My Home Credit

HC CONSUMER FINANCE PHILIPPINES, INC.

About this app

Access your dream gadgets, appliances, furniture, and more through affordable installments with our Product Loan service. Say goodbye to credit card hassles and enjoy discounts of up to 50% with loan terms of up to Php 60,000 at 0% interest. Get the products you deserve without the financial stress - apply now and start enjoying your purchases today!

Avail Products worth up to P60,000 with our 0% Interest Deals

Buy on installment with flexible installment plans. Loan a new phone, laptop, gadget, home appliance, or furniture with loan offers of up to P60,000! All applications are done in your favorite online lending app in the Philippines, My Home Credit.

With Marketplace you have a mall in your Pocket!

Upgrade your home and office by availing of our 0% installment deals at Home Credit Marketplace, featuring the newest gadgets, appliances, furniture, and more. See the wide selection of cellphones, computers, TVs, and motorcycles with convenient payment plans and a seamless online shopping process. Start experiencing the fun of purchasing in our Marketplace!

Loan Approval as Fast as 1 minute

You can apply product loan by downloading the My Home Credit app and get the results for your loan can be given in as fast as 1 minute!

1 Valid ID to Apply for a Loan

Just need 1 Valid ID to apply for a Loan, along with being a Filipino citizen, 18 – 68 years old, and have an income from reliable sources such as employment, business, pension, and remittances.

Pay on time and installments for the last month are free

Make sure to pay on time to enjoy a free or waived payment for your last installment in your plan, and you'll see the reward automatically applied to your account.

Find Us In All Your Favorite Malls and Major Stores

Your gadget installment and other purchases with Home Credit awaits you. Get your Product Loan with our over 15,000 Stores nationwide!

Quick And Easy Loan Repayments

The Loan App For Quick And Easy Repayments offers online installments and auto-debit options. Repay your Home Credit loan easily through online payment partners like GCash, PalawanPay, and Maya. Pay over the counter at Palawan Express, 7-11, SM Bills Payment, and Touchpay.

Auto-debit loan repayment is also available for account holders of BPI, Metrobank, Unionbank, Security Bank, PNB, BDO, and RCBC. Payment via the Home Credit website is also accepted for Visa and Mastercard debit cards.

See Your Loan Details 24/7!

My Home Credit App, your favorite installment lending app which provides easy access to loan details and transactions anytime and anywhere. Apply for a loan now and enjoy the benefits of our easy installment plans and zero percent installment deals!

How We Protect Your Privacy

Our commitment to your privacy is paramount. We comply with the Data Privacy Act of 2012 and strive to embed privacy in all of our processes. Visit our website (https://homecredit.ph/privacy-policy/) to learn more. The Home Credit loan app may request permissions such as location, emails, messages, phone calls, camera, calendar and contacts, which we use to prevent fraud and determine creditworthiness. You can deactivate these permissions after submitting a loan application, but it may affect certain features.

HC CONSUMER FINANCE PHILIPPINES, INC.
Doing business under the name and style of HOME CREDIT
SEC Reg. Number: CS201301354
Certificate of Authority Number 1071 issued 07 April 2017

Please read carefully the terms and conditions before proceeding with a loan transaction.

Ratings and reviews

Good on tracking loan payment but really a huge hassle and very inconvenient when using for loan applications. The fill up menus are awful and are wonky. The drop down menu is incomplete and only limited, I had to refresh a lot of times but still, it does not show more options. I hope you fix the application more and try to check more bugs/details. Thanks!

Stupid face verification. Tried a lot of times because i needed to access my account but it always fails. I used to be able to login only with my pin and now it is not allowing because of this failure of face verification. I will now stop using home credit.

Before then, HC seems good. But after my multiple complete transaction with good payment records, the system are NOT RELIABLE now. They always keep sending Offers thru text and apps notifications. But it always cannot proceed even you already update your apps identity record. Very bad service and partnership due to system glitch etc.

What's new

Ka-HC, ito ang bago sa latest version ng app! Maaari nang mag-register and mag-apply for a product installment or cash loan using your DITO numbers para sa sulit na offer and features na naghihintay sa'yo. Also, explore our exclusive online partners and checkout using the app! Just tap the online shopping shortcut in the dashboard to get started. Exciting right? Update now to experience these 20+ enhancements and see the best deals in the new version of the app.