Get a loan in the fastest and easiest way thru ” HOME CREDIT “!

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What is Home Credit?

Home Credit Philippineis a personal loan service.  Make it easier for you to borrow money, buy a new gadget and buy things for your own home.

Home Credit Philippines started operating in the Philippines in October 2013. Now, Home Credit is the most popular in the Philippines when it comes to buying a new gadget and home appliances.

How can I apply for a Cash Loan via the My Home Credit App?

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It’s easier to apply for a Home Credit Cash Loan using your My Home Credit App!

Log in to your account and follow the step-by-step guide for you to submit your application. 

Step 1

Log in to your account to My Home Credit App and tap ‘Click’ and Apply Now on the cash loan banner.

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Step 2

Choose yourpreferred financed amount andthe desired number of monthly installment payments for your cash loan. Click ‘Continue‘after you review your loan summary.

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Step 3

Just follow the instruction and complete the details form by going through all the screens, then click ‘Submit Application’.

Make sure the information you provided is correct before you click the ‘Submit’ button.

Don’t forget to prepare your 2 valid IDs.

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Step 4

On the home screen of your app, you can see and check the status of your application within 1-2 minutes after you submit your application.

If approved, click ‘Sign the Contract’ so you can proceed to sign your cash loan.

You must type your One Time Password (OTP) that you received via SMS / text, so you can proceed to sign the contract.

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Step 5

Congratulations! Your contract is already signed. You will receive an SMS/text from Home Credit once your cash loan is ready to claim.

Guidelines on how you will pay your “Home Credit” Cash loan

1. Loan Account Number

   The Loan Account number as stated in the Payment Schedule shall be used as a reference number to ensure that payment will be posted on the right contract.

2. 3 Days Ahead

   To prevent any unnecessary delays and due to standard payment processing time it is recommended that payments are made 3 days before the due date

3. Transactions Fee

   When making a payment in certain payment channels, the customer shall pay the applicable transaction fee, if there’s any. Direct payments to Home Credit have no processing fee.

4. Retain Receipts

   Customers are advised to retain receipts until payment for the loaned amount is completed. When paying to Field Officer, always ask for payment receipt

5. Check Your Payment Schedule

   Check payments or any other modes of payment not indicated in your payment schedule will not be accepted

Partial Early Repayment

In case you want to make a Partial Early Repayment of your Home Credit loan, please ensure that the following eligibility requirements are met:

1. It has been 15 days since you have signed your loan contract

2. The advance payment would cover at least 2 months’ worth of monthly installments.

Interest and insurance will be waived for the months that will be covered by the partial early repayment.

If you wish to make a Partial Early Repayment, please inform our Customer Service Department first through chat using the My Home Credit App or Contact Us page.

Full Early Repayment

If you wish to fully pay your Home Credit loan early, we have 2 options for you:

1. Cooling Off Period: Full Early Repayment within the first 15 days after signing

• If you decide to finish the loan within the first 15 days after contract signing, you can repay the full loan amount without any fees and interest. To process it call our Customer Service Hotline at (02) 7753 5711.

2. Full Early Repayment after the first 15 days upon signing

• If you decide to finish the loan in full, you can pay the remaining balance without future interest provided that your account is not past due.

“Final Thoughts”

“Home Credit Philippines” one of the helpful App that you can easily borrow money just in case you have an emergency.  If you have any queries regarding your Loan Application just call/email Home Credit Philippines (02) 7753 5711 /info@homecredit.ph .