My Home Credit-Loan,Load,Bills

342K reviews
Content rating
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About this app

The Official Mobile App of Home Credit Philippines

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 Discounts 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.

Easily Apply for Loans

Looking for a new phone, laptop, gadget, home appliance or furniture? Get loans tailored just for you! Apply online through the mobile app and get pre-approved for a quicker transaction process.

Shop on Installments

Buy now, pay for later any item from phones, laptops, gadgets & more with the new Home Credit Marketplace! Pay in low monthly installments for as low as 0% interest or pay in full using cash!

Manage Your Payments

Pay loans and manage your repayment schedule online. Setup automated repayment using your debit cards. No more missed payment!

Buy Load, Pay Bills and Pay via QR using Home Credit Qwarta!

Buy load for Globe, Smart, Sun, Talk 'N Text, Touch Mobile and DITO, Pay Bills for almost 250+ billers and Pay via QR directly to stores that support QR PH standard and even QR codes of our Partners like Maya and AUB. Get all these benefits with your Home Credit Qwarta (no need to apply, bundled with your Product Loan!)

Explore Great Promos and Discounts

Home Credit Smile Discounts through partner merchants bring you exciting offers nationwide!

Manage Your Home Credit Card

Activate your Home Credit card, track your credit card spending and take control of your credit card security.

Apply for Cash Loans

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).

Interest Rate
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

How we protect your privacy
We respect the privacy of our customers and users of our online platforms like our mobile application. We strive to embed privacy in all of our processes in compliance with Republic Act No. 10173 also known as the Data Privacy Act of 2012, its implementing rules and regulations, and other issuances of the National Privacy Commission.

You may visit: to learn more about how we are committed to protect your privacy

On Mobile App Permissions
The application may request that you activate permissions including but not limited to location, emails, messages, phone calls, camera, calendar and contacts. We use these permissions to determine creditworthiness, prevent fraud, collections, and to comply with the Know-Your-Customer rules imposed by the Bangko Sentral ng Pilipinas.

You may deactivate the permissions requested by the Home Credit mobile app after the submission of any application for our services. However, certain features or resources meant to enhance security or usability may not work or produce a degraded experience for you.

HC Consumer Finance Philippines, Inc.
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.
Updated on
Nov 28, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 10 others
Data is encrypted in transit
You can request that data be deleted
342K reviews
khare sanchez
November 22, 2022
I don't have a problem on the app, i can easily log in.. and all my transaction was smooth ,Fast and easy. In terms for the loan and installments not bad also. I just don't like when a few days before due date your staffs keeps on calling, its annoying, its not duedate yet you keep on disturbing people, and if they cannot pay its automatically you add extra interests..thats all! Thank you Home credit! Godbless.
144 people found this review helpful
November 22, 2022
We are glad that you like our good services, Khare. Thank you and stay safe!
November 22, 2022
5 Star for the latest experience I had with them. Process was so smooth it's just that we had problem with of your partner store. That got escalated due to unfamiliar process they try to implement. 3 Star on the app. There is still a lot to improve on the app. There's a lot of bug specially when you are trying to filter your options on the items you view. Minimal details on the product they offer and the partner store where you can get the item is so hassle for me. Please update it. Thanks!!
31 people found this review helpful
November 22, 2022
Your feedback is highly appreciated, RammmNov. Home Credit Philippines sees to it that our clients are heard. Please wait for updates and check the features we will add soon. If you have other concerns or clarifications, send us a private message here in our Facebook page via so we can assist you right away.
alex grospe
January 23, 2023
Please BRING BACK the log in user to use the ACCOUNT NUMBER Some instancES the app is not working properly and you would like to avail your promos. Your agents are going to apply it for you. In my case they registered my information and put one of my details wrong. So, i have 2 accounts registered with the same email and nunber.Unfortunately, they can't delete it as for t&c. It takes 5 years. So everytime I apply the wrong account is the one that keeps coming out by using the email.
January 23, 2023
Thank you for letting us know about this, Alex. We'd like to check this further for you. To do so, please send us a private message in our Facebook page via so we can assist you right away. We appreciate your patience regarding on this matter.

What's new

We've updated your favorite installment shopping app! Login to the new app's holiday-themed screen, see your latest load and bill transactions on the dashboard, and buy these again with just one tap! Applying for a loan? Just update your monthly net income and see the best loan offers! You can also renew your gadget insurance using your Qwarta by using the app! All these and more, and enjoy the latest Home Credit App version.