My Home Credit App
Easiest way to get control of your loans and finances
Apply for a loan and get approved in just 1 minute
With just a few clicks and taps, find out if you are eligible for a cash loan or a product loan in an instant.
Apply for a loan and get approved in just 1 minute
With just a few clicks and taps, find out if you are eligible for a cash loan or a product loan in an instant.
Get as low as 0% interest on your new device, furniture and more.
All you need to know about your loans all in one place, right at your finger tips
Never miss a payment date
We’ll make sure to remind you 3 days before your payment due date to avoid paying extra for penalties.
Keep track of your payment progress
We’ll help you monitor how far you are from your loan completion with an easily accessible loan details and calendar.
Call for Immediate assistance
Having a hard time with your loans? We’ll make sure to keep our lines open to hear your concerns.
Be in control of your Home Credit Card
Seamless Card Activation
Activate your new home credit card using the mobile app. Wherever you are.
Monitor your transactions
Take control of your spending behaviour through an overview of your credit card transactions.
Secure the way you want it
Secure your transactions by setting your credit card password. If you lose your card, block it using the app. (Hey! You can unblock it if you find it again.)
Be in control of your Home Credit Card
Seamless Card Activation
Activate your new home credit card using the mobile app. Wherever you are.
Monitor your transactions
Take control of your spending behaviour through an overview of your credit card transactions.
Secure the way you want it
Secure your transactions by setting your credit card password. If you lose your card, block it using the app. (Hey! You can unblock it if you find it again.)
Make payments and transfers faster, simpler and secure
Scan QR codes to Pay
No need to carry your credit card or cash with you all the time. Just scan the HCPAY QR code from any merchant store to pay for your transactions.
Pay bills on the go
Cut the long lines and tiring trips just to pay for your utility bills. With the My Home Credit app, you can now pay for your bills at your own home.
Buy Loads
Buy more and pay less when you purchase Mobile, Gaming and other loads using the My Home Credit app.
Discover rewarding deals and discounts with Smile Rewards
Enjoy a wide range of privileges when you register and start using the My Home Credit app.
Discover rewarding deals and discounts with Smile Rewards
Enjoy a wide range of privileges when you register and start using the My Home Credit app.
Download the My Home Credit app on Google playstore and join the 1 million people who gained an easier way to their loans and finances.
Questions? We’re here to help
All users can use the app be it existing or new potential customers wondering if they could get a loan for either cash or commodity items.
Yes free of charge.
Currently we have two methods:
- New Customers – They must select a product on the offers which will lead them to the registration
- Approved Customers – They must using their LAN and nominate a 4-digit PIN in the process
Payments made via Pay Online do not charge a processing fee until January 31, 2021. After January 31, 2021, applicable fees are as follows:
Visa/MC Debit card: 3.8% of transaction amount
BPI: 1.5% of gross transaction amount or Php20 (whichever is higher)
Unionbank: 1.5% of gross transaction amount or Php20 (whichever is higher)