Home Credit Online Loan App

364K reviews
Content rating
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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.
Updated on
Mar 21, 2023

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
364K reviews
jen see
March 11, 2023
same review from last 2022. app for some reason needs me to re-log in after update. when i do log in, it says i am to receive an OTP. but no OTP comes. i tried uninstall install, sign up again, nothing works. plus custome service asks for a screen shot showing i did not receive OTP. what screen shot do you need? one without any OTP? then you'll just get the view of the app doing count down for OTP entry. tsk tsk poor customer service to think i have been a repeat customer multiple times.
5 people found this review helpful
October 22, 2022
Sorry for the inconvenience, Jen. We'd be happy to check your account and explain things further. To do so, please send us a private message in our FB messenger via bit.ly/HCFBChat or you may also send us your concern via email at info@homecredit.ph and our team will be assisting you further. Thank you.
Krystal Lim
March 14, 2023
It was okay before. But both Customer Service and app is not good anymore. Applied for a phone loan but when it was sent for approval it disappeared all of a sudden. Called Customer Service and I was advised I don't have an offer when I just applied few minutes before I called them. 😔😑🥴
March 15, 2023
We appreciate your feedback, Krystal. Please be advise that all application are subject for approval and we regret that your application was rejected. No worries, you could apply again once there's a new offer for you. You may check the app for future offers for you, just make sure that you app has the latest version (v9.23). Thank you
Sir Josh
March 1, 2023
I tried making the payment on the Home Credit App but the payment did not go through but I got charged on my bank. Also the customer service representative are so useless. I spent 3 hours just to get the issue resolve but nothing happened. I'm trying to be a good customer by paying my bills on time but the HC App and all the representative that I've talked to are useless. Even the supervisor and the manager are useless
4 people found this review helpful
March 1, 2023
Thank you for bringing this to our attention, Sir Josh. We'd like to check this further for you. To do so, please reconsider to send us a private message in our Facebook page via bit.ly/HCFBChat so we can assist and discuss this with you thoroughly. We appreciate your patience regarding on this matter.

What's new

You can now activate your renewed Home Credit card through the notif banner in the mobile app dashboard, making it more convenient for you. We prioritize your fave vouchers in the share treats and provide an easy way to copy your voucher code via the Copy Pin Button on your transaction receipt. Moreover, the latest Home Credit app notifies you and gives you an improved transaction record when you repay your loans in the app. Download the latest version of your fave lending app for more features.