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Home Credit Protect
Frequently asked questions regarding Home Credit Protect.
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FAQ
Topics:
TOP FAQs
BPP PLUS
DEVICE PROTECTION
APPLIANCE PROTECT
EXTENDED WARRANTY
HOME CONTENT
HC EXTRA CARE
HCProtect for devices or Device Protection is a service that offers
hassle-free repair or replacement of the device you purchased in
case of accidental and liquid breakage or cracked screen.
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You may choose from any of the available Device Protection plans: 1.
Accidental Breakage & Liquid Breakage for one (1) year or two (2)
years 2. Accidental Breakage & Liquid Breakage with Breakdown
Coverage
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HCProtect for devices or Device Protection can be availed by: 1.
Customers who availed of devices such as phone, tablet or laptop
thru Home Credit Loans within the last 14 days. 2. Customers with
devices who don’t have existing ADLD plans 3. Customers who don’t
have an existing pending loan application for Device Protection 4.
Customers who don’t have rejected loan application for Device
Protection (within the last 3 months)
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To avail HCProtect for devices: 1. Look for Device Protection under
Special Offers and tap Buy Now. 2. Click on Manage Loans & choose
the device you want to protect. 3. Click More Options then select
Device Protection 4. Choose a plan and click Buy Now 5. Enter
referral code shared by your friend or Home Credit Sales Associate
(optional) 6. Click Continue & review the purchase details 7. Click
Start Loan Application Process 8. Review your information then click
Submit Application. You’ll receive notification while your
application is being processed and once it is approved. 9. Once
approved, review the loan details and sign the loan contact
agreement using OTP that will be sent to your mobile number. 10.
When you receive a notification to activate your Device Protection,
open the message and tap Pay Now. 11. Choose to pay your via ADA,
Pay Online or Pay Over-the-Counter. 12. After paying, a notification
will be sent that your device protection is now activated.
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1. Notify our service provider, Bolttech, by: (i) registering on the
online portal at
https://homecredit.device.bolttech.ph/service-request; (ii) via
Facebook Page bolttech Device Protection Asia (Messenger), (iii)
calling via landline 02 8464 3488 / 77922681 / 77922683, toll free
1800 188 801 08, mobile 0939 405 7718 (Smart) / 0945 601 3601
(Globe) Mondays through Fridays from 9am to 5pm (including public
holidays), or (iv) send an email to homecreditcs@bolttech.ph.
Claiming instructions also provided in the certificate of coverage]
2. Submit repair request for the device within 30 calendar days from
the date when the incident occurred to Boltech, otherwise, Bolttech
reserves the right to deny the repair request.
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Borrower Protection Plan Plus (BPP Plus) is the new HCPH’s Value
Added Services. It protects customers in case of death, accidental
dismemberment and provides teleconsultation benefit. BPP Plus also
provides loan repayment assistance due to catastrophic events or
hospitalization. Plus, we are extending the coverage to eligible
family members.
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The insurance provider of Home Credit is Sun Life Grepa Financial,
Inc. and Fortune General Insurance.
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Customers who get a loan with Home Credit and are between the ages
of 18-68 years old are qualified to avail BPP and BPP Plus.
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You just need to apply for a Home Credit loan and present 2 valid
IDs as required for the loan.
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While Home Credit is the policy holder, it is the Home Credit
customer and eligible family member/s who shall be covered by BPP
Plus. In the event of a valid claim, BPP Plus will pay for the
unpaid balance of the loan while the remaining proceeds of the claim
will be paid to the nominated beneficiary of the customer. And in
case of accidental death or dismemberment, an eligible member is
qualified to file a claim, provided that the family member presents
a proof of relation to the borrower.
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Home Credit is automatically the BPP Plus beneficiary. Customers can
then nominate one family member on the first degree on consanguinity
(i.e. parents, spouse, or children) as their beneficiary. Sun Life
has the discretion to decline a claim if the relationship of the
customer with her nominated beneficiary cannot be established.
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BPP Plus is offered through our POS and Cross-sell Channels when you
avail of your loan. Our Sales Agent will be helping you with your
loan application to enroll you in BPP Plus.
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Coverage starts once your loan is approved and will end on your last
due date.
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Yes. We encourage your beneficiary or representative to submit all
the requirements to Home Credit so that we can initiate filing of
the claim. They may send requirements personally or via any courier
to: Customer Service Operations c/o Insurance Processing Team Home
Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis
North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines
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You may call the Home Credit customer service hotline to file a
claim.
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You may refer to the table below for the requirements based on your
claim: *Hard copy is needed 1. Claimant’s Statement Form (SLGFI
Form) to be accomplished by the beneficiary (spouse, if married)
both parents (if single). 2. Original/Certified True Copy of Death
Certificate with seal and issued by the Local Civil Registrar/PSA 3.
Supporting documents depending on the beneficiary/eligible
dependent/s 4. Government Issued IDs (Valid ID’s) photocopy 5. If
due to accident, Certified True Copy Complete/Final police
investigation report must be provided.
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Customer to call the Grepa Medical and Diagnostic Clinic (GMDC)
Hotline No.: SMART 0960-2684899 (Monday to Friday), GLOBE
0956-8300512 (Wednesday to Sunday) or send via email:
HCTP@sunlifegrepa.com HCTP coordinator to inquire the chief
complaints and provide schedule to the doctor via zoom.
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You may submit your complete documents personally or via courier to:
Customer Service Operations c/o Insurance Processing Team Home
Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis
North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines
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Yes, except if it is specified in the list of requirements that only
photocopies are needed.
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No. We will only be accepting original hard copies of the documents
as specified in the list of requirements.
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No. A valid claim can only be filed if the event that results in
that claim happens during the term of the loan.
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No. There are no fees and charges when processing your claim.
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Once Home Credit receives your complete documentary requirements, it
will take a maximum of 20 working days for the claim to be processed
to give time for our insurance provider to review and approve the
request.
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Home Credit will call the claimant to inform if there are additional
documents needed to process a claim.
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You may call the Home Credit customer service hotline to check on
the status of your claim and request to put a hold on payment
reminders while the claim is in process
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Device Protection is a repair or replacement service for mobile
phones, laptops, and tablets. This provides protection against the
high cost of repairs of damaged or broken devices caused by accident
or breakdown due to flaws or defects that occur from the
manufacturer’s design.
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To file a service request, the first step is to double check the
service provider’s name, if bolttech or Esquire. Provider name can
be seen on the T&C/TOS sent to the customer’s email or via My Home
Credit App. Likewise, customer may also call Home Credit customer
hotline if the said documents cannot be accessed. Knowing the who
the service provider in the first hand saves lots of time in the
process of service request verification. Next, notify the Service
Provider through any of the channels below: Bolttech a. Website:
https://homecredit.device.bolttech.ph/service-request (click Visit
Customer Portal) b. Facebook: bolttech Device Protection Asia via
Messenger(chatbot assisted) c. Mobile: 0939 405 7718 / 0945 601 3601
d. Landline: (02) 8464 3488 / (02) 7792 2681 / (02) 7792 2683 e.
Toll Free: 1800 188 801 08 f. Email: homecreditcs@bolttech.ph
Esquire a. Website: www.chubbclaims.com.ph (Esquire Claims Portal)
b. Landline: 632-88592772 c. Toll Free: 1800-10-8592772 d. Email:
HCClaims@esquire.com
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Brand new mobile phones, laptops, and tablets purchased at a Home
Credit partner-retailer store. Any brand, make or model is eligible
for Device Protection.
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Device Protection covers Accidental Damage/Breakage or Liquid
Damage/Breakage and/or extension of the manufacturer’s warranty to
one more year. A) Accidental Breakage and Liquid Breakage /
Accidental Damage and Liquid Damage (ABLB/ADLD) – covers the cost of
repair or replacement of the device due to any visible breakage or
damage during the period of service due to involuntary or external
means or an involuntary seepage of liquids inside the device. B)
Extended Warranty – covers the cost of repair or replacement due to
the device failure as a result of inherent mechanical and/or
electrical defects caused by manufacturing defects. Device
Protection also offers free pick-up and delivery of the device and
like-to-like replacement if the device is deemed to be beyond
economical repair.
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The Device Protection Fee varies depending on the price of an
eligible device. For example, the Extended Warranty coverage for a
Mobile Phone priced at Php12,000 is only Php840, already good for
one year! Aside from its low price compared to other providers, Home
Credit Device Protection is always payable in installments, so
there’s no need to worry about the burden of a full outright cash
payment. The Device Protection is already active upon downpayment
and signing of the loan contract!
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There are three types of Device Protection coverage available for
Home Credit Consumer Loan customers: 1) ADLD/ABLB 2 Years plus
Extended Warranty - ADLD/ABLB coverage for 2 years from the purchase
date - Extended Warranty for a period of 1 year effective from the
date of expiry of the original manufacturer’s Warranty Period 2)
ADLD/ABLB 1 Year plus Extended Warranty - ADLD/ABLB coverage for 1
year from the purchase date - Extended Warranty for a period of 1
year effective from the date of expiry of the original
manufacturer’s Warranty Period 3) Extended Warranty - Extended
Warranty for a period of 1 year effective from the date of expiry of
the original manufacturer’s Warranty Period
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Home Credit partners with the top global providers of Device
Protection coverage, Bolttech and Esquire. To know more about the
specific provider for a purchased Device Protection, please check
the Terms of Service provided after the Consumer Loan contract
signing.
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Device Protection can be added to a Home Credit Consumer Loan as a
value-added service during the loan application process. Just simply
inform the Sales Associate of the intent to add Device Protection
fee to the Home Credit Consumer Loan.
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There is no need to submit additional documents to avail Device
Protection bundled with a Home Credit Consumer Loan, just tell the
Sales Associate to add Device Protection to the loan. Please take
note that the usual loan application documents are required
pertaining to the Home Credit Consumer Loan.
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There is no need to manage a different payment date or pay a
separate amount for the Device Protection bundled with Home Credit
Consumer Loan. The Device Protection Fee is already included in the
Repayment Schedule for the loan. Just choose whatever payment
methods works best: pay online, enroll to Auto Debit arrangement or
pay over the counter.
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Kindly keep in mind that the Appliance Protection service period is
not co-terminus with the loan term. This means that it is possible
that the Appliance Protection coverage remains active or has ended
already after the loan has been fully paid.
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Unfortunately, payment defaults will greatly impact the status of
the Device Protection coverage. Accidents may occur anytime, so in
order to be protected 24/7, monthly installments for the loan must
always be paid on time.
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Appliance Protection is a repair or replacement service for Home
Appliance and Electronics (HA/EL). This product provides protection
against the high cost of repairs of damaged or broken home appliance
and electronics caused by accident or breakdown due to flaws or
defects that occur from the manufacturer’s design.
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Brand new Home Appliance and Electronics purchased at a Home Credit
partner-retailer store. Any brand, make or model and most types of
appliance and electronics are eligible for Appliance Protection.
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Appliance Protection provides extension of the manufacturer’s
warranty to one more year plus covers Accidental Damage/Breakage or
Liquid Damage/Breakage. A) Accidental Breakage and Liquid Breakage /
Accidental Damage and Liquid Damage (ABLB/ADLD) – covers the cost of
repair or replacement of the HA/EL due to any visible breakage or
damage during the period of service due to involuntary or external
means or an involuntary seepage of liquids inside the HA/EL. B)
Extended Warranty – covers the cost of repair or replacement due to
the HA/EL failure as a result of inherent mechanical and/or
electrical defects caused by manufacturing defects. Appliance
Protection also offers free pick-up and delivery of the HA/EL and
like-to-like replacement if the HA/EL is deemed to be beyond
economical repair.
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Home Credit partners with one of the top global providers of
Appliance Protection coverage, Esquire. For more details on the
provider of the purchased Appliance Protection, please check the
Terms and Conditions (T&C) provided after the Consumer Loan contract
signing.
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There are three types of Appliance Protection coverage available for
Home Credit Consumer Loan customers: 1) Extended Warranty plus
ADLD/ABLB 2 Years - ADLD/ABLB coverage for 2 years from the purchase
date - Extended Warranty for a period of 1 year effective from the
date of expiry of the original manufacturer’s Warranty Period 2)
Extended Warranty plus ADLD/ABLB 1 Year - ADLD/ABLB coverage for 1
year from the purchase date - Extended Warranty for a period of 1
year effective from the date of expiry of the original
manufacturer’s Warranty Period 3) Extended Warranty - Extended
Warranty for a period of 1 year effective from the date of expiry of
the original manufacturer’s Warranty Period
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The Appliance Protection Fee varies depending on the price of an
eligible HA/EL. For example, the Extended Warranty coverage for a
Television priced at Php18,000 is only Php1,620, already good for
one year! Aside from its low price compared to other providers, Home
Credit Appliance Protection is always payable in installments, so
there’s no need to worry about the burden of a full outright cash
payment. The Appliance Protection is already active upon downpayment
and signing of the loan contract!
Was this helpful?
Appliance Protection can be added to a Home Credit Consumer Loan as
a value-added service during the loan application process. Just
simply inform the Sales Associate of the intent to add Appliance
Protection fee to the Home Credit Consumer Loan.
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There is no need to submit additional documents to avail Appliance
Protection bundled with a Home Credit Consumer Loan, just tell the
Sales Associate to add Appliance Protection to the loan. Please take
note that the usual loan application documents are required
pertaining to the Home Credit Consumer Loan.
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There is no need to manage a different payment date or pay a
separate amount for the Appliance Protection bundled with Home
Credit Consumer Loan. The Appliance Protection Fee is already
included in the Repayment Schedule for the loan. Just choose
whatever payment methods works best: pay online, enroll to Auto
Debit arrangement or pay over the counter.
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Warranty extension is a program provided by LEX Services, Inc. in
cooperation with various appliance or gadget dealers, whereby the
customers who bought an eligible appliance or gadget can purchase a
warranty extension contract for the said appliance or gadget, which
will extend its warranty for additional years. The coverage of the
warranty extension is the same as the original manufacturer's
warranty. (Please see Terms and Conditions in the contract.)
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You should contact LEX first before going to the store or service
center. You may get in touch with LEX through the following:
LANDLINE: +63 2 8254 7616 EMAIL: claims@lexservices.ph MOBILE PHONE:
Smart: +63 918 990 3487 Globe: +63 956 409 1953
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You should provide your LEX Contract Number, your (the Customer’s)
full name, and your (the Customer’s) Contact Number to LEX Customer
Service. You may be required to present a copy of your LEX Contract,
sales invoice, and, for online purchases, the airway bill.
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Warranty extension is only available for selected products and
brands that are eligible for the program.
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Maximum coverage is equivalent to the Appliance/Gadget Purchase
Price
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Maximum coverage is equivalent to the Appliance/Gadget Purchase
Price
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Yes, LEX EW is transferrable during the extended warranty period in
case the customer re-sells the appliance/gadget to another person.
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It provides for indemnification for loss/damages of contents inside
the residence up to P50,000 due to: Fire and Lightning, Flood,
Typhoon, Earthquake, Robbery/Burglary Riot, Strike, Malicious
Damage, Smoke Damage, Falling Debris. It also has additional
benefits • Rental Expense Reimbursement in case of Fire occurrence
up to Php50,000 • damage cover • Fire Fighting Expense – Php10,000 •
Temporary Removal – Php10,000
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Claims must be submitted within 30 calendar days from the date when
the incident occurred. Otherwise, BPI-MSI reserves the right to deny
the claims request. - Notify BPI-MSI (provider) by: (i) emailing
bpimsclaims@bpi.com.ph or (ii) calling their hotline 8840-9000
Mondays through Fridays from 9am to 5pm (including public holidays).
[Claiming instructions also provided in their certificate of
coverage]
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Home Content can be added to a Home Credit Consumer Loan as a
value-added service during the loan application process. Just simply
inform the Sales Associate of the intent to add Home Content to the
Home Credit Consumer Loan.
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The total premium is P1,188 and monthly payment will be divided by
the term of the loan.
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Product for loan and repayment that can help the customers when it
comes to the flexibility in managing payments especially during
unforeseen events. HC Extra Care includes the following services:
1.Early Repayment - Partial Early Repayment (PER) - Full Early
Repayment (FER) 2.Payment Holiday 3.Change in Due Date
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Yes
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Yes, since the add-on fee will be paid with the monthly installment.
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HC Extra Care validity is valid while the loan contract exist. It is
applicable to a specific contract only (e.g. they cannot use HC
Extra Care for other existing contracts without HC Extra Care).
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By calling customer service and request for activation of service.
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Yes. As long as conditions and eligibility are met. Customer can
only avail one HC Extra Care service (PER, FER, Due Date Change or
Payment Holiday) at a time. The customer may request for another
activation after he/she finished using the previous service and has
paid the required monthly installments based on HC Extra Care’s
Terms and Conditions.
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•Change of Due Date/Payment Holiday – Twice every 12 months for the
entire loan duration. •PER/FER - Can apply anytime within the loan
duration.
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Kindly keep in mind that the Device Protection service period is not
co-terminus with the loan term. This means that it is possible that
the Device Protection coverage remains active or has ended already
after the loan has been fully paid.
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Tutorials
Video
Infographics
How to pay in store
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How to pay online using your Home Credit Card
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How to pay for your Home Credit Card bill
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How to pay cash loan
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How to pay consumer loan
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How To Pay Online Using Your Home Credit Card
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How To Pay Online Using Your Home Credit Card
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How To Pay Online Using Your Home Credit Card
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How To Pay Online Using Your Home Credit Card
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Test PDF
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TEST
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How To Pay In-Store
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How To Pay Online Using Your Home Credit Card
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How Do Rebates Work?
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How to pay your utility bills online with Home Credit Card
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How to pay for your groceries with Home Credit Card
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How to pay in gas stations with Home Credit Card
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How to check real-time transactions
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How to change your PIN
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How to temporary block your card
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How To Pay for Your Home Credit Card Bill?
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How To Unblock Your Card
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Additional Resources
Want more info? Find out more by downloading these documents.
Card Terms & Conditions
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Dispute Form
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Fees & Charges
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Rebate Terms & Conditions
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Card Terms & Conditions
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Card Terms & Conditions
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Card Terms & Conditions
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Card Terms & Conditions
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Fees & Charges
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Fees & Charges
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Certificate of Registration (COR)
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Certificate of Business Name Registration (DTI/SEC)
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Partner Doc 2
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Business Permit
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Secretary's Certificate / Special Power of Attorney
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Partner Resource Doc 1
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Partner Resource Doc 2
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Partner Resource Doc 3
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Partner Resource Doc 4
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Partner Resource Doc 5
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Partner Resource Doc 6
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Test Document 1
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Test Document 2
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POS General T&C
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Cash Loan
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HC Pay
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Retailer's Valid Government ID
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Store Manager's Valid ID
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POS Photo
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Cash Loan May 2019
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Data Privacy Agreement (Corporation)
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Data Privacy Agreement (Sole Proprietorship)
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Home Credit Pay QR Payment (General Terms and Conditions)
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Home Credit Pay Payment Gateway (General Terms & Conditions)
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Home Credit Pay QR and Online Payment Gateway (Application for
Merchant Cooperation)
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ALDI Dealership Cooperation Agreement (General Terms & Condition
for GOODS ONLY)
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ALDI Dealership Cooperation Agreement (General Terms & Condition
for GOODS and SERVICES)
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Non-ALDI Dealership Cooperation Agreement (General Terms &
Condition for GOODS ONLY)
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Non-ALDI Dealership Cooperation Agreement (General Terms &
Condition for GOODS and SERVICES)
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Cash Loan Jun 2021
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Cash Loan Oct 2018
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Loan Agreement
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T&C 2015
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POS May 2019
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POS June 2021
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POS Oct 2018
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POS Loan Agreement
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POS Specific T&C
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POS 2015
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Qwarta T&C
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Credit Card T&C
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Credit Card Dispute
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Credit Card Rebate
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Online Portal
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