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Requirements to Apply for Happy Loan in Cebuana Lhuillier

There are now more options to get small loans aside from the 5/6 sa bombay, one of them is the micro loan offerings of Cebuana Lhuillier that is now available in all branches nationwide.

This company-lender offers different types of micro loan geared to help out the common tao.

One loan being offered is called “Happy Loan”, there is also a “Gadget Loan”. There are also ‘bigger’ loan programs like “Easy Negosyo Loan” and “Lucky Loan” with different set of requirements.

HAPPY LOAN APPLICATIONS

Happy Loan is a multi-purpose loan that features fast approval and cash loan release.  No collateral required. Interest rate is 5% per month plus a 4% service charge per availment. The approved loan must be paid in 3 months.

Since it is a fast cash loan type – loan evaluation, approval and release is generally faster compared to say bank loan. ‘Happy’ is also a multi-purpose loan so you can use the loan proceeds for any purpose like to pay tuition, for house repair, for emergency hospitalization payment, as an added capital for your business, as trip allowance, to pay utility bills, etc.

If you are interested to apply, go to any branch of Cebuana Lhuillier, request for an application form, and ready your documents.

Note: Only those in the Philippines are allowed to loan. OFWs and Filipinos outside the country will not be allowed to apply for Happy Loan.

If you are an OFW and your relatives in the Philippines really need immediate money, then we suggest that you request the relative you usually send the remittance to, to apply for Happy Loan. Aside from the ID and proof of billing, he or she only need to present 3 months remittance payout transactions or certificate of international remittance.

HOW MUCH CAN YOU LOAN IN CEBUANA?

For the micro loan Happy program:

If it’s your first time to apply, the maximum loanable amount is P5,000 under Happy Loan. Pag naka 3 cycles of loan na kayo na tig P5k each, puede na kayo mag loan sa Happier Loan.

The maximum loanable amount is P10,000 under Happier Loan. Pag naka 3 cycles kayo ng Happier Loan, then you are now allowed to apply for their Happiest Loan.

The maximum amount you can loan under Happiest Loan is P15,000.

Anong ibig sabin ng 3 cycles? This means po na kunwari nagloan kayo ng P5,000 today sa Cebuana and your application is approve. Then nabayaran nyo to within the 3 months deadline. Complete na ang first cycle. So loan ulit kayo ng P5,000 at nabayaran nyo ulit to. Complete na ang 2nd cycle. You applied for a 3rd Happy Loan of P5,000 and you paid this off. The 3rd cycle is complete.

On your next loan, you now have an option to either apply for Happy Loan again na P5,000 or apply for a higher amount under Happier Loan na P10,000. Then when you completed 3 cycles of Happier Loan, you may now apply for the maximum P15,000 loan.

*iSensey will update this post if we find out if possible ba na maka-3 cycles sa Happy Loan then dritso na sa Happiest Loan na P15,000 max amount.

Why is Cebuana doing this cycle cycle? iSensey believes that Cebuana Lhuillier Finance Corporation does this to establish that you as the applicant is a good debtor, that you pay your loan as promised. This is a business so this lender needs to also establish that they are lending to persons na nagbabayad talaga at may kakayahang magbayad ng loan.

REQUIREMENTS WHEN YOU APPLY FOR HAPPY LOAN

*Loan applicant must be 21 to 65 years old, living in the Philippines.

*Get the application form from the branch of Cebuana Lhuillier.

*Submit requirements:

  1. 1 Valid Government Photo ID – listahan ng puedeng IDs
  2. Proof of Billing – puedeng Meralco bill, Nawasa, PLDT, credit card statement of account, house amortization statement, etc

*Billing statement under someone else’s name is acceptable as long as the address indicated in the billing statement is the same as the address indicated on the government ID that you will submit.

  1. Proof of income or Support

If you are a self-employed or you have a business, present ANY of the following as proof of income:

  • 3 months current bank statement – the bank account owner must be you as single depositor or as “joint account” basta nandun ang pangalan mo.

You can request the bank to issue a bank certificate for this purpose. There is a fee for bank certificate usually P100 to P200. Or you can also try to request Cebuana Lhuillier to accept photocopy of your passbook transactions.

  • Mayor’s Business Permit 2017
  • Barangay Business Permit 2017

If you are a currently Employed, present ANY of the following as income proof:

  • 1 month latest pay slip
  • Certificate of Employment which indicates the status of employment and annual income
  • Latest Income Tax Return

If you do not have work or business but you regularly receive International Remittance, present any of the following as proof of support:

  • Latest 3 months payout transactions
  • Certificate of Remittance indicates amount of transactions

*If you receive the remittance via Western Union, photocopy the payout slips for the last 3 months. If you receive the remittance via bank account, photocopy your passbook or request for bank certificate.

If you are a pensioner with regular monthly pension, present proof of entitlement or bank statement.

“Present Any…” yung required so kahit isa lang sa mga dokumento na kailangan ang isubmit mo ay puede as proof of income or support.

HOW TO APPLY HAPPY LOAN? Go to any Cebuana outlet and then ask for the application form. Fill up the form with correct details and then submit completed application form together with all requirements.

HOW MANY DAYS BEFORE LOAN APPROVAL / RELEASE?

For complete requirements, the usual processing time is from 3 to 5 working days, Saturday, Sunday, and holidays are not included in the counting of working days.

Note: If the Cebuana Lhuillier branch you visited is a very busy branch with lots of Happy Loan applications, the processing time may be extended.

If you are approved, you will receive a txt message with your loan release code, Cebuana will also call you to advise the same. IMPORTANT: Make sure to go claim your loan within 7 days after receiving the loan release code in the branch where you applied. If hindi niyo ma claim again, your approved loan will be cancelled.

If you are disapproved, a staff of Cebuana will call you to alert you to the disapproval.

HOW MUCH IS THE INTEREST FOR THE HAPPY LOAN PROGRAM?

The interest rate is 5% interest per month plus 4% service charge per availment. The loan amount is payable in 3 months.

*The 4% service fee is one-time charge upon loan release.

All loan applications are subject for evaluation at approval of the Loans Team in Cebuana Lhuillier.

May mga nadidisapprove ba? Meron po based on feedback on their fb page. You really need to submit complete requirements and meet the credit scoring criteria set by Cebuana when you apply para walang aberya.

HOW TO FOLLOW-UP LOAN APPLICATION?

It’s been 5 working days and you have not heard back about the status of your loan? Don’t hesitate to follow-up.

If you want to follow-up your Happy Loan application, it is recommended to visit the branch where you applied. You can also call them to get status update. Info needed for follow-ups are (1) Application number, (2) Complete Name of Applicant, (3) Date of Birth, and (4) Contact Number.

iSensey team has not personally applied for a Happy Loan. We got all these info from the official website of Cebuana and from their facebook page. We suggest that if you have any inquiries or concern, please visit a branch of Cebuana Lhuillier or call them up at these telephone numbers (02) 779-9800 (PLDT) or (02) 759-9800 (Globelines).

New Product in 2019: Do you want to start a savings account? Mag open na sa Cebuana! Apply for Micro Savings at mag-impok na!

We hope you will get approve when you apply for a Happy Loan!

Reader Interactions

Comments

  1. how should i know if my loan are approve, I”m waiting for any txt 1 week ago but still no ones send me message if my application are approve .

    • Hi Mark, we recommend that you go to the Cebuana Lhuillier branch you applied the Happy Loan with, baka kasi may sumablay dun sa documents na naipasa na and you need to submit additional papers.

    • good afternoon magkano po ang monthlu salary ang inaacept ng cebuana to avail the happy loan?

  2. n disaproved ung loan k bkit po kya at pwede p po b ulit ako mg aply ng happy loan

    • Punta po kayo sa branch kung saan kayo nag-apply at itanong ano ang grounds ng disapproval, para if kulang ng docs makasubmit kayo ng additional.

  3. Ask ko lng po.. My allotment aq every month but since kbabalik lng ng kapatid ko 2 months pa lng xa mkapagpdala sakin.. Ano po ba ang requirements na dpat kong i submit?? Pwed po bang 2 mos.lng loan term na aaplyan q??

  5. What if I haven’t proof of billing as stated in the requirements?
    I only renting here in Metro Manila.

    • Your loan application might be denied. Best move is pumunta sa Cebuana branch kung saan plano mo mag-apply para galing mismo sa kanila ang sagot kung anong puede mong gawin.

  6. Nagloan aq before. And it was disApproved. Sbi sakin ng teller d dw pwd ang government employee and kadalasan hindi tlga cla naaApprove. Is this true?

    • A certification coming from Grab of your earnings for the last 3 months, in our opinion, is pasok sa source of income requirements.

        • Same LNG s ngyari s akin, cguro, my existing loan k from other on line lending, like tala, moola doctor cash! If meron ka , decline ka rin , tulad ko….

        • Gusto ko po sana malaman bakit nadis approved ang ikatlong renewal ng application q samantalang advance payment pa yung bayad q… at nung tanungin q yung baranch di daw nila alam kung bakit nadisaproved.parang napaka unfair na bigla ka na lang madidisaproved ng walang dahilan. Yung bisness permit na una qng requirements inakala ng baranch na baka need ng additonal requirements pinagproduce aq ng 3 moths na remittance fr. Abroad naicomply q naman ang ending sabi ng branch nagstop na daw siguro ang pagpapaloan. Gusto q malaman kung nag stop na po ba talaga ang loan offers nyo. Dahil napagod lang aq kakapabalik balik para sa mga requirements na hiningi bagong prof of billing additional requirements at kung ano ano pa.

          • Halos 1 month na po nung ng file ako wala padin… Natawag ako sabi intay pang daw
            Pang 3 ko na pong loan advance naman ako lagi mag bayad… Bat po kaya ganun

            • Ung alam ko kc ay stop na ung cebuana from accepting happy loan, same LNG ng ngyari sa akin

  8. meron kya silng hotline n pwd pg tanungan para mkpg follow up ng applicationm ung di n pupunta ng branch kung san ng apply. tnx

  9. nakapag apply napo ako nag submit nko nung lunes ask ko lang po kase yung number ng bahay namin naiba number nung nag numbering ang baranggay. yung nasa meralco bill nmin n number e yung old number pa ang naka record sa kanila . ma de deny po ba yon?

  10. I submitted my document for loan until now I didn’t receive call or txt if I’m declaimed or my loan approved I don’t know coz no one call me or txt me in my mobile

    • Hi Mary, you can follow-up directly with the branch kung saan ka nag file ng Happy Loan. Ask them anong cause bakit wala pang feedback.

  11. Goodafternoon po tanong ko lang po kung ok na po o approve na po happy loan ko nung sept.05 po aq nagpasa ng loan 2nd time ko na
    Po to sakali . marami pong salamat & god bless po…

  12. Hi Ma’am almost 1 week na po status loan ko ng follow up na po ako untill now for processing pa din daw status loan ko.Ilan days po ba ang process ng loan?

    • Ang sabi po sa Cebuana pag complete requirements, meaning walang issue sa docs na sinubmit, 3 to 5 working days po. Hindi counted ang holiday sa pag count ng 3 to 5 days. Puede ka din po mag follow-up sa branch kung saan ka nag apply to ask them ano na status ng Happy Loan application mo.

  14. This is melisa,
    Itatanong q lng po kc almost 1 week na po ung pag apply q po sa loan q po pero until now wala pa rin po feedback,,,pumunta po aq dun sa branch ng cebuana kung saan po aq nagapply ng loan,,may binigay po sakin silang number sa smart at sa globe po,,pero hindi q nman po nakukuntak po ni isa po sa number po na yun,,2 beses na po aq pumunta dun sa brach kung saan po aq nag apply po ng loan,,ang sabu lng po sakin itxt or tawagan q daw po ung mga number na binigay po nila sakin na CLFC,,,,gusto q lng po malaman po ung status po ng loan q po,, mam/sir,,,complete requirement naman po lahat ng sinubmmit q po,,gusto q lng po malaman ng status nh loan q po,,,,maraming salamat po and godbless po,

    • Hi Melisa, di po kami makakasilip kung ano ang status ng loan niyo sa Cebuana kasi ang iSensey hindi po connected sa Cebuana Lhuillier. We only share details regarding the Happy Loan application process. Ang makakasagot lang talaga ng tanong niyo ay ang loan officer ng Cebuana at makokontak niyo lang sila sa number na binigay mismo ng branch sayo.

  16. I just received my Happy Loan Renewal today September 17, 2017 and I”m totally surprised and somewhat disappointed to learn that the approved loan renewal is still Php5,000. Not even the staff at the Cebuana Lhuillier Branch where i filed my loan could provide me an answer why my Happy Loan renewal was not upgraded to Happier Loan which entitles the borrower to the next higher loanable amount of Php10,000. These 3 cycles of borrowing that you mentioned was never explained to me before i filed my application. It was heartbreaking but somehow I have to be thankful that Cebuana Lhuillier had this kind of endeavor to help people in financial distress. My first loan was paid on time and even a month before its due date. It’s precisely because my take home pay is a bit high compared to other salaried employees. I thought with my impressive compensation background plus my good payment record, i would be qualified for the next level.

    I think there’s a need to review the terms and conditions of the Happy Loan program. If at first both loan applicant and Cebuana Lhuillier was HAPPY, then the next encounter should be HAPPIER and the last HAPPIEST! Establishment of a good credit standing by a debtor should be the basis for approval of the maximun loanable amount.

    Orly Aguinaldo

      • hello Ask ko lang po kelangan pa ba ng billing address kahit lahat ng docs kumpleto na mapapasa?

        • Kailangan sya, puede naman hindi nakapangalan sa iyo yung billing address (basta yung address sa billing statement same address na makikita sa government ID that you will submit.

  17. I go to cebuana p tuazon branch to apply for happy loan but unfortunately the teller wasn’t able to accept my billing address (Credit Card SOA and Brgy Clearance) he told me that he was only accept meralco, pldt and maynilad. I told him that i saw the link from cebuana happy loans that credit cards SOA are acceptable as proof of billing. He wasn’t able to try and accept my application, maybe the store was about to close. (I think the teller want to go home early) that’s why he was not in the mood to entertain those customer who have enquiries. Anyway i just want to call the attention of Cebuana Management, if you think your people was not efficient or not in the mood to answer and entertain those enquiries please do not let them allowed take his/her duty. It will result of bad customer service instead.

    • Hi James, thank you for your feedback, sana talaga malaman ng Cebuana ang mga customer feedback na ganito para mas umayos ang service ng lahat ng branch.

      *The latest credit card statement of accounts are accepted by financial institutions as proof of billing, kahit nga magloan ka ng bahay sa bank, accepted yan.

  18. I apply for a happy loan..there is 3category…which one you want to loan 5,000/10,000/15,000 so I check 15,000 do you think my frst loan can approved that I choose 15,000

    • Hi Ann, if it is your first time, you can only get approval for 5K if all requirements checks-out. May guideline po sila sinusundan for how much one can loan.

  19. I applied for the happy loan. The 3-5 business days turned out to 1month. In that amount of 5,000 it made them 1month to decide if you were approved or not. Sadly, my application was rejected with no reason. I thought an agent of cebuana will be the one to contact applicants to advise the reason why it was rejected but haven’t received any. If you’ll have to contact their phone numbers you will be answered after 30minutes on queue. I submitted all the requirements needed. Try to give coe and itr but they said no need to. Payslip, gov’t id’s and the filled out application will do. But still, it was rejected. Funny thing, 2 of my colleagues applied to their other branches with 2wks interval, they were also rejected.. So frustrating.

    • Hi Emelda, walang bracket na naka-specify sa guideline re:payslip ; you can go to a Cebuana branch and ask if yung payslip mo puede na ba yun, dala ka na din ng ibang requirements para if puede, dritso apply na.

  21. Gud day po. Kailangan po ba tapusin talaga ang 3 months na bayaran sa loan mo bago ka makapag renew uli o kapag binayaran muna lahat kahit hindi pa 3 months puede ka ng mag renew uli…tnks po

    • Hi Annaliza, sa pagkaka-intindi namin sa guidelines, pag tapos na mabayaran ang Happy Loan, puede na ulit mag file ng new loan sa Cebuana.

      Pag nakapunta po kayo ulit sa Cebuana at nag apply ng pangalawang beses, we hope po balik kayo dito to share feedback if may restriction sila sayo, or mabilis na ang approval. Thanks!

  22. Gud day,,bakit po ganun almost 3 weeks na po ung loan q ng nai apply q po untik now wala parin po dumarating po sakin na txt kung aproved o hindi ung loan q,,nakailang balik na din po aq dun sa branch kung saan po aq nagaaply,,kahit sila nagtataka na din kc ung ibang nag apply nman daw ay na release agad,,ei ung loan q almost 3 weeks na po wala parin,,,

    • Ma’am sir, nag apply po aqu kanina, kasoo dis approve, panu po if 2months plng si si misis sa abroad, kababalik nya mang kasi, dipo ba pwede in?

  23. Hi po, hindi po ba tlga pwd ung local remittances lang yong gamitin as proof of income? Wala pa po kasi ako business permit sa pisonet ko..

  24. Hi po. Ask ko lang if pag renewal ng happy loan mas mabilis po ba at same requirements din ba? Since may reference na sila sa.previous loan sa kanila.

    • Hi Trishia, may nag feedback na dito sa iSensey na nung second apply mas tumagal, baka depende sa workload hinahandle ng loan officer ang processing time. Same requirements pa din.

  25. Hi po, I want to apply sana ng happy loan ng cebuana, I want to know lang kung all requirements are all xerox copy or original? Yung statement of account po kasi ng credit card ko nakabase sa dati kong branch, nalipat na kasi ako ng branch pero same company pa rin naman .. May latest payslip naman ako and SSS ID, ma approve kaya yung loan ko?

    • Hi Rachelle, photocopy sa pagkaka-alam namin. When you go to the branch just bring the original in case they want to verify if real docs yung sinubmit mo. As to approval, depende po yan sa loan officer na mag eevaluate sa application mo.

  26. hi! ask ko lng po if do i need to wait for my last due date bago ako makapagfile ng renewal of loan? or pwede ko n bayaran at mgfile khit di p po due date?

    • You can pay ahead of due date. Once clear na loans, puede ka na mag file ulit. Pero we think hindi puede ung pagbayad mo, loan agad after a few minutes. Kasi usual procedure ng loans ay to forward your records to the loan department for clearance, so it will take a few days.

  27. Anu po ang mangyyari kung hnd mabayaran ang loan within 3months? Mgkano po aabutin? As in wala pang nabayad sa monthly. Thanks in advance

    • Payment must be made on/or before due date, nasa sa iyo how you want to pay the loan, basta ang importante bayad na sya pagdating ng due date.

  29. Hi my name is Gayve,
    I went to your branch to follow up kasi nagapply ako nung sept 13 Ng happy loan for 2nd cycle. palagi ako nagfollowup pero ngayon Lang sabi sakin naapprove na pero until now ala Pang text sakin, tapos ako daw magfollow up sa number nato +63 927 143 3798 for globe and +63 908 153 5788 for smart pero Hindi matawagan at unattended so pano ako magfollow up AtsaKa bakit Kami personally magfollow up sabi sa branch nyo bakit ganon. Can you please tell me Kung sino ba ang magfollow up sa nagtetext Ng code kasi napakahirap naman saming nagloloan na hagilapin yung dapat naming kausapin diba dapat ang branch nyo ang nagfofollow up nito para sa aming mga customer. Please let me know.

    • Hi Gayvee, iSensey is not connected with Cebuana Lhuillier. It would be best to follow the reccommendation ng branch kung saan ka nag apply. Also, inform the branch, di makontak yung numbers na binibigay nila para ma call nila attention ng loan department.

  30. hi gud morning ,, nakarecieve ako g message from ur CLFC last 10/11/2017 regarding may loan application,,disapproved ? bakit po kaya n didisapproved ?

  31. Hi! what if hindi indicated yung house number sa gov’t id eru indicated sya sa proof of billing. Acceptable kaya yun?

  32. Good eve i call the hotline regarding sa loan ko approved na po sa pinagapplyan ko ang kulang daw ay text sa main office na verification code i tried to call hindred times for my loan until now wla pa din po paki inform po to po email ko ericamansalapus@yahoo.Com

  33. I have paid my loan sa Cebuana, then nag reapply ako ng happy loan for 5k, it is my 2nd time sana pero nadisapproved! Ewan ko ba Kong bakit. Same requirements I provide. I am very disappointed, kasi 1 week ahead ako nagbayad pero nag disapproved.

  34. Hi po..
    Nakatapos na po ako ng isang cycle.. Proceedn po ako s second cycle pero na dis approve ako siguro dahil nalate hulog ko ng ilang days.. Kasi po nawala ko yung code para mkpag transact ng payment.. Ilang arw po ako tumatawag s hotline pero walang sumasagot.. Ano po bang dapat gawin para mka avail ulit??

  35. Hi gd pm po ask ko LNG po kung pwd po yun billing ng meralco ko Hindi nkpangalan sa akin kc limang buwan plang kmi dto sa house ng nbili ng kpatid ko gusto ko po SNA mg loan

    • Yung rule po ng Cebuana is puede ang billing statement na di naka-pangalan sayo, basta ang address na nasa billing statement is the same address na indicated sa ID mo.

  36. Sir/mam
    almost 1 week n po akung nag aantay s txt ng cebuana para s happy loan wala p rin pong feedback sakin. Anu po kaya ang problema ok naman requirments ku same address naman s proof of billing at sss i.d. bkit kaya. Tnx..

    • Pwede mong puntahan ang branch where you applied at magtanong ka doon, Or you can them at cebuanacares@pjlhullier.com , give them your loan application number, b-day and mobile number mo sa application. They will replied with in 2-3 hrs.

  37. Mam ako c Arlene N.Paras n ng apply ng loan po,bkit po di naaprubahan ang loan ko ano po b ang kulang? Tsaka monthly naman po ako na tumatanggap ng pera galing asawa ko mismo po sa nag applyan ko ng loan,,,,bkit po gnun ano po kaya ang kulang mam/sir

  38. Tanung lng po magapply po ako sa happyloan kaso po ung bill ng meralco nkpngalan sa magulang ko isang compound lng po km sarli bhay pwede po ba yun mgmit s pgapply.salamat po

    • Hi Mary Grace, if may ID ka na ang indicated address same sa nasa billing ng meralco kahit nakapangalan pa sa magulang mo, puede. If wala kang ID with that address, baka hingan ka ng barangay clearance na kung saan nakasaad that you live in the same compound sa parents mo. Best to go to Cebuana and ask them, or try filing.

  39. Hi po, good day..
    Mag rerenew po sana ng happy loan yung nanay ko kaso yung 2 branches na pinuntahan nya dto samen eh puro sira daw yung machine, pede po ba sya mag apply sa ibang lugar o kalapit lugar?

  43. Nagtry ako mgrenew sa pinagloanan ko n branch. Unfortunately wala daw cla available na form ng happy loan ngaun kc mdami daw ngloloan. Ngtry ako mgloan sa ibang 3 branches here in pasig pero same reason n wala daw form. one month n daw cla n walang form. San po ba branch n may available n form para mkapag2nd loan n po ako? Thank u.

  45. Hi po.
    My existing loan po ako ng happy loan,and yung due ko po is every 15th. 1month nlang po un kulang ko that will be for Dec.15th. Ask ko lang po,pwde po bang maka apply agad khit hndi pa tapos un last payment? Baka po pwde un at ideduct nlang un balance ng 1st loan dun sa nakuhang new loan…? For emergency use po kc.

    Salamat po.

  46. Mam /sir
    Gud morning po ako po si Rose Ann
    Salazar follow up ko lang po ung pag aapply ko sa happy loan 1week na po ako naghhinty ng tawag pero hanggang ngaun po uala parin pong feed back skin nagpunta po ako sa branch na inapplyan ko
    Eto po fb acc.ko ennaesohr razalas tnx po sa pang unawa

  47. hi ask ko lang po bakit disapproved yung loan nang mother ko eventhough we passed all the requirements and it is qualified?
    It’s so disappointing lang kasi. thanks

  48. Gudpm po ask k lng sana nung nov 4 2017 ngpasa po aq ng req sa cebuana fc square sta.ana
    Manila nakailang beses n po aqng nag follow up sv skin ng staff dun ofc daw po magtx or call skin….hanggang ngaun po wala p din po aqng nareteceive n tx…panu po at hanggangkailan po kaya aq maghihintay…nais k lng nman po malaman kung approve or denied po aq….sna po masagot nio po…tnx & more power……

  49. may happy loan b rito sa lucena city?gusto ko sana magloan pero ang padala ng husband ko samin ay tru atm.wla kasi akong passbook.acceptable kaya ang Atm?thank you

  50. hello po tanung ko lang po if pwde na bo pa ako mag apply nag happier loan po. pag na paid ko na po ng hindi pa aabot ng 3months. tnx po

    • Hi Laila, based sa guidelines ng Cebuana micro loan, dapat naka 3x ka na Happy Loan at bayad na sila bago ka ma-qualify for Happier Loan.

      • yes po naka 3x na po ako ng pag bayad na paid ko na po da month na dapat nextmonth pa po ako ma paid tanong ko lang if pde naba ako mag apply for reloan

        • Hi Laila, ang ibig sabihin po ng 3X ay ganito:

          1st time – na approved ka sa Happy Loan at nabayaran mo na (Cycle 1)
          2nd time – na approved ka ULIT sa Happy Loan at nabayaran mo na (Cycle 2)
          3rd time – na approve ka ULIT sa Happy Loan at nabayaran mo na (Cycle 3)

          Pag ganito naka complete ka na ng 3 Cycles, based sa guidelines ng Cebuana puede ka na ngayong mag apply ng Happier Loan.

          *Pero if ang tanong mo is na-approved ka ng Happy Loan at nabayaran mo na (1st cycle), puede ka ulit mag apply ng 2nd Happy Loan.

  51. magandang araw po magtatanong lang po sana ako anu po ba ang pwede kung gawin kasi po nabura ang txt sa akin ng cebuana so hindi ko po makuha ang niloan ko.anu po ba ang dapat kung gawin?

    • Hi Dhanding try mo tumawag sa Cebuana loan department para masabi sa kanila nag nangyari. Ask the Cebuana branch kung saan ka nag-apply ano ang telephone number ng loan officer na nag hahandle ng branch nila.

  53. sir/mam gd pm kaka apply kolang kanina ng happy loan. Ive been recieving monthly remittances from my sister in canada through western union pero ung cebuana lhuillier na pinuntahan ko sabi sakin dapat daw yung remittance eh galing sa cebuana hindi daw dapat sa western kaya ayaw tanggapin application ko pero nung dinala ko sa ibang branch tinanggap namam ang gulo nila hehe tnx admin

  54. Kumpleto naman po ako sa requirements 3 months na latest na payout slip sinama ko pa nga yung july ko. Waiting nalang sa text or call kung ma approve or disapprove.

  55. yes po sir/mam mag comment po ako sa result. Nag email nga po ako sa costumer support nila sa cebuanacares@pjlhuillier.com sabi ng costumer support nila pwede nmn daw kht saang remittances center ka kumukuha basta meron ka daw nung latest na 3 months na payout slip pwede na daw un ang proof of income mo. Basta mag comment ako po ulit sa result para sa kaalaman na din po ng mga readers ntn dito po. Tnx po

  56. Ask qlang bkit po na disapproved ang happy loan q?ano pong reasons?complete requirements nman pinasa q sa cebuana riverside?

  57. Mam/Sir good news nag text na cebuana sa akin na approved loan ko hehe tuloy na tuloy na christening ng baby ko sa december 3 baka kasi kapusin ako kaya napilitan ako mag loan. Sakto sinabi mopo admin pag kumpleto requirements mo 3-5 working days lang mag text sila agad. Yung pinasa ko nga pala na requirements is 3 valid ids, proof of billing na globe na naka pangalan sakin at same address sa id ko, tsaka yung latest na payout slip na natatanggap ko sa remittance from canada na approved naman agad po. Salamat admin patuloy pa din ako mag subaybay dito po thank you God Bless

    • Salamat Troy for sharing your experience! God bless your family!

      @To other readers, please read Troy’s sharing para magka-idea kayo about sa requirements and processing time pag complete docs. Thanks!

  59. bakit hindi pwede ang teacher na mag-apply for a happy loan.. iyon ang sagot sakin ng magpaprocess as i try to apply for the happy loan…

  60. Maam/Sir Nag apply po ako ng happy loan noong NOV 30 2017 wala pa rin po ako na rereicive na text hanggang ngayon gaano po ba katagal bago maaprubahan?

  61. Na complete ko n po 2nd cycle ng loan, mag apply ulit aq for the third time pero sabi wait ko pa posting ng last payment ko, last dec 6 pa ako nag bayad, pano ko malalaman kung pwede n ako mag apply ulit

  63. Tanong ko lang po mam/sir.,kung ilang araw bago makapag renew..? Kasi po tapos kuna bayaran yung naloloan ko…salamat

    • 1 month daw po . Kasi daw po ngupgrade system nila. System na daw po magaapprove . Samantalang dati 1 day lng pwede na magapply :((

  64. Nagapply ako today with complete requirements and sad to say nakareceived ako ng text the same day na disapproved daw loan ko. Ang bilis ng processing disapproved agad.. How long po pwede magreapply?

  65. last payment q po s happy loan q on jan 15, 2018, but gusto q n po bayaran ito this day, para po mkarenew aq ulet,..but i heard fr cebuana dasma staff, n mtatagalan dw po bago aq mkarenew, bkt po kya?..kya nga po iaadvance q n ung paynent para mkarenew agad eh..

    • Same here. Kakabyad ko lang knina. Nagupdate daw sila ng system. Hintay pa daw 1month bago mkaapply ulit. Samantalang dati sakin. After ng payments ko. 1 day lang pwede na ko magapply . Hays :((

  66. Hello po! Nagbayad po ako kanina. Advanced payment. Bali tnapos ko na po ung loan ko. Ask ko lang po 1 month tlgah reapplication ? Kc dati 1 day lang after ng payments ko pwde na ko mgloan. Nagupdate daw po kasi sila ng system huhu need ko pa man din pang travel

    • nagbago na kc yung system nila sa pagcollect ng payment. prng matagal maread ng system nila yung payments. ang gnawa ko is tumawag ako sa cebuana cares at sila nagfollow up s payment ko. kundi ko pa gnawa yun nde pko makakapagrenew ulit. itawag nyo lng s cebuana cares na nagbayad na kayo kc matatagalan tlg pag nde nyo finollow up.

  67. kaninang umaga lang ako nag apply for the second cycle loan..before 3 this afternoon nagtext na agad..approved na..kaya lang 5k pa din, i was wondering why di na-approved yung supposedly 10 K na Happier Loan.

  68. Ano po klase loan kapag 50k po ang loan? Para sa business po. Ngsisimula pa lng po ng business on process pa po ang ibang permit. Pro may dti permit na po kmi. Patulong po thank you

  69. Mahirap talaga dito magloan, nagtry din ako dati magloan ang tagal tapos reject pala…di ko alam kung ano basehan nila, kahit kumpleto ka sa requirements reject pa rin, after that di na aq nagpapadala thru cebuana, saka pag may magppadala din sa akin dun na lang ako sa iba kahit malayo.

  70. Ask ko lang po usual pag disapproved ung application for happy loan..ano po kaya anh dahilan? At kelan po kay pwede mgapply?thanks?

    • Based on my experienced on time ang bayad ko pero nung nag re-apply ako for second happy loan disapproved.The reason why???walang makasagot sa kanila ng matino.Depende siguro sa trip nila.

    • Hi Jhoe, itry mo lang sa Cebuana, depende kasi talaga sa loan officer if papayagan if walang primary pero may madaming secondary IDs.

  72. Just to share: Natapos ko ang 1st loan then nagrenew ako for 2nd loan. Agad agad may nagmessage sa kin na disapproved yung loan ko. Buti na lang kapitbahay ko ung isang staff dun kaya nagbigay cxa ng number ng kokontakin in case madisapproved. And inadvice nya ako if ever mangyari yun. Pero di naman ako tumawag dahil yung mismo staff nag-email sa head office na 2nd loan ko na yun at good payer ako. After 3 hours may nagmessage ulit ang cebuana na approved na loan ko. So ibig sabihin pag good payer ka at nkita naman sana ng mga staff yun, dapat cla na magkusa para ipaalam naman yun sa loan officer kasi sayang nmn ung effort na mging good ang credit standing ng nagloloan kung hindi makakarenew.

      • Actually dapat makita nila yun agad sa system nila na you’re a good payer lalo na if hinde mo first time mag-apply for Happy loan.,kaso na dis approved ako for second time.
        Then I asked for verification why I was disapproved kasi nga good payer naman ako during my first loan with them. Then I just received a notification that my second Happly loan application was included for RE-EVALUATION. And after 8 hours..approved ulit. Sana lang mas updated system nila for faster processing.

  73. Good day,nka 2 lng loan n po aqo for happy loan, tpos apply po aqo for the 3rd loan, pero mlpit n po mag 1 month,wla png approval ung loan qo, thankspo

  74. Good day, pa 2nd loan na po ako dec 11,2017 po ako nag reapply pero hangang ngayon wala parin pong approval ! Good payer naman po ako ..

    Thanks po 🙂 ..

  75. Hi sir/ma’am,

    Nag-apply po ako 2nd loan a month ago, sabi nila existing pa yung unang loan ko. Dec pa hulong hulog ko. Kindly advise kung updated na po, pati na din sa brother ko Kenneth Binoya.

    Thanks!

    Caroline Binoya

    • Hi Caroline, please coordinate directly with Cebuana, kasi sila lang nakaka-alam sa status ng record mo if na update na nila or wala pa.

  76. Paano po kapag 1month palang po nabayaran sa loan.. Dapat tapos n po ng Dec15,2017…pero bbayaran naman.. 6pesos a day pa den po ba o may additional charges pa den..

  77. Hi!
    i just wanna ask last year nag try ako mag apply for happy loan pero ang bilis nag reply and it is not approve my question is possible pa kaya na mag apply ako for the new application?
    Hindi ko na din tinanong yung branch na pnag pasahan ko ng application kung bakit aq na-dissaprove.Anu po ba ang mga reasons bakit na-dissapprove?

    Thank you for the response

  78. sir,mam regarding po sa penalty kc sister ko nagloan ng oct released agd 5k.pero wala po cia nahulogan ni isang buwan 6months napo ngayon.mgkno po kaya na ang penalty?willing npo kc isettle ang loan byran ko lahat pro wla npo ang promisory note hawk nlng nmn e P.note number

    • Hi Yuri, para sa concern mo, mas maigi pumunta sa branch kung saan nag-apply ng Happy Loan. Tama yang gagawin niyo na ayusin yung account, baka mapasa pa sa collection agency, mas mahirap na.

  79. Tapos na po ang loan ko kailan po ba ako maka renew last payment ko sy March 15 2018

  82. Bakit ho nkatapos n ako 3 cycles…at gusto ko mag reloan..sb nila stopped ang happy loan kc dmi d bayad…tuloy n po ba happy loan?? At if nagreloan ako ulit..can i reloan sa happier loan…

  83. pano po kung ung address s valid id hindi pareho sa electric bill?kc ngrrent lng ako

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