Frequently Asked Questions

We have a lot of payments channels that you can choose from. Should you wish to post your payment in your account real-time, you can make payments thru Gcash, USSC, Palawan Express, Bayad Center, Robinsons, LBC, 7-11/ECPAY, Mlhuillier, Cebuana Lhuillier. You may also pay via SM Bills payment wherein payment is being posted within 24-48hours.

We have a lot of payments channels that you can choose from where we accept cash and online payments.

• For cash payments, we have real-time you may pay through Gcash, USSC, Palawan Express, Bayad Center, Robinsons, and LBC, 7-11/ECPAY, Mlhuillier, Cebuana Lhuillier and SM Bills payment.
• Cash and/or Online Payments can be paid thru RCBC Commercial Banks via their websites.

Transaction fees are minimal charges from our payment partners. For real-time payment posting partners like Palawan Express, GCash, USSC, Bayad Center, Cebuana, MLhuilier and ECPay branches, transaction fee is P15.00. For SM Bills pamynet transaction fee is Php13.

There are no hidden charges. All payments and fees are included in the disclosure form.

Yes, anyone can pay on your behalf as long as they have your loan account number and account name.

Home Credit/HC Consumer Finance

No

No for now, we only accept cash payments through internet banking payments and our payment channels.

You will receive a notification SMS as a receipt of your payment within 48 hours. You may view your posted payments conveniently using our My Payments web portal or My Home Credit App.

No, we only accept cash payments through internet banking payments and our payment channels.

Your payment schedule, which includes the monthly dues for each installment of your loan, may be viewed conveniently via our My Home Credit App which can be downloaded in Google playstore or through My Payments portal in our website www.homecredit.ph

We have payment partners that are real time posting. You may pay via Gcash, USSC, Palawan Express, Bayad Center, Robinsons, LBC, 7-11/ECPAY, Mlhuillier and Cebuana Lhuillier. Once payment has been made, you will receive a payment notification via SMS. We also have other payment partners like SM business center wherein payments are being posted with 24 – 48 hours. You may track all your payment transactions via My Home Credit App which can be downloaded in Google playstore or through My Payments portal in our website www.homecredit.ph.

We have Full Early Repayment and Partial Early Repayment options that can facilitate an adjustment on your interest. If you are interested, please feel free to chat or call with us so we could assist you further.

• Loan Account Number
• Full Name
• Reason for ADA Cancellation

The following penalties are implemented for reaching specific days of delinquency, as indicated in your contract:

• Any time after your due date: + Php 200
• 30 days past due: + Php 400
• 60 days past due: + Php 600
• 90 days past due: + Php 800

Note: Penalties and charges add up separately on top of your unpaid installment/s.

• Loan Account NUMBER
• CLIENT’S COMPLETE NAME
• PAYMENT DATE
• ACCOUNT HOLDER’S NAME (must be same as Client’s Name)
• BANK (where the overpayment will be deposited)
• BANK ACCOUNT NUMBER (must be savings account not payroll/cash card accounts)
• AMOUNT TO BE DEPOSITED (overpayment amount)
• PROOF OF PAYMENT (receipt/ online banking confirmation)
• BANK ADDRESS

**Some banks may have charges for processing the request.

If you have no bank account, you have to send a signed letter of authorization stating where the refund should be deposited to. This letter is to be sent by MAIL: Attention to Incoming Payments to 11th Floor Vertis North Corporate Tower 1 Diliman Quezon City containing the following details:

• Loan Account Number
• Client’s Complete Name
• Payment Date
• Bank Accountholders Name (where the refund should be deposited to)
• Bank ( i.e. BDO, BPI..etc ) – where the overpayment should be deposited
• Bank Branch
• Bank Account Number ( not the card number showing on their ATM card,must be savings account not payroll/cash card accounts)
• Requested refund Amount – ( overpayment amount )
• Relationship to the Bank Accountholder
• Photocopy of valid government issued ID of Client and bank accountholder
• PROOF OF PAYMENT (receipt/ online banking confirmation)

Note: Letter MUST be signed by both Client and Bank Accountholder
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Please be also advised that if in case the refund amount has a bank charge ranging from Php 10 – Php 100, this will be deducted on your overpayment refund amount.

1. Correct Loan Account number – where the payment should be posted on
2. Incorrect Loan Account number – where the payment was mistakenly posted
3. Relationship to the owner of Wrong Account Number – Relatives/Friends
4. Date of payment
5. Amount Paid
6. Payment Channel – where client made the payment
7. Proof of payment – scanned copy of payment slip/receipt

You may check future promotions that a client is eligible at in Home Credit App. Client may also received email and SMS notification should they’ll be qualified to other promotions