Home Credit Philippines

Interest Rate

1,99% - 6,45 per month

Loan Amount

Up To PHP 150.000

4.3 / 5

Home Credit Philippines - allow you to shop the products you need with installment loans. Buy now and pay later with the Home Credit mobile application. The process is fast and convenient. Check terms now.

  • Loan amount from PHP 3.000 - PHP 150.000
  • Loan period 3 - 60 months
  • Interest rate (APR) 24% - 77%
  • Processing fee (Visa/MC Debit card) 3.8% of transaction amount
  • Processing fee (BPI) 1.5% of gross transaction amount or PHP 20
  • Processing fee (Unionbank) 1.5% of gross transaction amount or PHP 20
  • Fixed Processing Fee: (deducted from amount to be disbursed, not on top of loan amount) PHP 500
  • Employment 3+ months, self-employed, etc
  • Age 18 - 68 age
  • Citizenship only Filipino
  • SEC Reg. Number CS201301354
  • Certificate of Authority Number 1071
  • Home Credit has the mobile app, which is enough convenient
  • You don´t need credit card
  • You don´t need collateral
  • All process is online via website or mobile apps Android, iOS, Huawei

Home Credit Philippines provides Filipinos with a cash loan or product loan in an instant. With the app, you can apply for your loan with several clicks. The service is trusted by millions of Filipinos. Over 5+ million downloads. Home Credit philosophy is about responsible lending. Loans should be affordable and installment plans – flexible. You don´t need a credit card. You don´t need collateral!

Home Credit Philippines
Home Credit Philippines

With Home Credit, you can easily apply for a cash loan or loan online. You need money for your new phone or you want to buy some gadget, or something else – no problem. Just apply for a loan with the help of the app. You can do your shopping in installments, check Home Credit Marketplace. With the help of the app, you can easily manage your payments 24/7. Also, there is an option for automated repayment, and for this, you need just add your bank card. This will allow you not to miss your payment and it is really a very convenient function.

By the way, you can explore cool promos and discounts from Home Credit Philippines!

Sa Home Credit, may kAPPartner ka!

Home Credit Philippines

How To Apply Loan Offline

  1. You need to prepare 2 valid IDs, one of them must be major;
  2. Visit one of the stores which are the partners of Home Credit Philippines and choose the goods you want to buy;
  3. Purchase what you want, and the sales agent will assist you and help with everything;
  4. Downpayment – sign the contract and get what you want;
  5. Split the remaining costs into installment payments and repay your loan according to due dates.

Mobile Application

The 1st you should know about is the Home Credit Philippines app, it is free of charge. A mobile app helps you to control your loans and finances. The borrower will not miss the payment date with the app. Service will notify the user 3 days before, so he/she were able to repay the loan in time and avoid penalties. Also, you will track your payment progress and if you will need asap assistance, you can apply it again with the Home Credit Philippines mobile application.

Read more about best loan apps in the Philippines

To start using the app you should do the next steps:

  1. Go to the Google Play;
  2. Download and install the application;
  3. Open and register in it;
  4. Further, you´ll be able to apply for the loan with the Home Credit Philippines app and solve your finance issues;
  5. Don´t forget to repay a loan.
Home Credit PH
Home Credit PH

How can users create an account:

  • For new customers, they must just choose the product at the Home Credit PH website and follow the next steps;
  • For the existing customers, they have to use LAN and nominate a 4-digit PIN;

How To Repay Loan

Home Credit Card Apply Now

Manage Your Home Credit Card – it is really easy with the app.

  • Activate your Home Credit card with the app in several clicks;
  • Track all your online transactions, and spending. Be aware of everything about your card;
  • You can convert your purchases to the installments;
  • Don´t forget to make your card secure with a reliable password.

Home Credit Philippines Card
Home Credit Philippines Card – apply now

Home Credit Marketplace

Home Credit Philippines also offers shopping via:

  • marketplace;
  • deals & discounts – Smile Rewards Program;
  • also, you can pay your bills in the Philippines with a help of the Home Credit Philippines app.


CompanyHC Consumer Finance Philippines, Inc.
Emailmyhomecredit[@]homecredit.ph | info[@]homecredit.ph
Customer Service Phone(02) 7753 5711 | (02) 8424 6611
Collections Hotline(02) 7753 5712 | (02) 8424 6612
AddressPhilippines, 9th Ave, Taguig, Metro Manila Ore Central Building

Social networks:

  • Facebook – https://www.facebook.com/homecredit
  • YouTube – https://www.youtube.com/channel/UC_StexEi6zApg-3yFjBymww

If you have a desire to work in the company and build a career, please look through this page: https://homecredit.ph/careers/vacancies/ – it can be interesting.

Home Credit Philippines Review

If you have already used the Home Credit Philippines app and card, please write about it lower in the comments. Positive or negative experience, np, the main point is the truth from your side. Please, help other Filipino to be better aware of this company and one´s loan products.

As we see, over 5 mln people downloaded the Home Credit Android mobile application and this amount already means that this product is interesting to many people in the Philippines. Also, pay attention to the company´s activities in official social networks and not only. The company is live and it has a lot of employees, just check the Linkedin page.

FAQ About The Company

☆ Is Home Credit Philippines Legit?

Yes, Home Credit is legal in the Philippines. It is registered by SEC and has all needed licenses;

☆ What Are The Primary & The Secondary IDs?

Primary: SSS, UMID, PRC, Passport, TIN ID, Voter´s license, Driver´s license;
Secondary: Postal ID, Water Bill, Phone Bill, Salary slip, Company ID, Certificate of Employment, Bank account statement, Remittance slip, PhilHealth ID, PAGIBIG/HDMF ID, etc.

☆ Who Can Use The Home Credit Philippines App?

Every customer whose age is 18+ years in the Philippines. One can get a cash loan or loan to buy some goods;

☆ What Do You Know About Home Credit Philippines Cash Loan?

With Home Credit, you can apply for a cash loan easily. Fast approval and UX process. The terms are the next:
Loan period: from 3 – 60 months
Interest rate from (APR): 24% – 77%

HC Consumer Finance Philippines, Inc.

home credit philippines

Name: Home Credit PH

Description: Home Credit in the Philippines

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Summary About Home Credit Philippines

Home Credit is

User Review 4.75 (4 votes)