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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!
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FAQ

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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

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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 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 change your PIN
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How To Pay for Your Home Credit Card Bill?
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Additional Resources

Want more info? Find out more by downloading these documents.
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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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###### Apply for a loan, find the best deals, buy load and pay bills - it's all here! ## Start your Home Credit journey today! ###### ![Group.svg](https://azolhcphwebsitestorage01.blob.core.windows.net/hcph-website/assets/Group_a2261b457f.svg) Avail a Product Loan at 0% interest terms or discounts up to 50% ###### ![Group.svg](https://azolhcphwebsitestorage01.blob.core.windows.net/hcph-website/assets/Group_a2261b457f.svg) Get pre-approved in 1 minute and pay flexible terms up to 18 months ###### ![Group.svg](https://azolhcphwebsitestorage01.blob.core.windows.net/hcph-website/assets/Group_a2261b457f.svg) View your loan details. Track and schedule your payments at home ###### Experience pocket power at your fingertips. Download the Home Credit App and start browsing your 0% interest deal!
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CORPORATE NAME: HC CONSUMER FINANCE PHILIPPINES, INC.
What We Offer?
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©2022 All Rights Reserved. Home Credit Philippines, Inc. Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph
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.