Enjoy hassle-free payment with our online payment gateway.

Enjoy hassle-free payment with our online payment gateway.

Paying for your Home Credit Loan installments? Now you can pay whenever, wherever! You can now pay with:

bpi-image unionbank-image
bpi-image bpi-image

Enter Loan Details to begin

* Birth date of the loan account holder must be provided.
* Provide your most active mobile number
* Amount to pay must not be lower than PHP 50.00
By checking the box, you agree to the Privacy Policy of Home Credit Philippines.
* Payments made online reflects on our system in a span of minutes. You will receive an SMS notification once we receive your payments.

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Frequently Asked Questions

Frequently Asked Questions

Who can use the Pay Online feature in the Home Credit Website and My Home Credit app?

Home Credit Website

All Home Credit customers with an existing account or loan such as commodity loan, cash loan, or credit card can pay online through the My Home Credit app provided that they have a registered account in My Home credit app, a local debit card with Visa or Mastercard logo, or an active online account with Unionbank, and BPI.

My Home Credit App

All Home Credit customers with an existing account or loan such as commodity loan or cash loan, can pay online through the My Home Credit app provided that they have a registered account in My Home credit app, a local debit card with Visa or Mastercard logo, or an active online account.

How do I make a payment in the Home Credit Website and in My Home Credit app?

You can make your payment by using your most updated version of My Home Credit app. Just follow these easy steps:

  1. Click the "Pay" button in your My Account dashboard.
  2. Select Pay Online button
  3. Enter the amount you want to pay.
  4. Select payment option:
    • Local Debit Cards (Visa/Mastercard)
      • 1. Click Add Card and enter your correct card details then save
      • 2. Check the loan details and provide authorization by clicking Confirm Payment button
    • Over-the-counter: You may also pay through our payment partner stores. Select your preferred partner store and read the instructions on how to pay over-the-counter.
  5. The transaction receipt will be available once payment is successful.

Note: Payments made via My Home Credit app may take 24-48 hours before it will reflect on our System. You will receive an SMS once we received your payment.

What are the requirements when I pay for my HC loan using the Pay Now feature in the web and My Home Credit app?

You must have the most updated version of My Home Credit app and be ready with your 10-digit Loan Account No. and correct details for your online bank account or local Visa/Mastercard debit card.

How do I know if the payment is successful?

You will see the transaction receipt and receive an SMS once your payment is posted in our system. You may also check the details of your payment in Payment Schedule of your My Account dashboard.

Is there a minimum amount needed to make payment?

Yes, the minimum amount to pay is P50.00. You can pay lower or higher than your monthly installment or minimum amount due but not below P50.00.

Is there any processing fee when paying online?

There is a processing fee of PHP 15.00 per transaction. For BPI and Unionbank customers, it is free of charge until January 31, 2022. We will communicate the fee for each bank by then.

Are there any penalties or late charges when I pay for my loans past due?

Penalties and late charges incurred between March 17 to May 31 only will be waived in support of Bayanihan to Heal as One Act. Otherwise, there is a late fee for payments made past the due date. There are also penalty charges depending on how long the account is past due. You can check your contract for the schedule of penalty charges.

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

Payments may take up to 48 hours before it reflects on your account. If it is still not showing by then, email us your 10-digit Loan Account No., transaction number,amount paid, payment channel where payment has been made and date of payment to info@homecredit.ph.

What are the possible reasons why my payment will be rejected?

Your payment might be rejected if your online bank has insufficient balance, is not valid, or is already closed.

What should I do if my payment gets rejected?

Please take a screenshot of the error and send an e-mail to info@homecredit.ph together with your 10-digit Loan Account No.

What if my online bank or wallet account is not in the list of payment options?

We offer you a lot of ways to pay your loan. You can check other payment options in our website at https://homecredit.ph/payments/