Home Credit Online Loan App

444K reviews
Content rating
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About this app

Home Credit, the Philippines’ trusted loan company, now has an installment app for you! Our product installments or cash loans have flexible and easy payment terms! With the My Home Credit app, you can shop in installments on Home Credit Marketplace. Buy load, pay bills, pay with QR, and more.

Get Product Loans Up to P60,000

Loan a new phone, laptop, gadget, home appliance or furniture with loan offers of up to P60,000! All applications are done in the Home Credit online loan app. Results for your loan can be given in as fast as 1 minute!

The Loan App That Lets You Buy Now, Pay Later

Buy now, pay later for phones, laptop, gadgets and more items in the new Home Credit Marketplace, available in the loan app. Experience online shopping that lets you pick up items in shopping malls near you. Browse deals, loan what you need, and loan anytime!

The Loan App For Quick And Easy Repayments

Repaying your Home Credit loan is as easy as our loan application process! Pay via our online payment partners like GCash, Palawanpay, and Maya. Want to pay over the counter? We are also available in 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.

Buy Mobile Load, Pay Bills and Pay Via QR With Home Credit Qwarta

With Qwarta, you can buy mobile load for Globe, Smart, Sun, Talk 'N Text, Touch Mobile and DITO! Pay on time with Qwarta to any of our 250+ billing partners in the app. You can also scan to pay at stores with QR Ph or using the QR codes of our partners like Maya or AUB.

Enjoy Lazada promos and Cebu Pacific Flights with Qwarta! Use it to top up your Laz Wallet and purchase your next CebPac flight. Do more contactless payments with Qwarta, only on the Home Credit online loan app.

The Lending App With A Credit Card

Enjoy installment deals using your very own Home Credit Card! Track your installment shopping and keep your card secure with the Home Credit online loan app.

The Loan App With P150,000 In Cash Loans

Get up to 150,000 in cash loans that you can repay within 6 to 60 months, starting at 18% up to 96% Annual Percentage Rate (APR). Only one ID is needed to apply, and cash can be claimed in as fast as one minute. Enjoy hassle-free and fast processing times with the Home Credit online loan app.

Interest Rate*

Minimum – 1.49% per month; 18% p.a

Maximum – 7.99% per month (only for cash loan terms 6 months and above); 96% p.a

*Actual interest rates vary per customer

Processing Fee: Fixed at Php 500 (automatically deducted from disbursed cash loan proceeds)

Cash Loan Amount and Cash Loan Term

Cash Loan Amount – From PHP 3,000 to PHP 150,000

Cash Loan Term – From 6 months up to 60 months

Sample Calculation

Cash Loan Amount: PHP 15,000

Cash Loan Term: 12 months

Interest Rate: 1.49%

Cash Loan Processing Fee – PHP 500 (fixed amount)

Monthly Installment: PHP 1,374

Total Cash Loan Cost: PHP 16,492

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.

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
Sep 14, 2023

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

Ratings and reviews

439K reviews
Janey Ramirez
September 29, 2023
The app itself needs more improvements. When I was asked to update my email, the OTP took too long and when I had it ,the OTP says it's already expired, i did it for many times and still the same, such a waste of time. The OTP doesn't appear on time, so when it appears it's 10minutes late and when you put the OTP it's already expired.
September 29, 2023
We're sorry for the trouble, Janey. Make sure that you've provided your registered email address during application and you're using the updated version of the My Home Credit app (9.29.0). If you did not receive the OTP, you can tap/click the RESEND OTP button/link to request for another OTP. If error persists, DM us on FB via bit.ly/HCFBChat.
re Shell
September 25, 2023
I've heard a lot of good feedback in your service but there's one question I'm wondering why? Why there's no PASSPORT in the list of valid id's? I was trying to verify my account but I was so surprised, why there's no PASSPORT in the option! does it even make sense? passport is one of the most valid Id's we should use in verifying our identity, isn't it?? I'll change my review later, if passport will be added in the choices.
2 people found this review helpful
September 25, 2023
We're sorry for the inconvenience, re. As part of our mobile update, Passport ID is no longer available. You may choose other ids shown in the selection button. If you have any questions or concerns, please don't hesitate to message us in our FB page via bit.ly/HCFBChat so we can further assist you. Thank you.
Joshee Altivo
July 24, 2023
It offers the opportunity to grab your dream device. However, they have offers in the app but when you click it disappears and boom, no longer available. It asks you to update profile but when you submit, the offer is gone. I took a snip of it and the AI said it is not available for me. So somehow I feel decieved. And also, there is no option to pay bills in my app but in some they have.
563 people found this review helpful
July 24, 2023
We regret to know about this experience, Joshee. We always aim to provide the best customer service experience to our clients and we're sorry if you experienced the other way around. You could DM us on our FB page via bit.ly/HCFBChat and we'd be glad to check available offers in your account. Thank you.

What's new

“Ka-HC, ito na ang latest!

1. Mas convenient na ang iyong Meralco payment transaction gamit ang new shortcut button sa dashboard!
2. Mas secure na ang iyong Loan App Journey with added security features sa QR Code scanning!
3. Mas mabilis na ang iyong application with our improved Cash Loan offers; at
4. Mas madali nang makita ang iyong transactions sa new "My Receipts" section ng Qwarta.

Exciting, 'di ba? Download the latest version of the My Home Credit App today!”