Why Cebuana Lhuiller Is My Favorite Pera-Padala Payment Center.

I am one of the many people who is thankful that there became a way to send and receive money without using the bank as well as asking someone a favor to give the money to someone if they're heading to the same location of the person you'll give it too. I wasn't even aware of this until after a few years back that almost everyone's already using them. And there became a lot of them that sprout throughout the time. I already tried almost every leading pera-padala payment center but I always go back to Cebuana.

1. They might not be the lowest in the payment fee whenever you send money through them but they're definitely not the the most expensive too. And it's more than okay for me because I am satisfied with their service.

2. All of their branches that I already went to are airconditioned and clean.

3. Their guards are alert, polite and very approachable. This is proven since I have been to a lot of Cebuana Lhuiller branches. The guards are also sometimes the ones who are assisting the people and it is a plus.

4. Their staff are also polite. And they are also helpful, specially in the branch in EDSA Cubao where I frequently go. I never encountered any bad experience with them. They explain if something is wrong and they don't nag at the clients.

5. Their work us synchronize. I have never stayed for so long in a branch because the staffs are neglecting to do their job. There was just once when the money I was receiving isn't verified yet or something but it's okay because it's an understandable situation.

All in all, my experience with the company for almost four years of being one of their customer is good. They also have a 24k goldcard wherein you can use your accumulated points for load!


Anyway, I was browsing their website last night and saw that they are just more then a pawnshop and a pera-padala center.

You can get small loans from them too!


Multi-purpose loans offered to registered entities such as tricycle operators, credit cooperatives and other groups, as well as SMEs such as restaurant and mini groceries, among other businesses. 

*Initially available in select areas of Laguna and Southern Metro Manila


Multi-purpose loan amounting to Php 5,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary.

FAQ’s Q:

What is Happy Loan?
A: Happy loan is an unsecured and fast cash loan amounting to Php 5,000 at 5% interest per month plus a 4% service charge per availment, payable in 3 months.

Q: Who are eligible to avail?
A: Any individual with source of income (employed, self-employed, remittance, allowances & pension) and falls within the age bracket of 21-65 years old and has passed the company's credit scoring guidelines.

Q: What are the requirements to avail?
A: Requirements vary depending on the source of income. The common requirement for all types of borrowers are the
(1) 1 valid government issued photo-bearing ID and
(2) Proof of billing. The proof of income for salaried applicants is a pay-slip (atleast 1 full month); for self-employed — ITR or sales records or bank statements; for remittance receivers — remittance slips/bank statements; and for pensioners – proof of entitlement or bank statements.

Q: Where can I avail?
A: Happy Loans is now available nationwide.

Q: How long is the processing time?
A: Complete applications (forms & requirements) are processed 3 days from submission of complete documents received by CLFC thru our lending systems. Please allow us time to verify the information should the need arise for more credit investigation for some cases.

Q: How will I know if I am approved or disapproved?
A: CLFC will directly call applicants to inform whether the application is approved or disapproved. You will also receive an SMS indicating your release code once approved.

Q: Where will I claim the proceeds of my loan?
A: Proceeds are collected at the pawnshop where you applied. Just present the following:
1. Valid ID
2. Release code sent to you via SMS.

Q: Does the approval have a validity period?
A: Yes, approved loans are valid up to 7 days only, after that, loan is revoked or cancelled. 

You might or any of you might need this so I am happy to put it out there!

You can like visit their facebook pages and their website for more details.

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