Trade to Upgrade Promo
I-trade-in na ang iyong old phone as part of your down payment for your new gadget. The trade-in amount will be based on the current condition of your phone after a careful assessment. Have the option to add more cash for a lower monthly installment.
Getting a new product?
Check your eligibility for free by answering these easy questions.
Promo details 
How to apply
Requirements
Safety guarantee
FAQ
Details and mechanics
| What is Trade to Upgrade promo? | The Trade to Upgrade promo of Home Credit is a program wherein you can use your old mobile phone as a downpayment for your new gadget loan. |
| Can any brand/unit of mobile phones will do for buyback? | We accept majority of brands and models of mobile smartphones. |
| What is the procedure in doing buyback? | Kindly approach our assigned Sales Associate in the mall nearest you to know more about our Buyback process. Please bring your old mobile phone so they can evaluate it for its value. |
| What if the phone is damaged? Can I use it for trade in? | It may be. Our Sales Associate will assess if your mobile phone can still be traded in despite of its damage. |
| What are the requirements for my device to proceed to buyback? | Your device should be working, original and your registered account that is connected to your mobile phone should be logged out. |
| Can I trade in more than one device for one unit? | We accept up to 5 old units per transaction. |
| Are the accessories included in trading my old unit? If it is included, is there a price for every accessory? | We are only assessing or allowing the trade-in for devices only. Accessories of your old device are not included in the Trade to Upgrade process. |
| Can I bid for a higher price once my phone is evaluated? | Once your old device is evaluated, we will give the final assessed price. Price is fixed. |
| What if the value of my mobile phone is not enough for my loan’s minimum downpayment? | You can add cash if the value of your mobile phone is lower than the minimum downpayment amount. |
| Commodities: | Mobile Phones |
| Loan Term: | 6, 9, 12, 15 months |
| Availability | Trade to Upgrade is available in the stores below:
Click for the list of stores. |
| Cash-out | Upon approval of application: down payment (at least 20%* of goods price) + origination fee (3% of financed amount). |
| Bundles | Up to 3 items |
| Terms & Conditions | Download our full Terms & Conditions |
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.