Your Qwarta enables you buy load, pay bills, and shop on credit through the My Home Credit App!

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!

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.

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.

You can buy load and pay bills all in the My Home Credit App. You can also use our scan-to-pay feature to shop at any one of our partner merchants.

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.

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

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.

You can buy load and scan-to-pay with 5% rebate and pay bills to over 200+ billers nationwide with no extra charge, all in the My Home Credit App.

Your Qwarta account will activate in a few months from your contract signing date. To avoid activation delay, just make sure to pay for your commodity loan on or before its due date.

Thank you for your transaction! Kindly expect your transaction to be reflected within 3 business days.