"Search Results" How can we help? Home Credit Philippines is here for you.

Log in to the My Home Credit App to see if you are eligible for a Cash Loan offer. You will also receive an offer via call, SMS, or email.

Yes. You can only apply again once you receive another Cash Loan offer from Home Credit.

There are three easy ways to apply: 1. Download and log in to [My Home Credit App](http://bit.ly/2HE81FS). 2. Visit one of our [partner stores](/about-us/our-partner-stores/). 3. Call the Home Credit hotline indicated in the SMS/Email/Push Notification offers.

The monthly interest starts at 2.32% add-on rate, depending on the loan amount and term you will choose. Please also take note add-on rates applied to your loan will differ per customer.

Find out if you're approved in as fast as 1 minute! If you apply via [My Home Credit App](http://bit.ly/2HE81FS), you’ll receive a notification after submitting your application. If you apply via phone or our partner store, you’ll receive an SMS notification.

Home Credit customers who receive a valid offer either via My Home Credit App, SMS, email or voice call.

You can either call the hotline or go to our partner stores directly. Click [here](/about-us/our-partner-stores/) to search for partners near you. You can also log in to My Home Credit App and check for a Cash Loan offer notification. If you see a cash loan offer in the app, apply and get the results in as fast 1 minute! Take the Cash Loan home either via bank transfer or cash pick up.

You may call our hotline or visit any of our partner stores to know your updated Cash Loan offer amount.

You may opt for a lower amount but you cannot apply for a higher amount. You may check what is the maximum offer using My Home Credit App or call our Telesales hotline at (02) 7753 5714.

Yes, if you received an offer for a second Cash Loan.

The minimum loanable amount is Php 3,000. The maximum amount will depend on the offer given to you.

Home Credit Cash Loan offers flexible loan terms for as short as 6 months to as long as 60 months. However, the term options would still vary, depending on the loan amount that you will take.

After accomplishing the application form and submitting all the requirements, you can get approved in as fast as one minute.

You can get your cash in as fast as 1-minute upon signing your loan contract. Take note that claiming time varies depending on the disbursement option you've chosen and the loan amount taken. An SMS notification will be sent to your mobile number with details on how to claim your cash.

You can choose either to claim through bank transfer or cash pick up. For bank transfer, bring any proof of your bank account (bank-issued passbook transaction, bank certification, etc.) upon application. For cash pick up, fill up the claim form at your chosen partner branch and present two (2) valid IDs together with the loan reference number. Click [here] (/cash-loan/) to see a list of our partner branch for Cash Loan pick up.

Here's a list of our bank partners: AL-AMANAH ISLAMIC INVESTMENT BANK AllBank (A Thrift Bank), Inc. ASIA UNITED BANK AUSTRALIA & NEW ZEALAND BANK BANCO DE ORO UNIBANK, INC. Bangko Mabuhay (A Rural Bank), Inc. BANGKOK BANK PUBLIC CO., LTD. BANK OF AMERICA, NAT'L. ASS'N. BANK OF CHINA BANK OF COMMERCE Bank of the Philippine Islands / BPI Family Bank can also send InstaPay transfer via BPI rail. BPI Direct BanKO, Inc., A Savings Bank Cebuana Lhuillier Rural Bank, Inc. CHINA BANKING CORPORATION CIMB BANK PHILS., INC. CITIBANK, N. A. CTBC BANK (PHILIPPINES) CORP. DCPAY PHILIPPINES (COINS.PH) DEUTSCHE BANK Development Bank of the Philippines DUNGGANON BANK, INC. East West Banking Corporation EQUICOM SAVINGS BANK, INC. FIRST CONSOLIDATED BANK G-Xchange, Inc. HK AND SHANGHAI BANKING CORP. (HSBC) INDUSTRIAL BANK OF KOREA ING BANK N.V. ISLA Bank (A Thrift Bank), Inc. JPMORGAN CHASE BANK KEB HANA BANK LAND BANK OF THE PHILIPPINES Malayan Bank Savings and Mortgage Bank, Inc. Maybank Philippines, Inc. MEGA INTL COMML BANK CO. LTD METROPOLITAN BANK AND TRUST CO MIZUHO BANK,LTD. MUFG BANK, LTD Omnipay, Inc. Partner Rural Bank (Cotabato), Inc. PayMaya Philippines, Inc. Philippine Bank of Communications PHILIPPINE BUSINESS BANK, INC. PHILIPPINE NATIONAL BANK PHILIPPINE SAVINGS BANK PHILIPPINE TRUST COMPANY PHILIPPINE VETERANS BANK PNB Savings Bank PRODUCERS SAVINGS BANK CORPORATION Quezon Capital Rural Bank, Inc. Rizal Commercial Banking Corporation ROBINSONS BANK CORPORATION SECURITY BANK CORPORATION SHINHAN BANK STERLING BANK OF ASIA SUMITOMO MITSUI BANKING CORP. Sun Savings Bank, Inc. THE STANDARD CHARTERED BANK UCPB Savings Bank, Inc. UNION BANK OF THE PHILIPPINES UNITED COCONUT PLANTERS BANK UNITED OVERSEAS BANK PHILS. WEALTH DEVELOPMENT BANK, CORP. YUANTA SAVINGS BANK

As of now, we only accept client’s bank account number as a medium for cash disbursement (Cash Transfer). Here's a list of our bank partners for disbursement: AL-AMANAH ISLAMIC INVESTMENT BANK AllBank (A Thrift Bank), Inc. ASIA UNITED BANK AUSTRALIA & NEW ZEALAND BANK BANCO DE ORO UNIBANK, INC. Bangko Mabuhay (A Rural Bank), Inc. BANGKOK BANK PUBLIC CO., LTD. BANK OF AMERICA, NAT'L. ASS'N. BANK OF CHINA BANK OF COMMERCE Bank of the Philippine Islands / BPI Family Bank can also send InstaPay transfer via BPI rail. BPI Direct BanKO, Inc., A Savings Bank Cebuana Lhuillier Rural Bank, Inc. CHINA BANKING CORPORATION CIMB BANK PHILS., INC. CITIBANK, N. A. CTBC BANK (PHILIPPINES) CORP. DCPAY PHILIPPINES (COINS.PH) DEUTSCHE BANK Development Bank of the Philippines DUNGGANON BANK, INC. East West Banking Corporation EQUICOM SAVINGS BANK, INC. FIRST CONSOLIDATED BANK G-Xchange, Inc. HK AND SHANGHAI BANKING CORP. (HSBC) INDUSTRIAL BANK OF KOREA ING BANK N.V. ISLA Bank (A Thrift Bank), Inc. JPMORGAN CHASE BANK KEB HANA BANK LAND BANK OF THE PHILIPPINES Malayan Bank Savings and Mortgage Bank, Inc. Maybank Philippines, Inc. MEGA INTL COMML BANK CO. LTD METROPOLITAN BANK AND TRUST CO MIZUHO BANK,LTD. MUFG BANK, LTD Omnipay, Inc. Partner Rural Bank (Cotabato), Inc. PayMaya Philippines, Inc. Philippine Bank of Communications PHILIPPINE BUSINESS BANK, INC. PHILIPPINE NATIONAL BANK PHILIPPINE SAVINGS BANK PHILIPPINE TRUST COMPANY PHILIPPINE VETERANS BANK PNB Savings Bank PRODUCERS SAVINGS BANK CORPORATION Quezon Capital Rural Bank, Inc. Rizal Commercial Banking Corporation ROBINSONS BANK CORPORATION SECURITY BANK CORPORATION SHINHAN BANK STERLING BANK OF ASIA SUMITOMO MITSUI BANKING CORP. Sun Savings Bank, Inc. THE STANDARD CHARTERED BANK UCPB Savings Bank, Inc. UNION BANK OF THE PHILIPPINES UNITED COCONUT PLANTERS BANK UNITED OVERSEAS BANK PHILS. WEALTH DEVELOPMENT BANK, CORP. YUANTA SAVINGS BANK As another option, you may also choose CASH PICK UP via USSC, LBC and BAYAD outlets nationwide.

Yes, Payroll/Current/ Savings ATM card is being accepted for fund transfer as long as it is under your name and that you can provide bank account number and document to verify it. Important note: Bank account should be Savings only. Dormant, Closed, Checking, and Joint accounts are not acceptable

The bank account number for disbursement cannot be changed once the contract is sent to evaluation. You must cancel your Cash Loan contract and wait for another Cash Loan offer to re-apply for a new one with your new bank account number.

Disbursement time can be as fast as 1 minute just wait for the confirmation SMS.

You may reach us thru live chat. 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button. 3. Go to the lower part of the page and look for Chat with us. 4. Click the Chat with us logo and start the interaction.

Yes, you may claim your Cash Loan at any branch of your chosen cash disbursement channel.

For Cash Pick Up, it can be claimed 14 days from the signed date. For Bank to Bank transfer, it can be claimed 7 days from the signed date. Loan Cancellation will be automatic once cash didn't claim within the given period.

You can pay through any of the following channels: Auto-Debit Arrangement (ADA) If your account is enrolled to ADA, make sure that your bank account is sufficiently funded to avoid late payment fees. If you want to enroll to ADA, please visit the app/website of the following banks: BPI Metrobank RCBC; and BDO Online You can pay via the following options: Maya Shopee You can explore more ways of paying your loan via My Home Credit App or Home Credit website. To see the list of other payment channels, please click [here](/payments/#howandwheretopay.). Downloaded the My Home Credit App yet? Get it now http://bit.ly/2XFjRqI

No. You must pay for each contract separately.

No, but if you pay in advance, you may benefit from interest re-calculation through the form of Full Early Repayment (FER) and Partial Early Repayment (PER). FER is a feature wherein client can pay his/her remaining balance in full, less the interest in the remaining months. PER is a feature wherein client can pay more than the declared fix monthly due to shorten the payment terms. The minimum PER amount is at least a total of 2 monthly installments by default and the monthly installment amount will never changed.

For standard Cash Loan, you will just have to pay the disbursed amount without any interest or fee. For consolidated Cash Loan, you have to pay the full loaned amount.

Log in to My Home Credit App to see your loan details. Download it [here](http://bit.ly/2HE81FS).

Below are the fees for delayed payments in cash loan: Collection Charge: Php 200 Past Due 30 days: Php 400 Past Due 60 days: Php 600 Past Due 90 days: Php 800 Please note that the fees listed above are subject to change.

Yes, direct debit option is accepted. Know more about it [here](/online-ada/).

Your payment will be debited 3 days before your due date.

Yes, you can still pay your monthly installment thru our payment channel partners even if you are enrolled to ADA. Please make sure to pay the exact amount of your installment 5 days before your due date to make sure that we will not deduct any amount from your bank account.

Yes, we offer Borrower Protection Plan, Device Protection Plan and a Home Content insurance. You may ask our Sales Associate (SA) assigned in our partners store for more details.

Borrower Protection Plan (BPP) is one of our services. It protects you and your family members in case of death, hospitalization, accidental death and dismemberment, and accidental medical reimbursement.

Clients who availed BPP during loan application will be covered. In the event of a valid claim, BPP will pay for the unpaid balance of the loan while the remaining proceeds of the claim will be paid to your nominated beneficiary.

BPP coverage has improved through the years. A customer who has availed of insurance previously may have a different coverage from a customer who has availed of insurance now.

There are no additional fees. You just must pay for the premium for your coverage which is computed as what stated below.

BPP beneficiaries are as follows: 1st- Home Credit (as insurance will pay the remaining loan balance of the client) 2nd-Family member on the first degree on consanguinity (i.e. parents, spouse, or children) Please note that the insurance provider Sun Life has the discretion to decline a claim if your relationship with the nominated beneficiary cannot be established.

It’s still best to nominate a beneficiary who’s a family member on the first degree of consanguinity for easier processing. For very special cases, others may be nominated provided that the necessary proof of relationship is submitted and verified especially during a claim.

There is no age requirement to qualify as a beneficiary.

The insurance provider of Home Credit is Sun Life Grepa Financial, Inc.

Customers who get a loan with Home Credit and are between the ages of 18-68 years old are qualified to avail BPP.

No. You can only avail of BPP at the same time that you apply for your loan.

BPP is offered through our partner stores when you avail of your loan. Our Sales Agent will be helping you with your loan application to enroll you in BPP.

Coverage starts once your loan is approved and will end on the last due date, or when the account is written-off or cancelled.

Yes, you’ll have the option to cancel your coverage anytime during your loan term but keeping your BPP will give you peace of mind in case of eventualities as your remaining loan will be paid by the insurance provider.

Once your application is approved, you will receive an email containing your Confirmation of Cover with your contract that contains the details of your coverage.

Yes, except if it is specified in the list of requirements that only photocopies are needed and in hard copies.

No. We will only be accepting original hard copies of the documents as specified in the list of requirements.

No. While we allow you to send the requirements to us in parts, we will only be able to start processing your claim request once all requirements have been submitted. Note that claim requests with incomplete requirements shall only be declined by the insurance provider.

No. There are no fees and charges when processing your claim.

You may submit your complete documents personally or via any courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

Once Home Credit receives your complete documentary requirements, it will take a maximum of 90 working days for the claim to be processed to give time for our insurance provider to review and approve the request.

The insurance provider checks if the customer or beneficiary is eligible for the claim and validates the authenticity of the documents provided. Sometimes, additional documents may be asked to support the claim.

Once the claim is approved, a check payable to the beneficiary will be prepared by our insurance provider and delivered to the beneficiary’s registered delivery address.

Only the beneficiary is allowed to receive the proceeds of the claim. In case the beneficiary is not available to receive the check, he/she may leave a signed authorization letter and a copy of his/her valid ID. The authorized representative should also be able to present a valid ID.

No. The proceeds of the claim is only issued in check.

No. Only the beneficiary can be the payee of the check.

No special arrangements. They need to open a bank account in order for them to deposit the check.

You may call the Home Credit customer service hotline to check on the status of your claim and request to put a hold on payment reminders while the claim is in process

Yes. We encourage your beneficiary or representative to submit all the requirements to Home Credit so that we can initiate filing of the claim. They may send requirements personally or via any courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

Yes. We encourage your beneficiary or representative to submit all the requirements to Home Credit so that we can initiate filing of the claim. They may send requirements personally or via any courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

You may refer to the table below for the requirements based on your claim: Note: Kindly send the following requirement via any courier to HCPH. Condition: Customer died and has no Beneficiary Submit the following to HCPH within 90 days after death: 1. Certified True Copy of Death Certificate (with blue seal) 2. Claimant’s Form (signed by Beneficiary) Condition: Customer died and has Beneficiary, where Informant is the Beneficiary Submit the following within 10 days to HCPH from informing the Company : 1. Certified True Copy of Death Certificate (with blue seal) 2. Claimant’s Form (signed by Customer’s Beneficiary) 3. Photocopy of Beneficiary’s government-issued ID with picture and signature 4. Beneficiary’s proof of relationship to the Customer as follows: a. Parent – Birth Certificate b. Spouse – Marriage Certificate c. Child – Birth Certificate d. Sibling – Birth certificate of both Customer & Beneficiary e. Non-blood relatives (fiance, common law spouse, etc.) – CENOMAR or notarized affidavit from a 3rd person (any relative or friend of borrower) stating relationship of insured to beneficiary Condition: Customer is hospitalized Submit the following within 10 days to HCPH: 1. Any of the following Hospital Documents: a. Statement of Account b. Admiting History c. Discharge Summary 2. Claimant’s Form (signed by Customer’s Beneficiary) 3. Photocopy of Customer‘s government-issued ID with picture and signature Condition: Customer is claiming for Accidental Death Submit the following within 10 days to HCPH: 1. Claimant’s Form (signed by Customer’s Beneficiary) 2. Photocopy of Customer‘s government-issued ID with picture and signature 3. Complete/Final Police Investigation Report 4. Affidavit of Eyewitness (if applicable) 5. For vehicular accidents: a. Traffic Incident Report with Sketch b. Photocopy of Customer‘s Driver’s License 6. For motorcyle-related accident: a. Police Certification whether insured was wearing a helmet at the time of accident 7. Autopsy Report (if cause of death is due to drowning) Condition: Customer is claiming for AMR Submit the following within 10 days to HCPH: 1. Claimant’s Form (signed by Customer) 2. Hospital Statement of Account (SOA) 3. Admitting History or Discharge Summary 4. Photocopy of the Acknowledgement Receipt and Confirmation of Cover 5. Official Receipts of medical expenses during confinement 6. Supporting documents for vehicular/motorcycle and other related accidents: a. Police Report b. Driver’s License (If Driver is the Customer) c. Police Certification whether the insured was wearing helmet at the time of accident (for motorcycle related) d. Incident Report signed by the employer or employer’s authorized signatory (for work-related accidents) e. Incident Report signed by [who] (for other form of accidents such as i.e fall, etc.) Complete requirements must be sent personally or via any courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

No. A valid claim can only be filed if the event that results in that claim happens during the term of the loan until your last due date.

Home Credit will call the claimant to inform if there are additional documents needed to process a claim.