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.
- Click the "Pay" button in your My Account dashboard.
- Select "Auto Debit Arrangement" and tap "Set up now"
- Select Debit Cards Auto Debit under “What accounts to enroll”
- 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.
- Enter card details then click "Save"
- Enter the OTP received via SMS
- Check all the details are accurate, then press “Confirm and Enroll”.
- 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.
Is there any processing fee when enrolling in auto debit payments using my debit card?
There is a processing fee of 3% on the total amount that will be debited or deducted on your bank account per month for all new enrollments starting March 29, 2022
Can I use my credit card to set up auto debit payments via the My Home Credit app?
How will I know if my enrollment is successful?
What are possible reasons that my enrollment will be rejected?
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?
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)?
Can I cancel my subscription to Auto-debit arrangement?
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