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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!

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.

• 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.

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.

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!

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.

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.

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.

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.\

Absolutely! Maintain a good credit standing with your other Home Credit loan/s to improve your chances of increasing your Qwarta spending limits.

Yes. You will have 2 separate contracts - one is for your item loan or cash loan and the other one is for QWARTA.

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.

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

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.

Thank you for your transaction! Kindly expect your transaction to be reflected within 3 business days.

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.

The 5% QR rebate is only valid for 1 month upon your signed date. You may check our announcements for promos and rebates.

Your first billing date will fall on the due date of your Product Loan/Cash Loan.

Your due date is 15 days after your billing date.