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Qwarta
What is Qwarta, and how does it work? Learn how to avail and use
Qwarta in the My Home Credit app to buy load, pay bills, loans and
many more!
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FAQ
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TOP FAQs
GENERAL INQUIRY
Qwarta is a virtual credit line that you can use via the “My Home
Credit App” to: buy load, pay bills, buy groceries (via QR), and
shop online!
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You can buy load and pay bills all in the My Home Credit App. You
can also buy groceries (shop via QR code), as well as Top-up your
LAZADA wallet.
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• You can receive a Home Credit Qwarta offer when you avail for a
gadget, appliance, furniture or any commodity loan or cash loan from
Home Credit. Just visit us and ask for assistance from our Sales
Associates. • If you have previous / current commodity loan or cash
loan you can receive an offer thru My Homecredit App.
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Interest fees are charged daily starting the day after each
transaction is made while penalty fees are charged if the client
fails to pay the minimum amount due on the due date: Will be 5% of
SOA's Total Amount Due. Please pay for at least your minimum amount
due every due date which comes 10 days after your billing date time
to avoid penalty fees and your Qwarta from being blocked.
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Compute for your interest fees any time in one easy step. Multiply
your transaction amount by the daily interest rate (0.13%) and the
number of days it was borrowed. Easy!
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You will receive a push notification on your My Home Credit App once
your Qwarta wallet is already activated so you can start using this
on all your cashless transactions.
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Your Qwarta account may be blocked or temporarily unaccessible due
to unpaid balance, potential fraud or inactivate limit. For better
assistance, please contact our Customer Service via email, chat or
call here.
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Your Payment Due Date is ten (10) calendar days after the billing
cut-off date. For example: Cut-off date: November 30, 2022 Payment
due date: December 10, 2022
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You can pay any amount from your transactions at any time. The more
and the earlier you pay, the more you save on interest fees.
Meanwhile, please pay for at least your minimum amount due every due
date which comes 10 days after your billing date time to avoid
penalty fees and your Qwarta from being blocked.
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If you fail to pay for at least your minimum amount due on or before
your due date, the account will incur late penalty fees which is
equivalent to 5% of SOA's Total Amount Due. Meanwhile, your
transactions will incur interest fees daily until they are fully
paid.\
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Absolutely! Maintain a good credit standing with your other Home
Credit loan/s to improve your chances of increasing your Qwarta
spending limits.
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Yes. You will have 2 separate contracts - one is for your item loan
or cash loan and the other one is for QWARTA.
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Unfortunately, no. Qwarta is a different Home Credit product with
separate contract to your item loan or cash loan that's why you need
to make a separate payment base on their due dates.
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No, but your Qwarta limit is as good as cash that you can use to:
Buy Loads at 4% discount Pay Bills without transaction fees Pay QR
in any of Home Credit partner merchants Lazada Top-Up
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Qwarta can help you with your financial management. You can buy load
to all major network with a 4% discount, scan-to-pay QR with 5%
rebate and pay bills to over 200+ billers nationwide with no extra
charge, plus you can also use it to Top-up your LAZADA wallet. All
in the My Home Credit App.
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Your Qwarta account will activate in a few months from your contract
signing date. To avoid activation delay, just make sure to pay for
your commodity loan on or before its due date.
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Thank you for your transaction! Kindly expect your transaction to be
reflected within 3 business days.
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The 5% QR rebate is an exclusive offer to our new customers. This is
our way of welcoming you to explore the possibilities of Qwarta.
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The 5% QR rebate is only valid for 1 month upon your signed date.
You may check our announcements for promos and rebates.
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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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Mobile app download red
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