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Apply for a loan, find the best deals, buy load and pay bills
- it's all here!
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Start your Home Credit journey today!
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Avail a Product Loan at 0% interest terms or discounts up to
50%
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Get pre-approved in 1 minute and pay flexible terms up to 18
months
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View your loan details. Track and schedule your payments at
home
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Experience pocket power at your fingertips. Download the Home
Credit App and start browsing your 0% interest deal!
Product Loans
Whether you need a laptop for distance learning or want to
upgrade to the latest smartphone, our cash-free Home Credit
Loan makes it easy to buy what you need. Pay in affordable
monthly installments. Fast approval in just 1 minute.
Cash Loans
From life goals and investments to emergency expenses, we
have you covered with Home Credit Cash Loan. Get approved in
minutes, with no hidden charges. Claim your cash through
bank transfer or pick-up via our partner centers. Fast and
secure!
Qwarta
Your Qwarta enables you to buy load or vouchers, pay
bills, and shop on credit through the Home Credit App!
Enjoy Qwarta instant approval of up to 10,000 spending
limit when you get a product loan.
Filipino Citizen
Must be a Filipino citizen, age 18 - 68 years old.
Primary ID
Must have one primary ID that contains your current
address.List of Valid IDs
Source Of Income }
Must have an income from reliable sources such as
employment, business, pension, and remittances.
Customers with ongoing loans are qualified
Existing customers with ending loans can re-apply.
Quick Nav
Installment Shopping
Marketplace Deals
The computed monthly installment rate is only an estimate, may
vary and will be determined during your loan application.
View detailed information and more products through
Home Credit mobile app.
Apple iPhone 14
Php 61,990
Apply for a Loan Today
Product Details
Brand: Apple
Rear Camera: 12 MP, f/1.5, 26mm (wide),
sensor‑shift optical image stabilization 12MP
Ultra Wide, f/2.4
Memory: 6 GB
Weight: 172g
Dimensions: 146.7 x 71.55 x 7.8 mm
Processor: A15 Bionic chip
Display: 6.1 inch Super Retina XDR display
Front Camera: 12 MP, f/1.9
Battery: 3,279 mAh
Storage: 128 GB
OS: iOS 16
Release Date: Sep 2022
SIM: Nano SIM
Apple iPhone 11
Php 32,990
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Product Details
Brand: Apple
Rear Camera: 12 MP, f/1.8, auto-image image
stabilization 12MP Ultra Wide, f/2.4
Memory: 4 GB
Weight: 194g
Dimensions: 150.9 x 75.7 x 8.3 mm
Processor: A13 Bionic chip
Display: 6.1 inch Liquid Retina display
Front Camera: 12 MP, f/2.2
Battery: 3,110 mAh
Storage: 128 GB
OS: iOS 13 (upgradable to iOS 16)
Release Date: Sep 2019
SIM: Nano SIM
OPPO Reno8 5G
Php 27,999
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Product Details
Brand: Oppo
Rear Camera: 50 MP, f/1.8 8 MP, f/2.2, (ultrawide)
2 MP, f/2.4, (macro)
Memory: 8 GB
Weight: 179 g
Dimensions: 160.0 x 73.4 x 7.67 mm
Processor: MediaTek Dimensity 1300 (8 cores with a
maximum frequency of 3.0 GHz)
Display: 6.4 inches FHD Display, 90Hz Refresh Rate
Front Camera: 32 MP, f/2.4
Battery: 4500 mAh, 80W Fast Charging
Storage: 128 GB
OS: Android 12
Release Date: July 2022
SIM: Nano SIM, Dual
Xiaomi Redmi Note 11 Pro 5G
Php 15,999
Apply for a Loan Today
Product Details
Brand: Oppo
Rear Camera: 108 MP, f/1.8 (wide) 8 MP, f/2.2,
(ultrawide) 2 MP, f/2.4, (macro)
Memory: 6 GB
Weight: 202 g
Dimensions: 164.2 x 76.1 x 8.1 mm
Processor: Qualcomm SM6375 Snapdragon 695 5G
Display: 6.67 inches SUPER AMOLED Display, 120Hz
Refresh Rate
Front Camera: 16 MP, f/2.5
Battery: 5,000 mAh, 67W Fast Charging
Storage: 128 GB
OS: Android 11
Release Date: January 2022
SIM: Nano SIM, Dual
vivo Y35
Php 14,999
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Product Details
Brand: Vivo
External Storage: microSD
Rear Camera: 50 MP, f/1.8, (wide), PDAF 2 MP,
f/2.4, (macro) 2 MP, f/2.4, (depth)
Memory: 8 GB
Weight: 188 g
Dimensions: 164.3 x 76.1 x 8.3 mm
Processor: Qualcomm SM6225 Snapdragon 680
Display: 6.58 inches, IPS LCD, 90Hz Refresh Rate
Front Camera: 16 MP, f/2.0 (wide)
Battery: 5,000 mAh, 44W Fast Charging
Storage: 128 GB
OS: Android 11
Release Date: Aug 2022
SIM: Nano SIM, Dual
Samsung Galaxy A73 5G
Php 29,990
Apply for a Loan Today
Product Details
Brand: Oppo
SIM: Nano SIM, Dual
Rear Camera: 108MP, f/1.8, OIS (wide) 12 MP,
f/2.2, (ultrawide) 5 MP, f/2.4, (macro) 5 MP,
f/2.4, (depth)
Display: 6.7 inches FHD+ sAMOLED
External Storage: microSDXC
OS: Android 12, One UI 4.1
Dimensions: 163.7 x 76.1 x 7.6 mm
Processor: 6nm Snapdragon 778G
Release Date: April 2022
Battery: 5000 mAh
Front Camera: 32 MP, f/2.2 (wide)
Weight: 181 g
The No-Worries Credit Card
Loan Calculator
Got a purchase in mind? Here's how we calculate your monthly
payment.
Mobile app download red
Manage Loans
See your amount due, know when your due date is, get ahead
with your Payment Schedule
Learn More
Tips and Stories
Get the inside scoop for all the products that you love, know
the tips on how to use the latest gadgets, and more!
Learn More
Wais Sa Home
Be financially responsible when it comes to saving, borrowing,
online security, and using the latest digital technology.
Learn More
Recognized By Credible Partners And Government Agencies
In The Service Of Every Filipino
Here for you,
From once to always
From once to always
https://www.youtube.com/embed/w24boCuHLZU
We want to help you overcome your financial worries. Over
the years, we’ve innovated in the financial landscape by
digitizing our products and services – so we’re right where
you are, whether you’re in the store or in the comfort of
your home.
9M Filipinos
We’ve empowered over 9 million Filipinos through our
financial services and products.
1.5B Transactions
Over P1.5 billion worth of daily transactions processed
nationwide, making us a trusted and reliable financial
partner.
9 Years
Operating and innovating for 9 years in the local fintech
space, continuing to grow and serve you better.
Manage Loans
See your amount due, know when your due date is, get ahead
with your Payment Schedule
Tips and Stories
Get the inside scoop for all the products that you love,
know the tips on how to use the latest gadgets, and more!
Enjoy 60% Savings With Home Credit
You can save more with our Device Protection plan, compared
to other plans in the market.
Free Pick-Up And Delivery 1
Stay where you are and stay safe. We’ll pick-up aand return
your device for free.
Repair As Fast As 24 Hours
Get your device repaired in as fast as 24 hours and returned
to you in 3 working days if you’re in Metro Manila, 5
working days for other areas. Terms and conditions apply.
Free Pick-Up And Delivery
Stay where you are and stay safe. We’ll pick-up aand return
your device for free.
Contactless Transactions
Shop online or via QR to enjoy hassle-free transactions in a
few taps.
1% Rebate For Every Purchase
Earn 1% rebate whenever you use your Home Credit Card.
Up to 45 Days Interest-Free
Get more time to pay: 30-day billing period plus 15-day
extension before the payment due date.
Secure Transactions
Your Home Credit Card comes with security features such as
the EMV chip, PIN verification, and SMS alerts.
Card Protection & Insurance
Be worry-free in case your card gets lost. Block your card
easily to avoid unauthorized transactions.
Exclusive Deals & Promos
Make the most of your Home Credit Card perks. Enjoy savings
and other deals!
790+ Locations
You can easily find us in more than 790 malls, 17 cities in
Metro Manila, and 65 provinces in Luzon, Vizayas, and
Mindanao.
13K Employees
More than 13,000 Home Credit employees are committed to
making our customers’ life better.
Insurance Coverage
Superior HMO coverage, leave credits, and group life
insurance benefits for your health and well-being.
Competitive Compensation
Get paid well and enjoy competitive performance bonuses from
us.
Technical Trainings
Level up with us on all the cutting-edge technologies and
platforms we’re using.
Get more customers
With easy financing options available, customers don’t need
to postpone their purchasing decisions. Our easy
point-of-sale lending and other services will open you up to
more customers.
Be recommended
Once your customers know they can shop in installments with
ease and on-the-go, they are more likely to share the
experience with their family and friends.
Boost your sales volume
By offering safe and hassle-free financing options, you
increase your customers’ buying capacity and ability to
upgrade their purchase.
Develop sales efficiency
Enjoy higher footfall and better sales conversion rates when
you integrate our services with your offers. The Home Credit
system makes everything easy.
Gain repeat customers
A happy customer means a repeat buyer. They spend more than
new customers, and it’s always easier to sell something to a
customer than to a prospect.
Expand your offer
Enhancing the buying power of your customer broadens your
product scope, facilitating business expansion and
increasing profitability.
No additional fees for bills payment!
Enjoy zero fees when you pay your bills using the Home
Credit App.
Quickly apply for a Product Loan
Getting that dream gadget or appliance is always easy with
the My Home Credit app! Get pre-approved right at the
comfort of your own home and pick the gadget that you want
to get in any of our 10,000+ partners nationwide!
Buy Load, Pay Bills and Pay with QR
Home Credit customers with Qwarta or Home Credit Card can
now buy load, pay bills for over 200+ billers, and purchase
everyday items via QR using the My Home Credit app!
Shop for Load for different networks
Top-up with zero hassle. Buy prepaid load directly from the
app.
Customer Obsession
Focus relentlessly on what is best for the customer and the
organization.
Get 4% discount sa bawat reload — for all networks!
Example: P100 load = Pay P96 only!
Enjoy 5% rebate for your payments via QR scan!
*5% of total purchase, up to P300 max. Valid to new
customers within 30 days from sign date only.
CORPORATE NAME: HC CONSUMER FINANCE PHILIPPINES, INC.