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Frequently Asked Questions
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 BancNet, 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 with BancNet.
You can make your payment by using your most updated version of My Home Credit app. Just follow these easy steps:
- Click the “Pay” button in your My Account dashboard.
- Select Pay Online button
- Enter the amount you want to pay.
- 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
- Online BancNet Account
- 1. Login with your online bank account
- 2. Provide authorization and confirm payment
- 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.
- Local Debit Cards (Visa/Mastercard)
- 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.
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.
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.
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.
Payments made via Pay Online do not charge a processing fee until October 31, 2020. After October 31, 2020, applicable fees are as follows:
Visa/MC Debit card: 3.8% of transaction amount
BancNet: Php 15
BPI: 1.5% of gross transaction amount or Php20 (whichever is higher)
Unionbank: 1.5% of gross transaction amount or Php20 (whichever is higher)
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.
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 firstname.lastname@example.org.
Your payment might be rejected if your online bank has insufficient balance, is not valid, or is already closed.
We recommend that you contact your issuing bank to check on your account.
You can also use other online payment options like Gcash, Paymaya, BDO Online Banking, and RCBC Online Banking. You may also visit our website at https://homecredit.ph/payments/ to know how else you can pay your loan.
Please take a screenshot of the error and send an e-mail to email@example.com together with your 10-digit Loan Account No.
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/