540K 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.

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.
Updated on
May 1, 2024

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 9 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

533K reviews
Ann Marie Jende Eamiguel
May 8, 2024
Since I upgraded to the latest version I cant view may loan payments and payment schedule in the app. I already reported this issue twice and it was not resolved. I like the old version of this app were i can view my payments made and view the schedule to pay my loan.
1 person found this review helpful
May 9, 2024
We appreciate your feedback, Ann Marie. Please be advise that loan payments and schedule will still show in the new version of our mobile app. If the you still encounter error, message us the screenshot and details of your concern in our FB messenger via bit.ly/HCFBChat. Thank you.
Maverick Anthony Despabiladeras
March 7, 2024
Please fix your app. Encounters, when filtering it won't filter in some choices like apple. Sometimes it show up. When opening the product simetimes got lag and loading only. Please fix pictures view also, you will see in the pic like 1/16 but only 1 pic can view and cant scroll. Its only me or your app has issue ? Btw, Please make comparison tab also so we can compare the two product before availing the plan. Thank you
287 people found this review helpful
March 8, 2024
We'd like to help, Maverick. Kindly follow these trouble shooting steps: Go to Settings in your phone, Click on Apps, Click on HC apps, Go to storage, clear data, and then hit "ok" & After you do so, the data should reset to 0.00 B. Kindly re-install the app with new version (9.34.1). If error persists, DM us in FB via bit.ly/HCFBChat.
Rhian Line
May 6, 2024
I was trying this app for the first time then the text just came in with the link and when I clicked the link it redirected me to install again and when I click the install no other choice but to install in some kind of samsung model i tried to cancelled and its just kept on that samsung model so inpressed the box and i find out somebody just installed in samsung model last january 27 duhh!?? I only uses iphones even in laptops and ipads so i don't understand but it automatically reg my email😂
May 6, 2024
Hi Rhian Line. We don't send sms of any links for you to download this app, as it is available and free to download here on Playstore. Kindly also check the email address you use to download our app, as your email address might be log in on other device/s you use or by your relatives, causing to see it on recommended device section.

What's new

Ka-HC, i-check ang 'yong dream aircon, refrigerator, and mobile gadgets as the Hottest Summer sa Pinas is still here in the App! Additionally, mas secure na ang 'yong Qwarta experience as we update screens and process para mas madali and exciting ang 'yong journey. Also, you can now use your Visa / Mastercard again as your payment option for your transactions. Download the latest version today!