Our online Auto-debit arrangement is currently available for My Home Credit app users only.

Our online Auto-debit arrangement is currently available for My Home Credit app users only.

Enjoy your ADA with My Home Credit App

Enjoy your ADA with
My Home Credit App

How to Enroll your Bank Account to Auto Debit Arrangement with My Home Credit App

How to Enroll your Bank Account to Auto Debit Arrangement with My Home Credit App

No Android app? No worries

No Android app? No worries

You can still enjoy hassle-free payment by Manually enrolling your Home Credit Loan installment to auto debit Arrangement using any of your bank account from our trusted partners.

You can still enjoy hassle-free payment by Manually enrolling your Home Credit Loan installment to auto debit Arrangement using any of your bank account from our trusted partners.

Frequently Asked Questions

Frequently Asked Questions

Who can enroll to auto debit payments via the My Home Credit app?

All Home Credit customers with an existing account or loan can enroll to auto debit payments thru the latest version of the My Home Credit app (v8.15). You just need to register your account(s) and your local debit card with a VISA or a Mastercard logo.

How do I set up auto debit payments via the app?

Setting up auto debit payments via the My Home Credit app is easy! Just make sure your app version is 8.15 and up.

  1. Click the "Pay" button in your My Account dashboard.
  2. Select "Auto Debit Arrangement" and tap "Set up now"
  3. Select Debit Cards Auto Debit under “What accounts to enroll”
  4. Click Add Card. Read the instructions on how auto debit works and the terms and conditions, and tap “Continue” if you agree to what you have read and proceed to next steps.
  5. Enter card details then click "Save"
  6. Enter the OTP received via SMS
  7. Check all the details are accurate, then press “Confirm and Enroll”.
  8. You will see a confirmation message once your enrollment is successful, or a different message if it isn’t.

What do I need to set up auto debit payments with my debit card via the My Home Credit app?

All you need is to download the latest version of the app (v8.15 and up) and be ready with the details of your local VISA/Mastercard debit card.

Can I use my credit card to set up auto debit payments via the My Home Credit app?

No, only debit cards can be enrolled to auto debit payments. If you enroll your credit card to auto debit payments, your details will be saved but auto debit will not push through.

How will I know if my enrollment is successful?

You will see a confirmation message as soon as you’ve completed the steps.

What are possible reasons that my enrollment will be rejected?

Either you have entered incorrect details, or you used a debit card that isn’t a VISA or a Mastercard.

Is there any processing fee for Auto-debit arrangement using debit cards?

We will not charge a processing fee of 3.8% for all customers who will set-up Auto-Debit Arrangement in HC App until January 31, 2022. After January 31, 2022, applicable fees will be charges on client’s account: 3.8% of the gross transaction amount

When are you deducting my monthly installment in my account?

If enrollment was done before the recommended due date, debiting will take effect immediately.

Example:

Due Date: September 24, 2020

Recommended Due Date: September 21, 2020

Enrollment date: September 20, 2020

Debiting date: September 21, 2020

If enrollment was done on or after the recommended due date, debiting will take effect on the next recommended payment date.

Example:

Due Date: September 24, 2020

Recommended Due Date: September 21, 2020

Enrollment date: September 21, 2020 - October 20, 2020

Debiting date: October 21, 2020

What should I do if my payment wasn't posted but my account balance was debited/deducted?

Payments will reflect on your account real-time. You will receive an SMS notification once your payment has been posted on our system and in your My Home Credit App. If it is still not showing by then, you may email us your 10-digit Loan Account No. and loan account name to info@homecredit.ph for us to further investigate your concern.

What should I do if my enrollment gets rejected?

You may want to contact your issuing bank to know what’s causing it.

You may also want to try our other payment channels like Palawan Express, USSC, Ecashpay, Touchpay and RD Pawnshop. For a full list of our payment channels, please visit this link https://homecredit.ph/payments/.

What if my online bank account is not in the list of payment options (not Visa/Mastercard)?

We offer you a lot of ways to pay your loan. You can also use other online payment options like Palawan Express, USSC, Ecashpay, Touchpay and RD Pawnshop.

Can I cancel my subscription to Auto-debit arrangement?

Yes, you can cancel your subscription to Auto Debit Arrangement given that you atleast have 2 monthly installment remaining. You also need to request at least a day before your recommended payment date via our Customer Service team.

If I were to cancel my auto debit payments, will this take effect immediately?

If request was made before the recommended due date, cancellation will take effect immediately.

Example:

Due Date: September 24, 2020

Recommended Due Date: September 21, 2020

Cancellation request date: September 20, 2020

Effectivity date: September 21, 2020

If request was made on or after the recommended due date, cancellation will take effect on the next recommended payment date.

Example:

Due Date: September 24, 2020

Recommended Due Date: September 21, 2020

Cancellation request date: September 21, 2020 - October 20, 2020

Effectivity date: October 21, 2020

How and where to pay​

Use any of these payment methods to pay your installments

Enroll to Auto Debit Arrangement

Forgot your due date and got charged late fee? Hate walking over to a payment center, and pay an additional transaction fee when paying for you Home credit payments? Time to say Never again!

Enroll your BDO, BPI, Metrobank, Security Bank, RCBC, PNB or Union Bank account to auto-debit arrangement.

Learn More

Enroll to Auto Debit Arrangement using Visa/Master Debit Card

Want a convenient payment method using your debit card? We got you! You can enroll your Home Credit loans to Auto Debit Arrangement through your My Home Credit App using any Mastercard or Visa debit card.

Learn More

Pay Online

Looking for ways to conveniently pay for your Home Credit account? We got you! You can pay your Home Credit Card and loan through our website using any Mastercard or Visa debit card, Bancnet ATM card, UnionBank, and BPI account.

Learn More

Pay Over-the-Counter

Pay your loan amount due offline through or payment partner stores nationwide. Due to Covid-19, Check the updated schedule of your payment partners here.

Learn More Learn More

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