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

You can start your loan application via My Home Credit App from Google Playstore prior to visiting our retail partner stores to continue the process or you can go directly to our retail partner stores and have our Sales Associate or Retail Associate to assist you. You can check the list of retails partner [here](/about-us/our-partner-stores/).

We offer Product Loans through in-store financing. We can help finance your purchase which you can repay through easy, monthly installments. Home Credit currently finances: * Gadgets (such as mobile phones, tablets, and laptops) * Home Appliances * Electronics (such as TVs, HIFI, and Cameras) * Furniture * Musical instruments * Hardware Tools * Ebike * Sporting Goods * Auto Supplies and Services * Beauty &Wellness * Optical * Events * Trainings * Home Improvement * Medical Supplies and Devices * Apparel Store * Department Store * Hardware Store * Toy Store * Motorcycle Accessories Store Selected Product Loans also come with Qwarta, a virtual credit limit which you can use to buy load, pay bills, and scan-to-pay at your favorite stores! We also offer Cash Loans to existing eligible Home Credit customers. Click here to learn more about Cash Loan.

Please bring the following: 1. One (1) government-issued valid ID that indicates your address AND date of birth. If any of two are not satisfied, a second document ID bearing the missing information from the primary ID will be required for presentation. 2. Down payment.

You can find us in more than 14,500 stores. Click [here](/partner-stores) to find a store near you.

We are partnered with major retailers that carry a wide range of brands. You may either: 1. Access the My Home Credit App and tap on Marketplace; or 2. Inquire directly with our partner retailers to ensure the brand availability in your chosen store. 3. Check the store for Home Credit marketing materials. Partner retailers usually display them in-store or outside their shop if they're partnered with Home Credit.

In addition to the flexible down payment, there is a minimal origination fee equivalent to 3% of the finance amount for all commodities, except for mobile 0% interest promo, where there is no origination fee but a processing fee of 0.5% of the financed amount or PHP150 per month whichever is lower.”

We have low interest rates that range from 0% up to 5.99% per month. You may approach our friendly Sales Associate who can help you find the best deal.

Loan period varies per item but generally it is between 6 – 24 months. You may also download My Home Credit App and tap on Marketplace to browse for items and corresponding loan details.

Processing of approval takes 1 minute after accomplishing the application form and submitting all required documents under the guidance of your Sales/Retail Associate. This was designed to make sure approved customers get to bring home their new purchases within the same day!

You may apply again after 3 months from the date that your loan application was rejected.

All purchases are bound to the Store/Manufacturer's product terms and conditions. Please ensure that you have read the contract carefully prior to receiving the item. For defective items that are still under warranty, you may coordinate directly with the Store where the item was purchased, while for lost/stolen items, Home Credit is not liable to cover replacement once you have confirmed receipt of the item.

Yes, we offer loan insurance to help you be ready for any eventuality. You may ask our Sales Associate at our partner store for this added service. You may choose from the following list of insurance products: 1. Device Protection 2. Borrower Protection Plan 3. Home Content Protection 4. Extended Warranty

You may either pay via: - My Home Credit App (auto-debit setup via the app) - Home Credit Website (a local debit card with Visa or Mastercard logo, or an active online account with Unionbank, and BPI) - Over 20 Payment Partners for over-the-counter transactions (such as Maya, Shopee, Palawan Express, USSC, and 7eleven) - Automatic Debit Arrangement (ADA) option for our trusted parters BDO, BPI, Metrobank, Security Bank, RCBC, PNB or UnionBank. Online enrollment through the corresponding bank website or mobile app (whichever is applicable) can be done as well as manual enrollment, depending on the applicable options per bank. Know more about our payment channels [here](/pay-loans#howandwheretopay).

You may view your loan details and payment information anytime online on your registered account on the My Home Credit App or Home Credit website.

Down payment may be from 20-40%, depending on the item's price and installment offer available. For lighter monthly installments, you may pay above the minimum required down payment. To find available offers, log in to My Home Credit App or approach a Sales Associate at our partner stores nationwide.