Home Credit Online Loan App

528K 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
Mar 21, 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

522K reviews
Clem Factor
February 29, 2024
No app issues so far. I've been paying in advance for my product loans and it instantly reflects in my account. No payment issues encountered. Just wanted to FLEX their protection plans, it's not just with your availed product but as well as for you. Borrower's protection plan is what I like the most! Their terms and conditions are very transparent and likely consumer friendly. Through the interest is quite a bit high for me, I still like the service and benefits it does in return.
329 people found this review helpful
February 29, 2024
Thank you so much for your encouraging star ratings, Clem! We're glad that you're satisfied with our good service. By the way, the latest version (v9.34.0) 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. Stay safe!
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
225 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.
February 19, 2024
No option to pay through credit card! Enrolling a debit card is such a hassle, and why would I go out to pay???? Awful service, very awful! You are getting a big chunk of interest from your borrowers and you can't spare money for the convenience of your clients! 🤮 Again, AWFUL! Oh! I forgot that this app is always under maintenance 🙄
30 people found this review helpful
February 20, 2024
Hi Mishelley, apologies for the hassle and truly we want the best Mob App experience for all of our clients. Updates are required when the app version has new features and functions. We highly recommend that you keep it updated so you can make the most out of its features. For you to be able to make the most of the app, you should update the app.

What's new

Ka-HC! The hottest Summer sa Pinas is finally here in your favorite online installment lending app, My Home Credit! 0% interest deals ang naghihintay sa'yo for your dream aircon, refrigerator, and mobile gadgets with the best loan terms at abot-kayang monthly payment. We also enhance cash and product loan screens para mas convenient ang 'yong loan app journey. Exciting right? Update now to experience these 20+ enhancements and see the best deals in the new version of the My Home Credit app!