Traditional pawning is essentially about taking your valuable possessions to the pawnshop, getting an appraisal, and receiving the corresponding amount in relation to your collateralized property. At Cebuana Lhuillier, you can pawn both jewelry and non-jewelry items. For jewelry, a person can pawn gold, silver or platinum jewelry items. Diamonds and high-end watches are also acceptable as collaterals. For non-jewelry, one can pawn gadgets such as a laptop, a tablet or a cellphone.
Traditional pawning with Cebuana Lhuillier is very fast and convenient. The process is easy to follow and receiving the money you need is totally hassle-free.
The first step to take is to visit the Cebuana Lhuillier branch nearest your home or place of work.
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The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.
Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies - Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies.