My Home Credit
4.7star
535K 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
529K reviews
daniel adlawan
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May 6, 2024
I'm quite satisfied with the app, it's just that after they have updated my salary in my account the loan offers were gone but when I chatted with their customer service it stated that I do have product loan but isn't showing on my end. I hope it gets resolve since my app is fully updated to its latest version.
HC CONSUMER FINANCE PHILIPPINES, INC.
May 6, 2024
Hi, Daniel. Please know that the offer you received was a potential offer. Meaning, once you update the offer, it would either retain, increase, decrease, or expire. No worries, you may check the app to see if we have new offers for you. For any other concerns, DM us in FB via bit.ly/HCFBChat for further assistance.
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
265 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.
GENEVIEVE ORACOY
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May 2, 2024
This app is very easy to use and customer's service representatives are also very respectful especially those who are well trained in main offices. As for some of the trainees, they need to be respectful and pay attention to the tone. But overall, home credit's service has helped me in so many ways and the service is top tier. Thanks.
2 people found this review helpful
HC CONSUMER FINANCE PHILIPPINES, INC.
May 3, 2024
We appreciate your effort in giving us a feedback, Genevieve! It really helps us to keep going and delivering the best.
What's new
Ka-HC, i-check ang 'yong dream aircon, refrigerator, and mobile gadgets as the Hottest Summer sa Pinas is still here in the App! Additionally, mas secure na ang 'yong Qwarta experience as we update screens and process para mas madali and exciting ang 'yong journey. Also, you can now use your Visa / Mastercard again as your payment option for your transactions. Download the latest version today!
