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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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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

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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 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.
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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.
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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.