My Home Credit (OLD)
4.7star
533K reviews
10M+
Downloads
Everyone
info
About this app
My Home Credit App: Shop Now, Pay Later on Installments
The Handy Financing App
This all-in-one app lets you shop now and spread payments over time for gadgets, appliances, furniture, and more! Apply for flexible financing plans directly in the app, with approvals as fast as 1 minute.
Shop Online and In-Store
Browse a marketplace of products you can buy using the app and pick them up at convenient locations near you.
Easy Repayments
Manage your installments and choose from various payment options - online partners, over-the-counter channels, or auto-debit for debit and credit cards.
Beyond Shopping
The app offers additional features for everyday needs:
• Buy mobile top-up for major carriers.
• Pay bills from over 250 billers.
• Scan and pay at stores using QR codes.
• Top up your e-wallet for online shopping.
• Book flights with a travel partner.
The Installment App With A Credit Card
Enjoy flexible installment deals using your very own Home Credit Card! Then, track your online shopping and keep your card secure with your trusted installment app.
The App With P150,000 in Cash Loans
Borrow up to P150,000 in cash that you can repay within 6 to 60 months, starting at 18% up to 96% Annual Percentage Rate (APR). Only one ID is needed to apply, and cash can be claimed in as fast as one minute.
Interest Rate*
Minimum – 1.49% per month; 18% p.a
Maximum – 7.99% per month (only for cash loan terms 6 months and above); 96% p.a
*Actual interest rates vary per customer
Processing Fee: Fixed at Php 500 (automatically deducted from disbursed cash loan proceeds)
Cash Barrowed Amount and Installment Term
Cash Barrowed Amount – From PHP 3,000 to PHP 150,000
Cash Installment Term – From 6 months up to 60 months
Sample Calculation
Barrowed Amount: PHP 15,000
Installment Term: 12 months
Interest Rate: 1.49%
Loan Processing Fee – PHP 500 (fixed amount)
Monthly Installment: PHP 1,374
Total Cash Loan Cost: PHP 16,492
How we protect your privacy
We are committed to your privacy at home or wherever you are. We comply with the Data Privacy Act of 2012 to ensure privacy in our processes. Visit our website (https://homecredit.ph/privacy-policy/) to learn more. The My Home Credit app may request permissions such as location, emails, messages, phone calls, camera, calendar and contacts, which we use to prevent loan fraud and determine creditworthiness. You can deactivate these permissions after submitting a loan application, but it may affect certain features.
HC CONSUMER FINANCE PHILIPPINES, INC.
Doing business under the name and style of HOME CREDIT
SEC Reg. Number: CS201301354
Certificate of Authority Number 1071 issued 07 April 2017
Please read carefully the terms and conditions before proceeding with a loan transaction.
The Handy Financing App
This all-in-one app lets you shop now and spread payments over time for gadgets, appliances, furniture, and more! Apply for flexible financing plans directly in the app, with approvals as fast as 1 minute.
Shop Online and In-Store
Browse a marketplace of products you can buy using the app and pick them up at convenient locations near you.
Easy Repayments
Manage your installments and choose from various payment options - online partners, over-the-counter channels, or auto-debit for debit and credit cards.
Beyond Shopping
The app offers additional features for everyday needs:
• Buy mobile top-up for major carriers.
• Pay bills from over 250 billers.
• Scan and pay at stores using QR codes.
• Top up your e-wallet for online shopping.
• Book flights with a travel partner.
The Installment App With A Credit Card
Enjoy flexible installment deals using your very own Home Credit Card! Then, track your online shopping and keep your card secure with your trusted installment app.
The App With P150,000 in Cash Loans
Borrow up to P150,000 in cash that you can repay within 6 to 60 months, starting at 18% up to 96% Annual Percentage Rate (APR). Only one ID is needed to apply, and cash can be claimed in as fast as one minute.
Interest Rate*
Minimum – 1.49% per month; 18% p.a
Maximum – 7.99% per month (only for cash loan terms 6 months and above); 96% p.a
*Actual interest rates vary per customer
Processing Fee: Fixed at Php 500 (automatically deducted from disbursed cash loan proceeds)
Cash Barrowed Amount and Installment Term
Cash Barrowed Amount – From PHP 3,000 to PHP 150,000
Cash Installment Term – From 6 months up to 60 months
Sample Calculation
Barrowed Amount: PHP 15,000
Installment Term: 12 months
Interest Rate: 1.49%
Loan Processing Fee – PHP 500 (fixed amount)
Monthly Installment: PHP 1,374
Total Cash Loan Cost: PHP 16,492
How we protect your privacy
We are committed to your privacy at home or wherever you are. We comply with the Data Privacy Act of 2012 to ensure privacy in our processes. Visit our website (https://homecredit.ph/privacy-policy/) to learn more. The My Home Credit app may request permissions such as location, emails, messages, phone calls, camera, calendar and contacts, which we use to prevent loan fraud and determine creditworthiness. You can deactivate these permissions after submitting a loan application, but it may affect certain features.
HC CONSUMER FINANCE PHILIPPINES, INC.
Doing business under the name and style of HOME CREDIT
SEC Reg. Number: CS201301354
Certificate of Authority Number 1071 issued 07 April 2017
Please read carefully the terms and conditions before proceeding with a loan transaction.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 9 others
Data is encrypted in transit
You can request that data be deleted
Ratings and reviews
4.7
526K reviews
Maverick Anthony Despabiladeras
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March 7, 2024
Please fix your app. Encounters, when filtering it won't filter in some choices like apple. Sometimes it show up. When opening the product simetimes got lag and loading only. Please fix pictures view also, you will see in the pic like 1/16 but only 1 pic can view and cant scroll. Its only me or your app has issue ? Btw, Please make comparison tab also so we can compare the two product before availing the plan. Thank you
256 people found this review helpful
HC CONSUMER FINANCE PHILIPPINES, INC.
March 8, 2024
We'd like to help, Maverick. Kindly follow these trouble shooting steps: Go to Settings in your phone, Click on Apps, Click on HC apps, Go to storage, clear data, and then hit "ok" & After you do so, the data should reset to 0.00 B. Kindly re-install the app with new version (9.34.1). If error persists, DM us in FB via bit.ly/HCFBChat.
Mishelley
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February 19, 2024
No option to pay through credit card! Enrolling a debit card is such a hassle, and why would I go out to pay???? Awful service, very awful! You are getting a big chunk of interest from your borrowers and you can't spare money for the convenience of your clients! 🤮 Again, AWFUL! Oh! I forgot that this app is always under maintenance 🙄
30 people found this review helpful
HC CONSUMER FINANCE PHILIPPINES, INC.
February 20, 2024
Hi Mishelley, apologies for the hassle and truly we want the best Mob App experience for all of our clients. Updates are required when the app version has new features and functions. We highly recommend that you keep it updated so you can make the most out of its features. For you to be able to make the most of the app, you should update the app.
Miko
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April 26, 2024
Doesn't show the available products. And please don't tell me that the issue is within my internet connection for i have tried using both mobile data, wifi from 3 different places and still only shows a blank list. Ends up being a useless app
HC CONSUMER FINANCE PHILIPPINES, INC.
April 28, 2024
We hear you, Miko. Kindly try to re-install the app with its updated version 9.35.1. If error persists, kindly take a screenshot of the error you encountered and DM it to us on our FB page: bit.ly/HCFBChat. You may also check the deals that we offer on our website: www.shoppingmall.ph. Thank you!
What's new
Ka-HC! The hottest Summer sa Pinas is finally here in your favorite online installment lending app, My Home Credit! 0% interest deals ang naghihintay sa'yo for your dream aircon, refrigerator, and mobile gadgets with the best loan terms at abot-kayang monthly payment. We also enhance cash and product loan screens para mas convenient ang 'yong loan app journey. Exciting right? Update now to experience these 20+ enhancements and see the best deals in the new version of the My Home Credit app!
