My Home Credit-Loan,Load,Bills

273K 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
Aug 2, 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
273K reviews
Ma. Camille Cabus
August 7, 2022
loan plan is great, the app itself is great, but costumer service is very poor. i contacted the costumer service through the app because i have some issues but the first one, i got disconnected. second one, he transferred me to other agent. IT TOOK MINUTES FOR THEM TO REPLY AND STILL CAN'T HELP ME WITH MY PROBLEM. FIX YOUR AGENTS.
1 person found this review helpful
August 7, 2022
Sorry for the inconvenience and we have taken note of your feedback, Ma. Camille. Please feel free to send the full details of your concern and loan account number in our FB messenger via or email us at so our team will be able to check things for you. Thank you!
Jen A. Mendoza
August 14, 2022
Paying online has been great but this month, there's always been an error. I was asked to answer surveys about it for 3 times and still the issue isn't resolved. When I linked my bank, I was charged ₱180 for it. That's an extravagant amount!
August 15, 2022
Hi Jen, sorry for the inconvenience. We would like to check what you have encountered in your mobile app and customer service. Our team will be happy to check on this further. Please send us a message along with the screenshot and details of your concern in our FB messenger via or email us at Keep safe!
Kay Dee
August 15, 2022
It's already a month but I still can't pay thru app. It's inconvenient since the app is having technical issues. My internet connection is ok but this app is disgusting. If you cant pay faster in scheduled date HC keeps on calling you and they said that you just have to pay online but it's not working! That means our option is to pay manually instead in stores accepting home credit payment Please have time to check your online app.
August 15, 2022
Hi Kay, we are sorry if our app did not meet your expectations. We would be more than happy to know more about your app and customer experience. Please share your loan account details and screenshots in our FB messenger via Looking for forward to assisting you.

What's new

The hottest back-to-school deals and budget appliances awaits you in the newest version of the My Home Credit app! Also, we improved our loan application process using the app, as you only need one Primary ID to apply for a Product Loan. So what are you waiting for? Download the app today to get all these plus the 20+ enhancements to give you the best app experience.