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BRANKAS
You will receive a notification SMS as a receipt of your
over-the-counter or online transfer payment in a matter of minutes.
You may view your posted payments conveniently using our My Payments
web portal or My Home Credit App.
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You can stay up to date on your account through: My Home Credit App
1. Download and register to the app 2. Log in 3. Select ‘My Account’
My Payment Portal 1. Visit our website and go to My Payment Portal
2. Scroll down and look for Sign in to My Payment 3. Enter your Loan
Account Number and Date of Birth 4. Click Log Me In
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You can easily keep track of your monthly statements in My Home
Credit App. For loan customers, you can also login via our website.
For credit card customers, you can also check the monthly statements
we send to you via your registered email address.
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For real-time posting of payment, you may pay your Home Credit loan
or credit card in the following payment channels: [Auto Debit
Arrangement](/pay-loans/auto-debit-arrangement) - BPI - Metrobank -
RCBC - BDO - Unionbank - Security Bank - PNB Over the counter/Online
Payment: - Maya - Shopee - Palawan Express - 7eleven - USSC -
Touchpay - ECPay Branches - Bayad Center - Mlhuillier - Cebuana
Lhuillier - SM Bills Payment
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Kindly check your contract to know if you are eligible for this
promo. To maintain eligibility, your account should not have any
late payments. If you availed of a grace period in relation to the
Bayanihan Act, the accrued interest must also be paid on time. Make
sure to pay on time based on your monthly installment schedule and
your Gift Payment will be automatically posted on your account at
the end of your loan term.
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BARO gives the option to eligible customers to avail of a one-time
60-day grace period with accrued interest for loan and credit card
customers with due dates from September 15, 2020 to December 31,
2020.
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According to Bangko Sentral ng Pilipinas (BSP), all banks,
quasi-banks, credit card issuers and other BSP-Supervised Financial
institutions with lending operations are covered by BARO. Home
Credit is one of these institutions.
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Eligible Home Credit Customers are: Those with loans and credit card
accounts that are current and don’t have overdue payments as of
September 15, 2020 Those with installments due from September 15 to
December 31, 2020 Those with credit card purchases before September
15, 2020
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Option 1: You may continue with paying according to your original
installment schedule or due dates. There will be no accrued interest
on your account. For credit card customers, you will be able to
continue using your card. Option 2: For eligible customers, you can
avail of a one-time 60-day grace period. You can skip payments for
60 days or 2 months The loan term for your installment will be
extended by two months. But keep in mind: There will be an accrued
interest applied on your account for the availed grace period. For
credit card customers, your card will be blocked during the grace
period.
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For eligible customers, we sent an email to your registered email
address to discuss your options. You can also call us at
(02)77535712.
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We want to make sure that you will continue to enjoy this convenient
payment method, thus we will continue to debit payments from your
bank account on your scheduled debit dates. For eligible customers,
if you wish to temporarily discontinue your auto-debit arrangement,
call us at (02)77535712 prior to your scheduled debit dates.
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For loan customers: Accrued interest = Remaining principal amount x
monthly interest rate x no. of months in grace period *Accrued
interest for loans can be paid one-time or in staggered basis until
December 31, 2020. For credit card customers: Regular Transaction
Computation Outstanding principal balance (as of cut-off for which
grace period will apply) X Daily Interest Rate X # of days balance
remained unpaid Installment Plan Computation Unpaid principal
balance (as of cut off for which grace period will apply) X Annual
Interest Rate X interest period duration (no. of grace period
days)/360 *Accrued interest for cards will be charged at the end of
the installment schedule.
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We’re encouraging you to make a payment on or before your due date.
We are however giving you until 10 days after your due date to
settle your payment. This way, your account will no longer have
accrued interest and your loan term will not be extended. If we
don’t receive the amount due 10 days after your due date, grace
period will automatically apply on your account. Loan term will be
extended and accrued interest will apply.
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Yes, the grace period will not affect your gift payment
eligibility. You just need to make sure to keep your account
updated according to the new installment schedule. The accrued
interest also needs to be paid in order to be eligible for gift
payment.
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We understand that this is a difficult situation for all of us. We
are still reviewing how we can assist you further. Please keep your
lines open so we can easily contact you.
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We have a lot of payments channels that you can choose from where we
accept cash and online payments. For cash payments, you may pay
through Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches,
Bayad Center, Mlhuillier, Cebuana Lhuillier and SM Bills Payment.
For Online Payments can be paid thru Maya, Shopee, PalawanPay,
Unionbank, BDO, RCBC and AUB Online Banking.
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Transaction fees are minimal charges from our payment partners. For
real-time payment posting partners like Maya at P10 while Shopee,
Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad
Center, Mlhuillier and Cebuana Lhuillier transaction fee is P15.00.
For SM Bills payment transaction fee is Php13.
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There are no hidden charges. All payments and fees are included in
the disclosure form.
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Yes, anyone can pay on your behalf as long as they have your loan
account number and account name.
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Home Credit or HC Consumer Finance
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No other fee aside from the payment transaction fee
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No for now, we only accept cash payments, internet banking payments,
debit cards and our payment channels. You also have the option to
use Debit Card ( Visa /Master Card or you may use your (
BPI,MB,RCBC, and BDO ) to enroll in auto debit arrangement.
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No, we only accept cash payments, internet banking payments, debit
card and online payments through our payment channels partner.
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Payments made via our payment partners are being reflected on a span
of minutes. Once payment has been made, you will receive a payment
notification via SMS. You may track all your payment transactions
via My Home Credit App which can be downloaded in Google playstore
or through My Payments portal in our website www.homecredit.ph.
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We have Full Early Repayment and Partial Early Repayment options
that can facilitate an adjustment on your interest. If you are
interested, please feel free to chat or call with us so we could
assist you further.
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Payment due date is the actual due date of the client, it is also
the date when the client signed the contract and went home with the
good/s. Recommended Payment Due date is always 3 days earlier than
the actual due date (Recommended Payment due date) and aims to
prevent any late payment fees.
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If you are having difficulty maintaining your payments, please call
(02) 7753 5712 for us to assess if your due date can be moved to a
more convenient date for you.
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You must have a savings account with one of the following banks:
BPI, Metrobank, RCBC, BDO, Unionbank, Security Bank and PNB
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If you want to enroll for ADA as your payment method during
application, please bring your bank account information, such as
Full Name registered on your bank and your bank account number. Our
Sales Agent will be glad to process your ADA enrollment.
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An SMS will be sent within 15 banking days of filling out the ADA
form informing you of the approval or rejection. Should the
application be rejected, you are still free to pay your installment
through any of our accredited payment channels like Maya, Shopee,
Palawan Express, USSC and Touchpay.
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Debiting of payment is based on the recommended due date stated on
your account, which is three (3) calendar days prior to your due
date. This is done so that in case debiting from your bank account
is unsuccessful, you would still have three (3) days to pay the
installment through other channels so as to avoid late payment.
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You will receive an SMS & email within the day from your payment to
confirm status. You can view your transaction through My Payments
web portal or My Home Credit App. But in case that your ADA is
unsuccessful, you will receive an SMS notification stating that we
were unable to deduct on your account. Please coordinate this with
your bank. For the meantime, you may pay your monthly installment
through our accredited payment channels.
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Please send an email to info@homecredit.ph and include the following
details: Loan Account Number Full Name Reason for ADA Cancellation
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The following penalties are implemented for reaching specific days
of delinquency, as indicated in your contract: Any time after your
due date: + Php 200 30 days past due: + Php 400 60 days past due: +
Php 600 90 days past due: + Php 800 Note: Penalties and charges add
up separately on top of your unpaid installment/s.
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Send us the following details via "Chat with us": Loan Account
Number Client's Complete Name Payment Date Account Holder's Name
(must be same as Client’s Name) Bank (where the overpayment will be
deposited) Bank Account Number (must be savings account not
payroll/cash card accounts) Amout to be deposited (overpayment
amount) Proof of Payment (receipt/ online banking confirmation) Bank
Address Please note that some banks may have charges for processing
the request. However, If you have no bank account, you have to send
a signed letter of authorization stating where the refund should be
deposited to. This letter is to be sent by MAIL: Attention to
Incoming Payments to 11th Floor Vertis North Corporate Tower 1
Diliman Quezon City containing the following details: Client’s
Complete Name Payment Date Bank Accountholders Name (where the
refund should be deposited to) Bank ( i.e. BDO, BPI..etc ) – where
the overpayment should be deposited Bank Branch Requested refund
Amount – ( overpayment amount ) Bank Account Number ( not the card
number showing on their ATM card, must be savings account not
payroll/cash card accounts and must be PNET registered) Relationship
to the Bank Accountholder Photocopy of valid government issued ID of
Client and bank accountholder PROOF OF PAYMENT (receipt/ online
banking confirmation) Note: Letter MUST be signed by both Client and
Bank Accountholder —————————————————————————————————————————————–
Please be also advised that if in case the refund amount has a bank
charge ranging from Php 10 – Php 100, this will be deducted on your
overpayment refund amount.
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Please send an email to info@homecredit.ph containing the following
details: Loan Account Number Name of Account Holder Payment Details
(Date of Payment, Amount and Payment Channel) Scanned Copy of
Payment Receipt”
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Electronic Auto Debit Arrangement or eADA is a service that lets
customers subscribe to an automated debit schedule the bank's online
banking app or website.
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You can enroll to eADA if you have an account with any of our
partner banks, please visit
https://www.homecredit.ph/pay-loans/auto-debit-arrangement for
instruction details.: • BPI • Unionbank • RCBC • Metrobank • BDO
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Home Credit customers with an active loan, with savings or checking
account, and currently registered to any of our eADA partner bank's
online banking system can enroll to eADA.
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Follow these steps: 1. Log in to your bank's online banking
app/website. 2. Select ""Home Credit"" as a biller to enroll to eADA
and enter your reference number (10-digit loan account number). 3.
Select the account to be enrolled. 4. Enter the OTP that you
received through SMS/Email to confirm your eADA enrollment.
Confirmation screen will appear – successful enrollment. The
enrollment process may slightly differ for each bank. For detailed
instruction go to Auto-Debit Arrangement page
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Yes, you can -- as long as your current mode of payment is cash or
over-the-counter and you have an account with any of our partner
banks (Metrobank, BPI, Unionbank, RCBC and BDO), please visit
https://www.homecredit.ph/pay-loans/auto-debit-arrangement for
instruction details.
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You will receive an OTP (One-Time PIN) through the mobile number
registered to your bank account. The contract shall be signed once
you have provided the OTP.
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Yes.
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It differs per bank, but eADA enrollment usually takes about 2-3
banking days.
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Yes, you will be notified through SMS once your enrollment has been
approved.
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None. You can enroll to eADA as long as you have an active loan with
Home Credit, and your current mode of payment is cash or
over-the-counter.
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2-3 banking days, depending on your bank.
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The Total Amount Due (including other fees, if applicable) will be
debited from your account.
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Yes, as long as your bank is one of our partner banks for eADA.
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Yes, as long as your bank is one of our partner banks for eADA.
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Your bank account will remain enrolled to eADA as long as you have
unpaid installment/s.
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Yes, you can enroll both loans to eADA.
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Yes, you may apply anytime as long as you meet the requirements.
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No, unless you requested for your due date to be changed.
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Traditional Auto Debit Arrangement is a service that lets customers
subscribe to an automated debit schedule by filling out printed ADA
Forms based on selected bank.
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Brankas is an innovative Online Payment Gateway seamlessly embedded
within the Home Credit website. With Brankas, you can conveniently
settle your Home Credit Loan/Home Credit Card/Home Credit Qwarta
directly from your BDO/Landbank/Metrobank/Unionbank savings account.
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No. Brankas is a platform that connects Home Credit's system to the
banks' systems.
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Starting March 15, 2024, all Home Credit customers with savings
accounts and online banking access to major banks (BDO, Landbank,
Metrobank, and Unionbank) can pay on the Home Credit website through
Brankas.
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These are the banks supported by Brankas: 1. BDO 2. Landbank 3.
Metrobank 4. Unionbank
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Yes. This is available on the Home Credit website, whether you
access it via desktop, laptop, or phone.
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This is not yet available on My Home Credit App. Stay tuned for
updates!
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Be ready with your 10-digit Loan Account No. (LAN) and online
banking account details. Please make sure to enter the correct
information.
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Home Credit and Brankas will not store any of your bank details.
These details are also masked on both Brankas and Home Credit's
systems, which means it is not traceable to a person.
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None. Using Brankas is completely free, so there's no need to worry
about any transaction fees.
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You must pay at least Php 200 per transaction.
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You can pay for your loan through the Pay Loans page or your Account
Dashboard. Follow the instructions below: PAY LOANS 1. Go to the Pay
Loans page. ("Pay Loans" link: www.homecredit.ph/pay-loans) 2.
Scroll down to the Payment Details section and fill out all fields.
3. Choose your preferred bank and click on Continue. 4. Review
payment details and click on Confirm Payment. 5. The Brankas consent
page will be shown. Click on Continue. 6. You will be redirected to
your preferred bank's login page. Enter your bank username and
password then click on Login. 7. Enter the Login OTP sent to your
bank-registered mobile number. 8. Review payment details and click
on Confirm. 9. Enter the Transfer OTP sent to your bank-registered
mobile number. 10. A confirmation screen will be shown. Click on
Done. 11. Transaction receipt will be shown as proof of successful
payment. ACCOUNT DASHBOARD 1. Click on the Account button found on
the upper right corner of the website. 2. Click on Login. 3. Enter
your Account Number and Date of Birth then click on Login. 4. Enter
the OTP sent to your registered mobile number. 5. On your Account
Dashboard, click on the Pay Now button. 6. Choose the Loan you want
to pay and enter the amount. 7. From the payment options, choose a
Brankas-supported bank (BDO, BPI, Landbank, Metrobank, RCBC, and
Unionbank). 8. Click Continue to confirm. 9. Review the payment
summary then click Confirm Payment. (Make sure to read the Terms and
Conditions and Privacy Notices before confirming.)
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It will be processed real-time, which means that your payment will
be transferred from your bank to Home Credit within a few seconds or
minutes.
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Yes. Your payment will be processed real-time, even on weekends and
holidays.
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If your payment was successful, a receipt will be shown at the end
of the transaction.
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No.
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OTPs are sent by banks to your registered mobile number. This number
may or may not be the same one registered to your Home Credit
account.
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Transaction will fail and you will be notified to retry.
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The limit of OTP retry requests varies per bank. - BDO: 3 times -
Unionbank: Resend feature available on their screen (typically 3
times too). - Metrobank and Landbank: 1 time only
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Please allow 48 hours for payment posting. If more than 48 hours
have passed since you made your payment, send the following
information to info@homecredit.ph: - 10-digit Loan Account No. (LAN)
- Transaction No. - Date and time of payment - Amount paid - Payment
channel - Copy of Proof of Payment
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No. Only Current and Savings Accounts (CASA) are allowed.
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