My Home Credit
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My Home Credit App: Shop Now, Pay Later on Installments
The Handy Financing App
This all-in-one app lets you shop now and spread payments over time for gadgets, appliances, furniture, and more! Apply for flexible financing plans directly in the app, with approvals as fast as 1 minute.
Shop Online and In-Store
Browse a marketplace of products you can buy using the app and pick them up at convenient locations near you.
Easy Repayments
Manage your installments and choose from various payment options - online partners, over-the-counter channels, or auto-debit for debit and credit cards.
Beyond Shopping
The app offers additional features for everyday needs:
• Buy mobile top-up for major carriers.
• Pay bills from over 250 billers.
• Scan and pay at stores using QR codes.
• Top up your e-wallet for online shopping.
• Book flights with a travel partner.
The Installment App With A Credit Card
Enjoy flexible installment deals using your very own Home Credit Card! Then, track your online shopping and keep your card secure with your trusted installment app.
The App With P150,000 in Cash Loans
Borrow up to P150,000 in cash 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.
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 Barrowed Amount and Installment Term
Cash Barrowed Amount – From PHP 3,000 to PHP 150,000
Cash Installment Term – From 6 months up to 60 months
Sample Calculation
Barrowed Amount: PHP 15,000
Installment Term: 12 months
Interest Rate: 1.49%
Loan Processing Fee – PHP 500 (fixed amount)
Monthly Installment: PHP 1,374
Total Cash Loan Cost: PHP 16,492
How we protect your privacy
We are committed to your privacy at home or wherever you are. We comply with the Data Privacy Act of 2012 to ensure privacy in our processes. Visit our website (https://homecredit.ph/privacy-policy/) to learn more. The My Home Credit app may request permissions such as location, emails, messages, phone calls, camera, calendar and contacts, which we use to prevent loan 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.
The Handy Financing App
This all-in-one app lets you shop now and spread payments over time for gadgets, appliances, furniture, and more! Apply for flexible financing plans directly in the app, with approvals as fast as 1 minute.
Shop Online and In-Store
Browse a marketplace of products you can buy using the app and pick them up at convenient locations near you.
Easy Repayments
Manage your installments and choose from various payment options - online partners, over-the-counter channels, or auto-debit for debit and credit cards.
Beyond Shopping
The app offers additional features for everyday needs:
• Buy mobile top-up for major carriers.
• Pay bills from over 250 billers.
• Scan and pay at stores using QR codes.
• Top up your e-wallet for online shopping.
• Book flights with a travel partner.
The Installment App With A Credit Card
Enjoy flexible installment deals using your very own Home Credit Card! Then, track your online shopping and keep your card secure with your trusted installment app.
The App With P150,000 in Cash Loans
Borrow up to P150,000 in cash 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.
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 Barrowed Amount and Installment Term
Cash Barrowed Amount – From PHP 3,000 to PHP 150,000
Cash Installment Term – From 6 months up to 60 months
Sample Calculation
Barrowed Amount: PHP 15,000
Installment Term: 12 months
Interest Rate: 1.49%
Loan Processing Fee – PHP 500 (fixed amount)
Monthly Installment: PHP 1,374
Total Cash Loan Cost: PHP 16,492
How we protect your privacy
We are committed to your privacy at home or wherever you are. We comply with the Data Privacy Act of 2012 to ensure privacy in our processes. Visit our website (https://homecredit.ph/privacy-policy/) to learn more. The My Home Credit app may request permissions such as location, emails, messages, phone calls, camera, calendar and contacts, which we use to prevent loan 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.
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