Since I only need a small amount to cover my father's dialysis treatment, I decided to pawn one of the earrings that my mom gave me.

Feature: Why Cebuana Lhuillier?
I pawned these earrings because of an emergency

     Before going to Cebuana Lhuillier, I decided to have my earrings appraised in a nearby pawnshop. The earrings were appraised for P4,000 and in my computation, I needed more than that so I said to myself to just do the pawning the day after an event.

Feature: Why Cebuana Lhuillier?

     Two days later, I went to Makati for an event. Since I brought the earrings with me, I decided to drop by Cebuana Lhuillier pawnshop and have it appraised. To my surprise, it's P2,300 higher than the first pawnshop I went to. From there, I'm just a few steps away from pawning my jewelry to our trusted pawnshop for years.

Feature: Why Cebuana Lhuillier?

Why Cebuana Lhuillier?

1. Cebuana Lhuillier have the highest appraisal rate. Like what I said above, I'm a loyal Cebuana Lhuillier customer/pawner and found out that there will be an additional rate for the appraisal. How did I found out? Their system automatically detected my name upon submission of personal details to one of the personnel.

2. Pawning is easy with Cebuana Lhuillier as they have more than 2,500 branches nationwide. There are four branches near our area. It's very accessible and the place is located in an established and well-lit location.

3. There's a dedicated lane for pawning. The process is easier and shorter. When you are going to pawn your jewelry, you're the VIP! Not only during pawning, I also experienced shorter lines for redeeming and interest services.

4. Your jewelry is safe and secured. Their vault is protected with a time lock mechanism.

5. Cebuana Lhuillier accepts gold, diamond, and platinum jewelry and watches, as well as selected non-jewelry items such as cell phones and laptop computers.

6. There's a Renew Anywhere option, there is no need to go back to the branch where the item was pawned to renew the loan.

Pawning is easy, here's how: 

1. Go to the dedicated pawning line and have your jewelry appraised by one of their staff. They will inspect the jewelry with care. Check the engraving first for the carat and where it is made. The jewelry will be put on a weighing scale and from there, the staff will calculate how much is the appraisal rate which is higher from other pawnshops.

Feature: Why Cebuana Lhuillier?
My precious earrings from mom

2. You will fill out a small form for your personal details.

Feature: Why Cebuana Lhuillier?
Fill out with personal details. The same as with your valid IDs

4. The jewelry will be sealed in a plastic and you will need to affix your signature on the plastic.

Feature: Why Cebuana Lhuillier?
Sealed with signature

5. The pawn ticket will be printed in just a few minutes and it will be given to you including the receipt. In the ticket, you will see important information about the pawnshop, the jewelry, charges, and appraisal rate. The advance interest will be charged Php4 for every Php100 loan amount. To maintain the excellent standard of service offered by Cebuana Lhuillier, clients will be charged additional one percent (1%) of the principal loan, but not exceeding five pesos (Php5). No other hidden charges will be deducted from the loan.

Feature: Why Cebuana Lhuillier?
Here's my pawn ticket :)

     Yay! Quick cash, no interviews, inspection, and other hullabaloos just to have your jewelry pawned. Don't worry, based on my experience with Cebuana Lhuillier rest assured that your items are safe and secured. I don't know why I have this feeling, but let me give you a real talk about money matters. If there's an emergency and you need quick cash don't be afraid to enter a pawn shop. Don't be ashamed that you're inside a pawnshop. Be still and have a peace of mind that you have something that you will just exchange for cash.

     You don't need to go to your friends or relatives to borrow money if you have a jewelry or gadget to pawn. Sometimes, it will just add to the 'utang na loob' that we Filipinos truly value. In my observation, there are some instances that borrowing money and having this cultural trait may spark an issue or misunderstanding in the future. If you don't want this to happen, then pawning your jewelry is your best bet. That's why I'm saying this again, "Pag nagigipit sa Cebuana Lhuillier dapat lumalapit"

Have you tried pawning before?

For more information about Cebuana Lhuillier and their pawning services,
visit their website https://www.cebuanalhuillier.com/
Like them on Facebook: Cebuana Lhuillier
Follow on Instagram: @cebuanalhuillier

Good Times!~


  1. Replies
    1. Hi Rojean,

      Thanks for sharing your experience :)

  2. Nvr q pa na try mag sangla sa cebuana pero nakapag try nako mag claim ng money.Good thing dto sa cebuana nmin is air conditioned ung waiting area at malinis talaga. pero pag inabot ka ng mlas lagi mahaba ang pila at magooffline pa. 😞

    1. Hi Pchi Peach,

      Next time you need mag-sangla, I suggest Cebuana. If ever, the guides naman are here so don't worry. You can check this post from time to time. I agree, minsan mahaba ang pila kasi madami talaga silang customers. Yun nga lang di maiiwasan mag-offline kasi yung server naman hindi lang sa Pilipinas.

  3. kay mama ko din antutunan mag sangla :) Nung una parang ano ba yan... hahaha pero later on lalo na if things get tough. Mag-Sangla is a good way to go :)

    1. Hi Aci,

      Yay! Diba? Kaya nice kasi hindi mo na need humiram ng money from others.


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