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You will receive a notification SMS as a receipt of your over-the-counter or online transfer payment in a matter of minutes. You may view your posted payments conveniently using our My Payments web portal or My Home Credit App.

You can stay up to date on your account through: My Home Credit App 1. Download and register to the app 2. Log in 3. Select ‘My Account’ My Payment Portal 1. Visit our website and go to My Payment Portal 2. Scroll down and look for Sign in to My Payment 3. Enter your Loan Account Number and Date of Birth 4. Click Log Me In

You can easily keep track of your monthly statements in My Home Credit App. For loan customers, you can also login via our website. For credit card customers, you can also check the monthly statements we send to you via your registered email address.

For real-time posting of payment, you may pay your Home Credit loan or credit card in the following payment channels: [Auto Debit Arrangement](/pay-loans/auto-debit-arrangement) - BPI - Metrobank - RCBC - BDO - Unionbank - Security Bank - PNB Over the counter/Online Payment: - Maya - Shopee - Palawan Express - 7eleven - USSC - Touchpay - ECPay Branches - Bayad Center - Mlhuillier - Cebuana Lhuillier - SM Bills Payment

Kindly check your contract to know if you are eligible for this promo. To maintain eligibility, your account should not have any late payments. If you availed of a grace period in relation to the Bayanihan Act, the accrued interest must also be paid on time. Make sure to pay on time based on your monthly installment schedule and your Gift Payment will be automatically posted on your account at the end of your loan term.

BARO gives the option to eligible customers to avail of a one-time 60-day grace period with accrued interest for loan and credit card customers with due dates from September 15, 2020 to December 31, 2020.

According to Bangko Sentral ng Pilipinas (BSP), all banks, quasi-banks, credit card issuers and other BSP-Supervised Financial institutions with lending operations are covered by BARO.  Home Credit is one of these institutions.

Eligible Home Credit Customers are: Those with loans and credit card accounts that are current and don’t have overdue payments as of September 15, 2020 Those with installments due from September 15 to December 31, 2020 Those with credit card purchases before September 15, 2020

Option 1: You may continue with paying according to your original installment schedule or due dates. There will be no accrued interest on your account. For credit card customers, you will be able to continue using your card. Option 2: For eligible customers, you can avail of a one-time 60-day grace period. You can skip payments for 60 days or 2 months The loan term for your installment will be extended by two months. But keep in mind: There will be an accrued interest applied on your account for the availed grace period. For credit card customers, your card will be blocked during the grace period.

For eligible customers, we sent an email to your registered email address to discuss your options.  You can also call us at (02)77535712.

We want to make sure that you will continue to enjoy this convenient payment method, thus we will continue to debit payments from your bank account on your scheduled debit dates. For eligible customers, if you wish to temporarily discontinue your auto-debit arrangement, call us at (02)77535712 prior to your scheduled debit dates.

For loan customers: Accrued interest = Remaining principal amount x monthly interest rate x no. of months in grace period *Accrued interest for loans can be paid one-time or in staggered basis until December 31, 2020. For credit card customers: Regular Transaction Computation Outstanding principal balance (as of cut-off for which grace period will apply) X Daily Interest Rate X # of days balance remained unpaid Installment Plan Computation Unpaid principal balance (as of cut off for which grace period will apply) X Annual Interest Rate X interest period duration (no. of grace period days)/360 *Accrued interest for cards will be charged at the end of the installment schedule.

We’re encouraging you to make a payment on or before your due date.  We are however giving you until 10 days after your due date to settle your payment.  This way, your account will no longer have accrued interest and your loan term will not be extended. If we don’t receive the amount due 10 days after your due date, grace period will automatically apply on your account.  Loan term will be extended and accrued interest will apply.

Yes, the grace period will not affect your gift payment eligibility.  You just need to make sure to keep your account updated according to the new installment schedule. The accrued interest also needs to be paid in order to be eligible for gift payment.

We understand that this is a difficult situation for all of us. We are still reviewing how we can assist you further. Please keep your lines open so we can easily contact you.

We have a lot of payments channels that you can choose from where we accept cash and online payments. For cash payments, you may pay through Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier, Cebuana Lhuillier and SM Bills Payment. For Online Payments can be paid thru Maya, Shopee, PalawanPay, Unionbank, BDO and RCBC Online Banking and Debit Cards via [Home Credit website](/pay-loans) or [My Home Credit App](http://bit.ly/2HE81FS)

Transaction fees are minimal charges from our payment partners. For real-time payment posting partners like Maya, Shopee, Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier and Cebuana Lhuillier transaction fee is P15.00. For SM Bills payment transaction fee is Php13.

There are no hidden charges. All payments and fees are included in the disclosure form.

Yes, anyone can pay on your behalf as long as they have your loan account number and account name.

Home Credit or HC Consumer Finance

No other fee aside from the payment transaction fee

No for now, we only accept cash payments, internet banking payments, debit cards and our payment channels. You also have the option to use Debit Card ( Visa /Master Card or you may use your ( BPI,MB,RCBC, and BDO ) to enroll in auto debit arrangement.

No, we only accept cash payments, internet banking payments, debit card and online payments through our payment channels partner.

Payments made via our payment partners are being reflected on a span of minutes. Once payment has been made, you will receive a payment notification via SMS. You may track all your payment transactions via My Home Credit App which can be downloaded in Google playstore or through My Payments portal in our website www.homecredit.ph.

We have Full Early Repayment and Partial Early Repayment options that can facilitate an adjustment on your interest. If you are interested, please feel free to chat or call with us so we could assist you further.

Payment due date is the actual due date of the client, it is also the date when the client signed the contract and went home with the good/s. Recommended Payment Due date is always 3 days earlier than the actual due date (Recommended Payment due date) and aims to prevent any late payment fees.

If you are having difficulty maintaining your payments, please call (02) 7753 5712 for us to assess if your due date can be moved to a more convenient date for you.

You must have a savings account with one of the following banks: BPI, Metrobank, RCBC, BDO, Unionbank, Security Bank and PNB

If you want to enroll for ADA as your payment method during application, please bring your bank account information, such as Full Name registered on your bank and your bank account number. Our Sales Agent will be glad to process your ADA enrollment.

An SMS will be sent within 15 banking days of filling out the ADA form informing you of the approval or rejection. Should the application be rejected, you are still free to pay your installment through any of our accredited payment channels like Maya, Shopee, Palawan Express, USSC and Touchpay.

Debiting of payment is based on the recommended due date stated on your account, which is three (3) calendar days prior to your due date. This is done so that in case debiting from your bank account is unsuccessful, you would still have three (3) days to pay the installment through other channels so as to avoid late payment.

You will receive an SMS & email within the day from your payment to confirm status. You can view your transaction through My Payments web portal or My Home Credit App. But in case that your ADA is unsuccessful, you will receive an SMS notification stating that we were unable to deduct on your account. Please coordinate this with your bank. For the meantime, you may pay your monthly installment through our accredited payment channels.

Please send an email to info@homecredit.ph and include the following details: Loan Account Number Full Name Reason for ADA Cancellation

The following penalties are implemented for reaching specific days of delinquency, as indicated in your contract: Any time after your due date: + Php 200 30 days past due: + Php 400 60 days past due: + Php 600 90 days past due: + Php 800 Note: Penalties and charges add up separately on top of your unpaid installment/s.

Send us the following details via "Chat with us": Loan Account Number Client's Complete Name Payment Date Account Holder's Name (must be same as Client’s Name) Bank (where the overpayment will be deposited) Bank Account Number (must be savings account not payroll/cash card accounts) Amout to be deposited (overpayment amount) Proof of Payment (receipt/ online banking confirmation) Bank Address Please note that some banks may have charges for processing the request. However, If you have no bank account, you have to send a signed letter of authorization stating where the refund should be deposited to. This letter is to be sent by MAIL: Attention to Incoming Payments to 11th Floor Vertis North Corporate Tower 1 Diliman Quezon City containing the following details: Client’s Complete Name Payment Date Bank Accountholders Name (where the refund should be deposited to) Bank ( i.e. BDO, BPI..etc ) – where the overpayment should be deposited Bank Branch Requested refund Amount – ( overpayment amount ) Bank Account Number ( not the card number showing on their ATM card, must be savings account not payroll/cash card accounts and must be PNET registered) Relationship to the Bank Accountholder Photocopy of valid government issued ID of Client and bank accountholder PROOF OF PAYMENT (receipt/ online banking confirmation) Note: Letter MUST be signed by both Client and Bank Accountholder —————————————————————————————————————————————– Please be also advised that if in case the refund amount has a bank charge ranging from Php 10 – Php 100, this will be deducted on your overpayment refund amount.

Please send an email to info@homecredit.ph containing the following details: Loan Account Number Name of Account Holder Payment Details (Date of Payment, Amount and Payment Channel) Scanned Copy of Payment Receipt”

There is a processing fee of PHP 15 per transaction. For BPI and Unionbank customers, it is free of charge until August 31, 2023 while using a debit card will incurred 3% fee of total transaction amount. For BDO and RCBC, it is also free of charge.

Payments may take up to 48 hours before it reflects on our system. If it is still not showing by then, send the following details to info@homecredit.ph: *your 10-digit Loan Account No. *transaction number *amount paid *payment channel where payment has been made *date of payment

Your payment might be rejected if your credit card or bank account has insufficient balance, is not valid, or is already closed.

We recommend that you contact your issuing bank to check on your account. You may also pay online through Maya, Shopee, BDO Online Banking, and RCBC Online Banking. Visit our website for more details on other payment channels.

Please take a screenshot of the error and send an e-mail to info@homecredit.ph together with your 10-digit Loan Account Number

We offer you a lot of ways to pay your loan. You can check other payment options in our website.

Electronic Auto Debit Arrangement or eADA is a service that lets customers subscribe to an automated debit schedule the bank's online banking app or website.

"You can enroll to eADA if you have an account with any of our partner banks: • Metrobank • BPI • RCBC • Unionbank • BDO"

Home Credit customers with an active loan, with savings or checking account, and currently registered to any of our eADA partner bank's online banking system can enroll to eADA.

"Follow these steps: 1. Log in to your bank's online banking app/website. 2. Select ""Home Credit"" as a biller to enroll to eADA and enter your reference number (10-digit loan account number). 3. Select the account to be enrolled. 4. Enter the OTP that you received through SMS/Email to confirm your eADA enrollment. Confirmation screen will appear – successful enrollment. The enrollment process may slightly differ for each bank. For detailed instruction go to Auto-Debit Arrangement page "

Yes, you can -- as long as your current mode of payment is cash or over-the-counter and you have an account with any of our partner banks (Metrobank, BPI, Unionbank, RCBC and BDO).

You will receive an OTP (One-Time PIN) through the mobile number registered to your bank account. The contract shall be signed once you have provided the OTP.

Yes.

It differs per bank, but eADA enrollment usually takes about 2-3 banking days.

Yes, you will be notified through SMS once your enrollment has been approved.

None. You can enroll to eADA as long as you have an active loan with Home Credit, and your current mode of payment is cash or over-the-counter.

2-3 banking days, depending on your bank.

The Total Amount Due (including other fees, if applicable) will be debited from your account.

Yes, as long as your bank is one of our partner banks for eADA.

Yes, as long as your bank is one of our partner banks for eADA.

Your bank account will remain enrolled to eADA as long as you have unpaid installment/s.

Yes, you can enroll both loans to eADA.

Yes, you may apply anytime as long as you meet the requirements.

No, unless you requested for your due date to be changed.

Traditional Auto Debit Arrangement is a service that lets customers subscribe to an automated debit schedule by filling out printed ADA Forms based on selected bank.