Upgrade to your dream home with Home Credit!
Take home the latest furniture at low monthly installments today! Apply now and get approved in as fast as 1 minute!
Upgrade to your dream home with Home Credit!
Take home the latest furniture at low monthly installments today! Apply now and get approved in as fast as 1 minute!
Getting a new product?
Check your eligibility for free by answering these easy questions.
Product Details 
Find a store 
How to apply
Requirements
Safety guarantee
FAQ
Promo details and mechanics
| Commodities | Offer is exclusively available for selected Mobile phones, Tablets, Phone Accessories, Laptops, Computers, Furniture, Home Appliances, Electronics, Sporting Goods and Hardware Tools |
| Loan Term | 6, 9 and 12 months for mobile phones and 6, 9, 12, 15 and 18 months for non-mobile items |
| Availability | This special offer is currently available in select Home Credit partner stores |
| Cash-out |
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| Bundles | Up to three different commodities per loan contract |
| Terms & Conditions | Download our full Terms & Conditions |
Find the nearest partner store
Apply for the loan in selected partner stores in the Philippines
How to get a loan
It's easy to get a loan approved, just follow the simple steps described below.
1. Grab the offer
Fill out the form on this page to calculate your loan and check your eligibility together with all instructions via e-mail.
Grab this offer now!
2. Shop at our partner stores
Visit any of our partner stores and bring at least 2 valid IDs with you. Choose the goods you want to buy. Our sales agent will assist you.
Locate nearest partner store
3. Get approved & enjoy
Your loan approval will take approximately 1 minute. Once approved, pay only the down payment take home your goods and enjoy it!
Check all requirements
4. Pay monthly installments
The remaining cost of your goods will be split into monthly installments. There's many payment options you can choose from.
See payment options
5. We are here for you
Feel free to contact us any time if you have any questions or need a help with your loan. Our customer service is here for you.
Contact usLoans requirements
Not sure if you're eligible to get a loan? Check these basic requirements before you go shopping!
Who can apply?
A Filipino citizen
Only Filipino citizens are eligible to apply
Age of 18 - 68
Right in productive age? Apply today!
Stable income
Employed (at least 3 months), self-employed, businessman, pensioner or receiving regular remittance
What documents to bring?
Bring 2 valid IDs
You only need to bring at least 2 valid IDs. At least 1 must be a primary ID. At least 1 must contain your current address.
Primary IDs:
SSS, PRC, Driver's license, Voter's ID, Passport, UMID
Secondary IDs:
Bank account statement, Brgy. Certificate/Clearance, Certificate of Employment, Credit/Saving Card, Company ID, Electric bill, Mobile phone bill, Water bill, PAGIBIG/HDMF ID, PhilHealth Card, Phone bill, Postal ID, Remittance Slip, Salary Slip, TIN, NBI Clearance
Safety guarantee
Enjoy full transparency in our products and best in class service. Best of all, Home Credit supports you and provides solutions whatever happens throughout the term of the loan.
When applying for a loan
No Hidden Charges
We offer full transparency on our products. That means no hidden charges and all information about the loan is disclosed up front.
Tailor-fit plans
We can tailor-fit installment plans to match your needs! Just make sure all of your information is correct and up to date during application.
Easy, Simple, Fast
Our requirements are easy, applying is simple and approvals are fast.
Full Transparency
We will be happy to answer all of your questions and explain the loan conditions in detail.
When maintaining our relationship
Helpful Reminders
To help you pay on time and avoid late payment penalties, we'll be sending polite reminders about your due date.
Accessible Information
You can check your loan details anytime through the My Payment portal on Home Credit website.
Fair Partnership
We value you and treat you fairly. In return, we ask only that you pay your installments on time and be open with us so we can help you out if there's a need.
Contact us anytime
You can get in touch with is via our call center, email or Facebook. Please update us on changes in your contact details.
In case of unexpected events
Payment assistance
In case of difficult life situations, we can consider waiving penalties and offering repayment solutions for you.
And if you are unsatisfied with our services
Full Repayment without Fees
If you aren't completely satisfied with our service, you have the option of repaying your loan in full without any fees within the first 15 days upon signing the contract.
Frequently asked questions
Find answers to all your questions about our loans and financing!
We offer non-cash consumer loans through in-store financing. If you want to buy products such as cellphones, computers, tablets, laptops, home appliances and musical instruments we can help finance your purchase which you can repay through easy, monthly installments. More details about our loans
Applying for our loan is done physically at the store of our retail partners. How can I get a loan?
Home Credit currently finances: Gadgets (such as mobile phones, tablets and laptops) Home Appliances Electronics (such as TVs, HIFI and Cameras) Furniture Musical instruments
You can find us in more than 3,500 stores. Check your favorite stores in our store locator. Find partner stores
We are partnered with major retailers that carry a wide range of brands for the items you can purchase with a Home Credit loan. However, brand availability varies per store. We recommend that you inquire directly with our partner retailers to make sure that the item you want is available in their stores. Check available brands
Interest varies depending on various factors such as the price of the item you want to buy, the down payment you can afford and your chosen payment terms. Our Sales Agent at the store will be able to help you select a payment plan with monthly installments within your reach. You can also use your Loan Calculator to have an idea of how much your monthly installments will be. Calculate your loan
Aside from the flexible down payment, you only need to pay a minimal processing fee equivalent to 3% of the financed amount.
Our approval process usually completed within 1 minute after completing the application form with our Sales Agent. This is designed to make sure approved customers get to bring home their new purchases within the same day!
We recommend that you pay the highest down payment you can provide, for lighter monthly installments. For more information, you can approach our Sales Agent at our partner stores. Calculate your loan
Loan period varies but generally it is between 6 – 24 months. Just visit our Products and Promos page for information on these additional services. More details about our loans
Home Credit is a financial service that provides the fund for purchase of various items but not the good itself. For defective items under warranty, customers may coordinate directly with the store where they purchased the item.
Yes, you can check your payment information online whenever you need. Check my payments
Please try to apply again in 3 months.
To ensure your utmost convenience and avoid penalties and charges, we have partner payment channels available nationwide, 24/7 even on holidays. More details about payment methods
Yes, we offer loan insurance to help you be ready for any eventuality. For the other details we refer customer to SA. You may ask our Sales Agents for addition of insurance coverage to your loan.
We offer non-cash consumer loans through in-store financing. If you want to buy products such as cellphones, computers, tablets, laptops, home appliances and musical instruments we can help finance your purchase which you can repay through easy, monthly installments. More details about our loans
Applying for our loan is done physically at the store of our retail partners. How can I get a loan?
Home Credit currently finances: Gadgets (such as mobile phones, tablets and laptops) Home Appliances Electronics (such as TVs, HIFI and Cameras) Furniture Musical instruments
You can find us in more than 3,500 stores. Check your favorite stores in our store locator. Find partner stores
We are partnered with major retailers that carry a wide range of brands for the items you can purchase with a Home Credit loan. However, brand availability varies per store. We recommend that you inquire directly with our partner retailers to make sure that the item you want is available in their stores. Check available brands
Interest varies depending on various factors such as the price of the item you want to buy, the down payment you can afford and your chosen payment terms. Our Sales Agent at the store will be able to help you select a payment plan with monthly installments within your reach. You can also use your Loan Calculator to have an idea of how much your monthly installments will be. Calculate your loan
Aside from the flexible down payment, you only need to pay a minimal processing fee equivalent to 3% of the financed amount.
Our approval process usually completed within 1 minute after completing the application form with our Sales Agent. This is designed to make sure approved customers get to bring home their new purchases within the same day!
We recommend that you pay the highest down payment you can provide, for lighter monthly installments. For more information, you can approach our Sales Agent at our partner stores. Calculate your loan
Loan period varies but generally it is between 6 – 24 months. Just visit our Products and Promos page for information on these additional services. More details about our loans
Home Credit is a financial service that provides the fund for purchase of various items but not the good itself. For defective items under warranty, customers may coordinate directly with the store where they purchased the item.
Yes, you can check your payment information online whenever you need. Check my payments
Please try to apply again in 3 months.
To ensure your utmost convenience and avoid penalties and charges, we have partner payment channels available nationwide, 24/7 even on holidays. More details about payment methods
Yes, we offer loan insurance to help you be ready for any eventuality. For the other details we refer customer to SA. You may ask our Sales Agents for addition of insurance coverage to your loan.