Trusted by millions worldwide, Home Credit empowers Filipinos by providing financial access through responsible lending with affordable loans and flexible installment plans. No credit card or collateral required!
Home Credit also offers shopping through the Home Credit Marketplace and deals & discounts through our Home Credit Smile Rewards program. You can now also buy load and pay your bills at the convenience of your home making My Home Credit your everyday financial partner app.
Apply for Cash Loans Home Credit
Cash loans that are flexible, with easy application process and fast approval! From minimum of 3 months up to 60 months repayment period, our Cash Loan starts at 24% up to 77% Annual Percentage Rate (APR).
- Minimum – 1.99% per month; 23.88% p.a
- Maximum – 6.45% per month (only for loan terms 6 months and above); 77.4% p.a
*Interest rates vary per customer
Fixed Processing Fee: Php 500 (deducted from amount to be disbursed, not on top of loan amount)
Amount and Term Loanable
- Amount – From PHP 3,000 to PHP 150,000
- Loan Term – From 3 months up to 60 months
*all parameters vary per customer
Sample Calculation Loan
- Amount: PHP 15,000
- Loan Term: 12 months
- Interest Rate: 1.99%
- Loan Processing Fee – PHP 500 (fixed amount)
- Monthly Installment: PHP 1,418
Total Loan Cost: PHP 17,516
What is the work of Home Credit?
Home Credit provide innovative financing tools to the Filipino market, and give seamless customer experience through guiding them in every step of their journey – whether they are inside the store, or in the comfort of their homes. Home Credit Philippines was launched in Manila in 2013.
Who can apply loan Home Credit?
Anyone who meets all requirements listed below
- A Filipino citizen: Only Filipino citizens are eligible to apply.
- Age of 18 – 68
- Stable income: Employed (at least 3 months), self-employed, businessman, pensioner or receiving regular remittance.
What happens to unpaid online loan Home Credit?
Non-payment of loans simply equals to lower credit scores, which will eventually disqualify you from making any secured loans in the future. If your loans reach a default, expect to get really bad credit scores that will also disqualify you of any financial assistance when you most need it.
How do I know if I am fully paid for home credit?
You can visit the My Payment Portal in our website or download My Home Credit App in Google Playstore for checking of your posted payments. You may check posting of your payments by visiting the MyPayment portal in our website or by downloading My Home Credit app in Google Playstore.
Can I apply for another loan if I already have one home credit?
Can an existing Home Credit customer apply for an additional loan? Yes, existing customers can apply for additional loans if their current contract to any linked contract is not delinquent. Additionally, there should be a gap of a minimum of 90 days between loan applications.
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