My Home Credit-Loan,Load,Bills

256K 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
Jun 1, 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
256K reviews
Jeb Altobar
June 16, 2022
I cannot sign up, the next button is greyed out. I tried it on two of my phones and I still can't proceed to step two. All the information were given and the terms and condition was reviewed and accepted, still it won't proceed to the next step. After multiple attempts of troubleshooting still I was unsuccessful to sign up. Because of disappointment and frustration, I uninstalled the app on both phones and will just use the online account access instead.
114 people found this review helpful
June 16, 2022
Thank you for bringing this to our attention, Jeb. We have taken note of this and we'd like to check this further for you. Please message us the details of your concern along with your loan account number in our FB messenger via so we can provide a proper solution for this. We appreciate your patience regarding on this matter.
Yla Mae Vanessa Ramos
May 19, 2022
Its been years already. Im a good payer. I have no debt. The only thing that had me late was because of covid. the lock down. but I paid everything the moment that I got back to my job. almost 4 years but still I'm not given any chance to get a loan on anything. There is also no option to delete my account. It's useless. I bought phone here in full payment also I thought it would redeem my record but still. Nothing. This app is disappointing.
204 people found this review helpful
May 19, 2022
We’re sorry if this experience didn’t match your expectations, Yla Mae. Please message us in our FB Messenger via with any further comments, concerns, or suggestions you wish to share.
Law their Danbambs
June 9, 2022
Been home credit customer for so long that I can remember I think the apps is user friendly you will find it difficult to check on their merchant partners when you attempt to use their Qwarta features basically all you can do is to use it to buy load and pay some bills hopefully they will make it more easier to check options
1 person found this review helpful
June 9, 2022
We highly appreciate your good feedback, Law! By the way, the latest version (9.15.0) of the app is now available for download. We highly encourage you to update your app for you to see more latest features and offers. Thank you!

What's new

Get ready to update to the newest version of the My Home Credit app! Enjoy more cash loan products in this update as we give you a lot of offers that you can apply on top of your current cash loan. Also, experience a hassle-free way of paying your bills as you can now save your details and auto-fill it the next time you pay. Download the app today to get all these plus the 20+ enhancements to give you the best app experience