Home Credit Online Loan App

HC CONSUMER FINANCE PHILIPPINES, INC.

About this app

The loan app loved by Filipinos! Home Credit, the Philippines’ trusted lending company, now has an app that empowers you by providing loan products like product loans and cash loans — all with flexible loan terms and easy loan repayments!
Aside from loans, the Home Credit Online Loan App also offers shopping through Home Credit Marketplace. Buy load, pay bills and do QR payments with this online loan app for Filipinos.

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 (BNPL) 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 hundreds of 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

Buy mobile load for Globe, Smart, Sun, Talk 'N Text, Touch Mobile and DITO. The Home Credit Online Loan App also lets you pay bills for almost 250+ billers, pay via QR to stores that support QR PH standard and even QR codes of our Partners like Maya and AUB. Enjoy these benefits when you start using your Home Credit Qwarta.

The Lending App With A Credit Card

With the loan app, you can activate and use your very own Home Credit Card! Use the card for your everyday purchases, track your card spending and take control of your card security. Do all these 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.

Ratings and reviews

I'd like to give reviews on HC itself. they have annoying policy on reminding their borrowers RE duedate. besides sending push notifications, texts and emails, they also keep on calling every 30mins. phone usage is prohibited at my work so this action from HC is annoying for me. Also, paybills/ecommerce and paybills/government windows don't have anything on it, just a blank page.

couldn't log in. my pin was correct, but I could not receive the OTP, and the developer should've at least put the last two digits of the mobile phone linked into the account. Now I'm confused if I have put in the same contact number that I'm currently using because I couldn't receive the OTP.

2023 Update: I've been very happy with the service. I came back 2 years after the phone that I got. I got a laptop and now able to use it on part-time work on the side. They now offered me a cash loan, I'm surprised at how high the amount was at first. I tried it just to test the waters, and the process was it. Now, I am thankful because after paying the first cash loan, the amount doubled and just in time because I'm in need of money to pay for surgery. Thank you, Home Credit!

What's new

With the latest version of My Home Credit App, you can now "Fly now, Pay later" by paying your Cebu Pacific flight bookings using your Home Credit Card or Qwarta. You can also shop for your dream products in installments by tapping the Shop button on the dashboard. Additionally, if you're a Qwarta or Credit Card loan user, you can pay over-the-counter via 7-11 using the app's barcode generator. Update now and experience these 20+ enhancements in My Home Credit! - your fave installment loan app.