Mas convenient na ang everyday transactions mo with your Qwarta!

Get 5% discount on load at Globe, Smart and other networks!

Mas sulit ang pera mo!

Pay your bills with no extra cost!

Settle your bills conveniently using your phone!

What is Qwarta?

Get 5% discount on load at all networks. Mas sulit ang pera mo!

Pay your bills with no additional fee. Contactless na, free of charge pa!

Check balances & transactions realtime

Help Center

Pay Bills and Buy Load

Get a loan and enjoy Qwarta instant approval of up to 10,000 spending limit!

You can receive a Home Credit Qwarta when you avail for a gadget, appliance, furniture, or any commodity
loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

You can receive a Home Credit Qwarta when you avail for a gadget, appliance, furniture, or any commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

Choose any of our partner stores nationwide

Approach our Sales Associate at the
store and inquire about the commodity loan and Qwarta

Our Sales Associate will process your
commodity loan application and you can also get a Qwarta offer *Applications are subject for approval

Learn More

Find out more information about our credit card details by exploring these documents.

Qwarta Terms and Conditions

Fees and Charges

Frequently Asked Questions

Frequently Asked Questions

What is Qwarta?

Your Qwarta enables you to do basic transactions on your mobile phone through the My Home Credit App.

How do I compute for my interest fees?

Compute for your interest fees any time in one easy step. Multiply your transaction amount by the daily interest rate (0.13%) and the number of days it was borrowed. Easy!

When should I pay my balance?

You can pay any amount from your transactions at any time. The more and the earlier you pay, the more you save on interest fees. Meanwhile, please pay for at least your minimum amount due every due date which comes 10 days after your billing date time to avoid penalty fees and your Qwarta from being blocked.

What are the fees and charges I should know about?

Interest fees are charged daily starting the day after each transaction is made while penalty fees are charged for every missed due date starting at P200 for the first missed due date and increases by P100 for every consecutively missed due date/s thereafter. Please pay for at least your minimum amount due every due date which comes 10 days after your billing date time to avoid penalty fees and your Qwarta from being blocked.

Where can I use my Qwarta?

You can buy load credits of any mobile network or prepaid utility servicepay with 5% rebate and pay bills to over 200+ billers nationwide with no extra charge, all in the My Home Credit App.

What will happen if I pay only a partial amount?

If you fail to pay for at least your minimum amount due on or before your due date, the account will incur late penalty fees starting at P200 for the first missed due date and increases by P100 for every consecutively missed due date/s thereafter. Meanwhile, your transactions will incur interest fees daily until they are fully paid.

Can my limit increase?

Absolutely! Maintain a good credit standing with your other Home Credit loan/s to improve your chances of increasing your Qwarta spending limits.

How can I apply for a Home Credit Qwarta?

You can receive a Home Credit Qwarta offer when you avail for a gadget, appliance, furniture or any commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.
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