553K 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
May 28, 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

546K reviews
Jin Jin (jin)
May 30, 2024
Good on tracking loan payment but really a huge hassle and very inconvenient when using for loan applications. The fill up menus are awful and are wonky. The drop down menu is incomplete and only limited, I had to refresh a lot of times but still, it does not show more options. I hope you fix the application more and try to check more bugs/details. Thanks!
51 people found this review helpful
June 1, 2024
We regret to know about this experience, Jin Jin (jin). We always aim to provide the best customer service experience and user experience to our clients and we're sorry if you experienced the other way around. You could DM us on our FB page via bit.ly/HCFBChat and we'd be glad to assist you if you have account related concerns. Thank you.
Nicole Andrea Casyao
June 15, 2024
Cannot proceed with my credit verification even though I completely fill out everything the app requires. I even Allow them the access to apps in my phone (even the ridiculous ones). Due to this, I cannot proceed with any transactions. Practically useless. Borderline phishing.
1 person found this review helpful
June 16, 2024
Hi, Nicole. We'd like to help. 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 (9.37.2). If error persists, DM us in FB via bit.ly/HCFBChat.
franz ajero
June 11, 2024
I applied for cash loan for the 2nd time. It says ready to claim but the money wasn't in my husbands bank accnt. So I called customer service for 3 days, they told me the same. It will reflect in 2 banking days. Still the money wasn't there for the 3rd banking day. I spent 500php load for nothing. Too expensive to call. Im a good payer and they can check it on their end. Goodness..
1 person found this review helpful
June 12, 2024
Thanks for reaching out, franz. Please be advised that weekends and holidays is not included in 2 banking days. Please tell the account holder to send us a DM on our FB page: bit.ly/HCFBChat so we can check on this one. Thank you.

What's new

Ka-HC! We've improved this new version of the app para mas secured and mas convenient ang 'yong experience. See the enhanced screen and process when you buy vouchers using your Qwarta. Makikita mo na rin ang first due date mo during the cash loan application process. At ito pa, mas secure na ang ‘yong cash disbursement with the added reminders sa pag- cashout ng 'yong approved loan. Exciting, 'di ba? Kaya download the latest version of the app today!