In short
Cebuana Lhuillier Bank's own loans page, consumer loans page, calculator and site search no longer list a car or auto loan at all.
Only its Motorcycle Loan, Tsikot to Cash car-collateral loan and Personal Loan appear on the bank's current site. A bank car loan on ₱1,000,000 over 60 months starts at ₱20,967 a month at UnionBank.
- Auto Loan status
- A 2023 page is still live on cebuanalhuillier.com; not on the bank's current site
- Financing share stated
- Up to 70% of the car's value (worked example shows 60%)
- Bank's current vehicle loan
- Motorcycle Loan only; no car or auto loan
- Related product
- Tsikot to Cash Loan, cash against a car up to 5 years old, up to 40% of its value
Does Cebuana Lhuillier offer a car loan in 2026?
Partly, and unevenly. A page titled Auto Loan is still live on cebuanalhuillier.com, filed under the Cebuana Lhuillier Bank category.
It was first posted in September 2023 and last modified October 2025. It states financing of up to 70% of a car's value.
Its worked example is a ₱400,000 vehicle financed at ₱240,000, paid as low as ₱8,600 a month over 36 installments.
Cebuana Lhuillier Bank's own current site tells a different story. Its loans page, its consumer loans page, its loan calculator and its site search for "vehicle" all show the same lineup.
That lineup is Home Loan, Jewelry Loan, Personal Loan, Motorcycle Loan, SME Credit Line and SME Term Loan, with no car or auto entry anywhere. Two direct paths, /auto-loan/ and /car-loan/, on the bank's domain both return a 404.
A May 2026 article describing the bank's loan lineup mentions pawning, personal, jewelry, negosyo, OFW and motorcycle loans; car financing is not among them.
What the 2023 Auto Loan page states
The live 2023 page's own numbers do not add up cleanly. It advertises financing "up to 70 percent of your car's value," which does not match its own worked example.
That example, ₱240,000 financed against a ₱400,000 vehicle, works out to 60 percent. The page names no interest rate, no rate basis, and no loan term range beyond the single 36-installment example.
It also names no down payment percentage and no document list.
| Item | What the page states |
|---|---|
| Financing share | Up to 70% of the car's value |
| Worked example | ₱400,000 vehicle, financed to ₱240,000 (60%) |
| Sample monthly payment | ₱8,600 a month, 36 installments |
| Interest rate | Not stated |
| Down payment | Not stated |
What Cebuana Lhuillier Bank lists instead
Two vehicle-related products are confirmed on the bank's current site. The Motorcycle Loan appears on the Consumer Loans page and in the loan calculator.
The Tsikot to Cash Loan uses your existing car, five years old or younger, as collateral for cash up to 40% of its value.
Its own worked example finances ₱160,000 against a ₱400,000 vehicle, paid at ₱14,822 a month over 12 installments. This is a different product from a car-purchase loan.
Cebuana Lhuillier Bank is regulated by the Bangko Sentral ng Pilipinas, with deposits PDIC-insured up to ₱1 million per depositor. It operates over 3,500 branches nationwide as of its 2026 figures.
- Tsikot to Cash Loan
- Cash against your own car, 5 years old or younger, up to 40% of its value
- Tsikot worked example
- ₱400,000 vehicle, ₱160,000 loan, ₱14,822/month over 12 installments
- Regulator
- Bangko Sentral ng Pilipinas; PDIC-insured deposits
What else Cebuana Lhuillier actually lends for
A May 2026 article describes the group's current loan lineup, across its network of more than 3,500 branches. It names pawning, a Personal Loan, a Jewelry Loan, a Negosyo (small business) Loan, a loan for OFWs, and the Motorcycle Loan.
Car financing is not part of that list. If your actual need is a small business loan or cash against jewelry rather than a vehicle, those products are confirmed and current.
The Auto Loan page is not.
- Confirmed current loan lineup
- Pawning, Personal Loan, Jewelry Loan, Negosyo Loan, OFW loan, Motorcycle Loan
- Branch network
- Over 3,500 branches nationwide
How to confirm before applying, and what to do instead
Because the 2023 page and the bank's current site disagree, call ahead before treating either as current. Use (02) 7759-9800 or (02) 8779-9800 for the bank, or the numbers on the auto loan page itself, 8779.9800 (PLDT) or 7759.9800 (Globe).
There is also a text-only line at 09178122737 (Globe) or 09188122737 (Smart).
For a car loan with a stated rate, term and document list today, a bank that keeps the product live is the safer route. BPI and Landbank both carry current rate tables.
The car loan calculator compares all 8 banks for your own down payment and term. On a ₱1,000,000 loan over 60 months, add-on rates at the 7 that quote one currently span 25.80% to 32.52%.
Do not treat the 2023 Auto Loan page's ₱8,600 example as a current rate quote. It is one worked example with no stated interest rate, and the bank's own current site does not list the product at all.
Why this gap matters if you found the Auto Loan page first
Cebuana Lhuillier's brand is built on pawnshop-style, fast, collateral-based lending. That is exactly why a page promising a car loan at a fixed monthly payment would look credible.
The mismatch here is not that Cebuana Lhuillier is untrustworthy; its bank arm is regulated and PDIC-insured. The mismatch is that a single old marketing page never got taken down after the bank's own product lineup moved on without it.
This leaves searchers with an example that cannot be confirmed as current pricing.