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Home Credit Protect
Learn more about our Comprehensive protection for you, your
family, and your valued items at an affordable price!
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FAQ
Topics:
APPLIANCE PROTECT
DEVICE PROTECTION
HOME CONTENT
BORROWER PROTECT
LOAN EXTRA CARE
Protect your home valuables with our Appliance Protection Plan! Use
your appliance and electronic items with confidence, and have it
repaired or replaced for free in case it gets damaged, broken or
starts malfunctioning. With Appliance Protection added to your Home
Credit loan, you can enjoy peace of mind for up to 2 years for as
low as ₱3 per day! Learn more here:
https://www.homecredit.ph/apply/appliance-protection
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It does not affect your coverage unless you miss your due date for
over 90 days. After 90 days of no payment, your Protection Plan is
automatically terminated.
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Yes, you can still have your device repaired or replaced during the
Extended Warranty period even after you have claimed the
manufacturer’s warranty.
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You can validate by referring to your Device Protection contract or
by directly contacting your dedicated provider. You may check their
contact details here:
https://www.homecredit.ph/apply/device-protection
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The perfect coverage for your gadgets! Your device is protected with
a comprehensive plan in case it gets damaged, broken or starts
malfunctioning – have it repaired or replaced for no extra cost. By
adding the Device Protection Plan to your Home Credit installments,
you can enjoy peace of mind for up to 2 years for as low as ₱3 per
day! Learn more here:
https://www.homecredit.ph/apply/device-protection
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To avail Home Credit Protect for devices: 1. Look for Device
Protection under Special Offers and tap ‘Buy Now’. 2. Click on
‘Manage Loans’ & choose the device you want to protect. 3. Click
‘More Options’ then select ‘Device Protection’. 4. Choose a plan and
click ‘Buy Now’ 5. Enter referral code shared by your friend or Home
Credit Sales Associate (optional). 6. Click ‘Continue’ & review the
purchase details. 7. Click ‘Start Loan Application Process’. 8.
Review your information then click Submit Application. You’ll
receive notification while your application is being processed and
once it is approved. 9. Once approved, review the loan details and
sign the loan contact agreement using OTP that will be sent to your
mobile number. 10. When you receive a notification to activate your
Device Protection, open the message and tap Pay Now. 11. Choose to
pay it via Bank Auto Debit Arrangement, Pay Online or Pay
Over-the-Counter. 12. After paying, a notification will be sent that
your device protection is now activated.
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Your appliance can be repaired multiple times in a year. However,
the overall repair cost should not exceed the value of your item.
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No worries, you are covered by the manufacturer. Look for your
item’s manufacturer warranty certificate or look up the contact
information on the producer’s website (e.g. Condura service center,
Samsung service center, etc.) and simply follow the guidelines
provided by the manufacturer.
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Any repair or replacement is free of charge and no participation fee
shall be collected.
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Yes, you have the option to cancel the coverage within fourteen (14)
calendar days from your loan signed date by calling Home Credit
Customer Service number (02) 7753 5711. The appliance protection fee
will be removed from all monthly payments with no extra cost.
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Your Appliance Protection Plan will not be affected. The coverage
period stated in your contract stays the same.
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It does not affect your coverage unless you miss your due date for
over 90 days. After 90 days of no payment, your Protection Plan is
automatically terminated.
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Feel more comfortable at home with a coverage of up to ₱50,000 for
your valuables. With our Home Content Protection Plan, your
appliances, electronics, furniture, and other home belongings are
covered against any natural disaster or robbery. Enjoy staying at
home with confidence as long as your plan is active! Learn more
here: https://www.homecredit.ph/apply/home-content-protection
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No participation fee shall be collected.
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Yes, you have the option to cancel the coverage within fourteen (14)
calendar days from your loan signed date by calling Home Credit
Customer Service number (02) 7753 5711. The Home Content Protection
fee will be removed from all remaining monthly payments with no
extra cost.
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Your Home Content Protection Plan will not be affected. The coverage
period stated in your contract stays the same.
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It does not affect your coverage unless you miss your due date for
over 90 days. After 90 days of no payment, your Home Content
Protection Plan will be automatically terminated.
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Your Device Protection Plan will not be affected. The coverage
period stated in your contract stays the same.
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Secure the protection you deserve in case of emergencies. Get help
paying your installments or loan balance, provide financial
assistance for your beneficiaries, and enjoy FREE unlimited online
medical consultations whenever you need. Learn more here:
https://www.homecredit.ph/apply/borrowers-protection
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Unfortunately, you can ONLY avail Borrower Protection coverage at
the same time upon applying for your loan.
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It's best to choose a first-degree family member as your beneficiary
for quicker processing. In special situations, you can select
someone else, but you'll need to provide proof of your relationship
when making a claim.
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There is NO age requirement to qualify as a beneficiary.
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Processing of your claim has absolutely NO FEES & CHARGES.
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Once your claim is approved, the check payment will be prepared and
sent by our partner provider. Keep your lines open as the courier
may contact you to deliver it to your registered address.
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The claim payout can ONLY be received by the Beneficiary. If the
beneficiary can't be present, he/she can leave a signed letter with
their ID copy for an authorized person, who also needs to show
his/her ID.
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Make your loan payments flexible to satisfy your needs with Loan
Extra Care! Manage your dues with ease by choosing to repay your
loan early, changing the due date, or taking payment holiday within
your installment plan. Now, you can prevent missing deadlines and
late fees because of emergencies. Learn more here:
https://www.homecredit.ph/apply/loan-extra-care
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These factors might affect your eligibility of the service: a. There
are already two (2) approved Payment Holiday requests within 12
months. b. You did not meet the minimum payment requirement. c.
Account is enrolled with other Loan Extra Care services d. Your loan
status is not active or monthly due is not fully paid.
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You have the option to cancel the coverage within fourteen (14)
calendar days from the date of loan and/or sign date by calling the
Home Credit Customer Service number (02) 7753 5711). The Loan Extra
Care fee will be removed from all monthly payments of the customer
with no extra costs. If you cancel Loan Extra Care beyond 14 days
from the loan date by calling Home Credit Customer Service at (02)
7753 5711, the coverage fee will be taken off your next monthly
payments, along with succeeding Loan Extra Care fees.
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No, because there’s no processing fee.
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Your coverage stays unaffected unless you miss your due date for
over 90 days. After 90 days of no payment, your Loan Extra Care
Protection Plan will be automatically terminated.
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