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Avail a Product Loan at 0% interest terms or discounts up to
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"Search Results" How can we help? Home Credit Philippines is here for you.
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Search Results for
Product Loan
Want to know what product loan is? Having a hard time applying for
one? Or maybe you're just interested in finding out how Home
Credit product loan works? You're in the right place too seek
help!
Select loan type

FAQ
Topics:
TOP FAQs
APPLICATION
HC PROTECT
REPAYMENT
e-STATEMENT
You can start your loan application via My Home Credit App from
Google Playstore prior to visiting our retail partner stores to
continue the process or you can go directly to our retail partner
stores and have our Sales Associate or Retail Associate to assist
you. You can check the list of retails partner
[here](/about-us/our-partner-stores/).
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We offer Product Loans through in-store financing. We can help
finance your purchase which you can repay through easy, monthly
installments. Home Credit currently finances: * Gadgets (such as
mobile phones, tablets, and laptops) * Home Appliances * Electronics
(such as TVs, HIFI, and Cameras) * Furniture * Musical instruments *
Hardware Tools * Ebike * Sporting Goods * Auto Supplies and Services
* Beauty &Wellness * Optical * Events * Trainings * Home Improvement
* Medical Supplies and Devices * Apparel Store * Department Store *
Hardware Store * Toy Store * Motorcycle Accessories Store Selected
Product Loans also come with Qwarta, a virtual credit limit which
you can use to buy load, pay bills, and scan-to-pay at your favorite
stores! We also offer Cash Loans to existing eligible Home Credit
customers. Click here to learn more about Cash Loan.
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Please bring the following: 1. One (1) government-issued valid ID
that indicates your address AND date of birth. If any of two are not
satisfied, a second document ID bearing the missing information from
the primary ID will be required for presentation. 2. Down payment.
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You can find us in more than 14,500 stores. Click
[here](/about-us/our-partner-stores/) to find a store near you.
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Down payment is at least 20% to 30% of the item's total price. For
lighter monthly installments, we recommend that you pay above the
minimum required % down payment. For better guidance, you can
approach a Sales Associate / Retail Associate at our partner stores.
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We are partnered with major retailers that carry a wide range of
brands. You may either: 1. Access the My Home Credit App and tap on
Marketplace; or 2. Inquire directly with our partner retailers to
ensure the brand availability in your chosen store. 3. Check the
store for Home Credit marketing materials. Partner retailers usually
display them in-store or outside their shop if they're partnered
with Home Credit.
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Aside from the flexible down payment, you only need to pay a minimal
processing fee equivalent to 3% of the financed amount.
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We have low interest rates that range from 0% up to 5.99% per month.
You may approach our friendly Sales Associate who can help you find
the best deal.
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Loan period varies per item but generally it is between 6 – 24
months. You may also download My Home Credit App and tap on
Marketplace to browse for items and corresponding loan details.
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Processing of approval takes 1 minute after accomplishing the
application form and submitting all required documents under the
guidance of your Sales/Retail Associate. This was designed to make
sure approved customers get to bring home their new purchases within
the same day!
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You may apply again after 3 months from the date that your loan
application was rejected.
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All purchases are bound to the Store/Manufacturer's product terms
and conditions. Please ensure that you have read the contract
carefully prior to receiving the item. For defective items that are
still under warranty, you may coordinate directly with the Store
where the item was purchased, while for lost/stolen items, Home
Credit is not liable to cover replacement once you have confirmed
receipt of the item.
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Yes, we offer loan insurance to help you be ready for any
eventuality. You may ask our Sales Associate at our partner store
for this added service. You may choose from the following list of
insurance products: 1. Device Protection 2. Borrower Protection Plan
3. Home Content Protection 4. Extended Warranty
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You may either pay via: - My Home Credit App (auto-debit setup via
the app) - Home Credit Website (a local debit card with Visa or
Mastercard logo, or an active online account with Unionbank, and
BPI) - Over 20 Payment Partners for over-the-counter transactions
(such as Maya, Shopee, Palawan Express, USSC, and 7eleven) -
Automatic Debit Arrangement (ADA) option for our trusted parters
BDO, BPI, Metrobank, Security Bank, RCBC, PNB or UnionBank. Online
enrollment through the corresponding bank website or mobile app
(whichever is applicable) can be done as well as manual enrollment,
depending on the applicable options per bank. Know more about our
payment channels [here](/pay-loans#howandwheretopay).
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You may view your loan details and payment information anytime
online on your registered account on the My Home Credit App or Home
Credit website.
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Tutorials
Video
Infographics
How to pay in store
Download File
How to pay online using your Home Credit Card
Download File
How to pay for your Home Credit Card bill
Download File
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
Download File
TEST
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How To Pay In-Store
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How To Pay Online Using Your Home Credit Card
Download File
How Do Rebates Work?
Download File
How to pay your utility bills online with Home Credit Card
Download File
How to pay for your groceries with Home Credit Card
Download File
How to pay in gas stations with Home Credit Card
Download File
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
Download File
Dispute Form
Download File
Fees & Charges
Download File
Rebate Terms & Conditions
Download File
Card Terms & Conditions
Download File
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
Download File
Certificate of Registration (COR)
Download File
Certificate of Business Name Registration (DTI/SEC)
Download File
Partner Doc 2
Download File
Business Permit
Download File
Secretary's Certificate / Special Power of Attorney
Download File
Partner Resource Doc 1
Download File
Partner Resource Doc 2
Download File
Partner Resource Doc 3
Download File
Partner Resource Doc 4
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Partner Resource Doc 5
Download File
Partner Resource Doc 6
Download File
Test Document 1
Download File
Test Document 2
Download File
POS General T&C
Download File
Cash Loan
Download File
HC Pay
Download File
Retailer's Valid Government ID
Download File
Store Manager's Valid ID
Download File
POS Photo
Download File
Cash Loan May 2019
Download File
Data Privacy Agreement (Corporation)
Download File
Data Privacy Agreement (Sole Proprietorship)
Download File
Home Credit Pay QR Payment (General Terms and Conditions)
Download File
Home Credit Pay Payment Gateway (General Terms & Conditions)
Download File
Home Credit Pay QR and Online Payment Gateway (Application for
Merchant Cooperation)
Download File
ALDI Dealership Cooperation Agreement (General Terms & Condition
for GOODS ONLY)
Download File
ALDI Dealership Cooperation Agreement (General Terms & Condition
for GOODS and SERVICES)
Download File
Non-ALDI Dealership Cooperation Agreement (General Terms &
Condition for GOODS ONLY)
Download File
Non-ALDI Dealership Cooperation Agreement (General Terms &
Condition for GOODS and SERVICES)
Download File
Cash Loan Jun 2021
Download File
Cash Loan Oct 2018
Download File
Loan Agreement
Download File
T&C 2015
Download File
POS May 2019
Download File
POS June 2021
Download File
POS Oct 2018
Download File
POS Loan Agreement
Download File
POS Specific T&C
Download File
POS 2015
Download File
Qwarta T&C
Download File
Credit Card T&C
Download File
Credit Card Dispute
Download File
Credit Card Rebate
Download File
Online Portal
Download File
Mobile app download red
