Table of contents
| Name of Organization | CEBUANA LHUILLIER |
| Full Name of Organization | CEBUANA LHUILLIER |
| Hotline | (02) 8879-9800 |
CEBUANA LHUILLIER - Product Features
| Min. financing amount | 100 php |
|---|---|
| Max. financing amount | 100000 php |
| Max. financing amount | 365 days |
| Loan tenure | 2% |
| Approval duration | Average time from 2 to 12 hours |
Fees & Charges
| Debt consolidation | Information on debt consolidation is not listed on the site. You need to contact representatives of the organization through any source and clarify |
|---|---|
| Processing fee | One-time fee is not charged when making a loan |
| Stamp duty | Stamp duty is not provided in the organization |
| Annual fee | Annual fee ranges from 180% to 365% depending on the percentage under which you borrowed |
| Other fees | Other fees are not listed on the site. However, when applying for a loan, you can include insurance or any other services. For more information, you need to consult with representatives of the organization. |
Penalties
| Early settlement | Early debt settlement does not charge you extra fees. For more information contact the credit organization. |
|---|---|
| Late payment charges | 6% of overdue amount |
| Other penalties | Not provided |
Additional Requirements
| Need to bind a bank account | No |
|---|---|
| Other details | Payment on the loan occurs through a bank card |
IS CEBUANA LHUILLIER LEGIT?
There are mixed reviews online when it comes to Cebuana Lhuillier. Some people say that their services are great and they offer good loan terms, while others complain about the high interest rates and hidden fees. So, whether or not Cebuana Lhuillier is legit really depends on your personal experience with them.
How to take a loan in CEBUANA LHUILLIER?
If you’re thinking of taking out a loan from CEBUANA LHUILLIER, here are some steps to follow:
1. Check the interest rates and loan terms
Best offers
Before you apply for a loan, make sure you know what the interest rates and loan terms are. This will help you decide if the loan is right for you.
2. Apply for a loan online or in-store
CEBUANA LHUILLIER offers both online and in-store applications. So, you can choose the option that’s more convenient for you.
3. Gather the required documents
When applying for a loan, you’ll need to provide some documentation such as your ID, proof of income, and proof of residence. Make sure you have these documents ready before you apply.
4. Wait for approval
Once you’ve submitted your application, CEBUANA LHUILLIER will review it and let you know if you’ve been approved.
Additional conditions for granting loans
CEBUANA LHUILLIER may require you to meet additional conditions before they will grant you a loan. These conditions could include having a good credit score, being employed, or having a certain amount of money in your bank account.
Make sure you meet all the requirements before applying for a loan, as CEBUANA LHUILLIER may not grant you one if you don’t meet them.
Reasons for a loan denial
There are several reasons why CEBUANA LHUILLIER may deny you a loan. Some of these reasons could include having a bad credit score, not meeting the eligibility requirements, or not having enough money in your bank account.
If you’ve been denied a loan, you can ask CEBUANA LHUILLIER for more information on why you were denied. This will help you understand what you need to do to improve your chances of being approved for a loan in the future.
Can CEBUANA LHUILLIER give you another loan?
If you’re not happy with your CEBUANA LHUILLIER loan, you may be able to get a new one from them. However, the interest rates and terms may not be as good as the first loan. So, it’s important to shop around and compare different loans before you decide which one is right for you.
Will the amount of the next loan be increased?
CEBUANA LHUILLIER may increase the amount of the next loan you take out from them. However, they will likely only increase the amount if you meet certain conditions, such as having a good credit score or being employed. So, it’s important to meet all the requirements before applying for a loan.
If I am approved for a loan, when will the money show up in my account?
If you’re approved for a loan, the money will usually show up in your account within a few days. However, the amount of time it takes for the money to be deposited will depend on your bank and the type of loan you’ve taken out. So, make sure you read the terms and conditions carefully before you sign anything.
How much does CEBUANA LHUILLIER charge in interest and fees?
CEBUANA LHUILLIER charges different interest rates and fees depending on the type of loan you take out. So, it’s important to read the terms and conditions carefully before you sign anything. However, some of the interest rates and fees they charge include:
- – Interest rates of up to 3% per month
- – Processing fees of 2-5% of the loan amount
- – Late payment fees of 10-20%
So, make sure you’re aware of all the interest rates and fees before you take out a loan from CEBUANA LHUILLIER.
ADVANTAGES of CEBUANA LHUILLIER
CEBUANA LHUILLIER offers a number of advantages when it comes to taking out a loan. Some of these advantages include:
- – Quick approval times
- – Convenient online and in-store applications
- – Wide range of loan amounts and terms available
- – No pre-payment penalties
So, if you’re looking for a quick and easy way to get a loan, CEBUANA LHUILLIER is a great option.
DISADVANTAGES of CEBUANA LHUILLIER
CEBUANA LHUILLIER may charge high interest rates and fees, which can end up costing you a lot of money in the long run.
They may also deny you a loan if you don’t meet their eligibility requirements.
Finally, the money from your loan may not show up in your account as quickly as you’d like.
How to take a loan in CEBUANA LHUILLIER?
- Fill in the application for a loan.
- Confirm the offer. The offer is signed by an SMS code sent to your Get the solution instantly!
- Transfer money to a bank account or card in one day!
Additional conditions for granting loans:
- the whole process through the Internet, without leaving home;
- for Filipino citizens who have reached the age of 21 (majority);
- the presence of a permanent registration in the territory of the Philippines;
Reasons for a loan denial:
- Poor credit score
- You are blacklisted, on debt review or had a judgement against your name
- You don’t have enough income for the loan you requestedd
- Poor track record of credit card or loan repayments
Managing structure CEBUANA LHUILLIER
I know everything about the Philippines financial market because I have been working in the financial sector for more than five years.