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    Cebuana Lhuillier

    Philippine pawnshop, remittance and microfinancial services

    Founded
    1987
    Headquarters
    Makati City, Philippines
    Stage
    Private
    Licences
    3
    BSP, IC

    Overview

    Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies.

    Mission

    To provide accessible financial services to every Filipino family.

    Products

    • Pawning
    • Pera Padala (Remittance)
    • Microinsurance
    • Micro-savings
    • Bills Payment
    • Money Changer

    Serves

    ConsumersOFWsUnbankedRural communities

    Funding and ownership

    Stage

    Private

    Parent organisation: PJ Lhuillier, Inc. (PJ Lhuillier Group)

    Investors and shareholders

    PJ Lhuillier Group of Companies (privately held)

    People

    • Henry Léon Lhuillierfounder, Agencia Cebuana
    • Philippe Jones Lhuillierbuilt modern business; Chairman

    Licences and certifications

    Awards and recognition

    • Asia CEO Awards — CEO of the Year (Jean Henri Lhuillier, 2025)
    • Asian Banking & Finance — Rural/Cooperative Bank of the Year, Philippines (2024)

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