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Pay Over-The-Counter

We are right where you are! Pay your loan installment from any of our 39,000+ payment partner channels nationwide.
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Pay over-the-counter through stores near you for easy payments
Pay over-the-counter through stores near you for easy payments
Pay your Home Credit loans over the counter by visiting any of our partner stores. For a hassle-free payment, fill out the form and let a representative assist you. We're ready to assist you over the counter for your Home Credit loan!
View Payment Channels
Online Enrollment
7-Eleven
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Online Enrollment
Palawan Express
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Online Enrollment
USSC
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Online Enrollment
Touchpay
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Online Enrollment
Asia United Bank
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Online Enrollment
Cebuana
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Online Enrollment
Mlhuillier
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Caret ico
Online Enrollment
SM Bills
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Caret ico
Online Enrollment
UnionBank OTC
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Caret ico
Online Enrollment
RCBC OTC
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Caret ico
Online Enrollment
BDO OTC
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Caret ico
Online Enrollment
Bayad Center
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Caret ico
Online Enrollment
Digipay
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Caret ico
Online Enrollment
Villarica Pawnshop
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Caret ico
Online Enrollment
Truemoney
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Caret ico
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3 Easy Steps

How do I pay over-the-counter?

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Step 1
Visit preferred store
Visit your preferred over-the-counter store. We have 39,000+ partners nationwide.
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Step 2
Fill out the form
Fill out the payment form at your preferred store with “Biller Name” as “Home Credit” and other required details. Submit the form to the partner store staff or teller.
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Step 3
Payment successful!
Collect your receipt from the representative, then recheck the details. If everything is in order, you have successfully completed your Home Credit payment. Payment transaction will reflect on the My Home Credit App within 24 hours.
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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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Things To Remember

Online Payment Guidelines

Follow these guidelines for settling your installments via online payment
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Loan Account Number
Loan Account number as stated in the Payment Schedule shall be used as reference number to ensure that payment will be posted on the right contract.
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3 Days Ahead
To prevent any unnecessary delays and due to standard payment processing time it is recommended that payments are made 3 days before the due date
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Transactions Fee
When making a payment in certain payment channels, the customer shall pay applicable transaction fee, if there’s any. Direct payments to Home Credit have no processing fee.
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Retain Receipts
Customers are advised to retain receipts until payment for the loaned amount is completed. When paying to Field Officer, always ask for payment receipt
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Check Your Payment Schedule
Check payments or any other modes of payment not indicated in your payment schedule will not be accepted
Early Repayment Options
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Partial Early Repayment
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You can make a Partial Early Repayment of your loan if these eligibility requirements are met:
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It has been 15 days since you have signed your loan contract.
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The advance payment would cover at least 2 months’ worth of monthly installments.
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Interest and insurance will be waived for the months that will be covered by the partial early repayment.
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If you wish to make a Partial Early Repayment, please inform our Customer Service Department first through chat using the My Home Credit App or Contact Us page.
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Full Early Repayment
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You have 2 options if you wish to make a Full Early Repayment of your loan:
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Cooling Off Period: Full Early Repayment within the first 15 days after signing
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If you decide to finish the loan within the first 15 days after contract signing, you can repay the full loan amount without any fees and interest. To process it, call our Customer Service Hotline at (02) 7753 5711.
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If you decide to finish the loan in full, you can pay the remaining balance without future interest provided that your account is not past due.
Frequently Asked Questions
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What are the mode of payments available?
We have a lot of payments channels that you can choose from where we accept cash and online payments. For cash payments, you may pay through Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier, Cebuana Lhuillier and SM Bills Payment. For Online Payments can be paid thru Maya, Shopee, PalawanPay, Unionbank, BDO and RCBC Online Banking and Debit Cards via [Home Credit website](/pay-loans) or [My Home Credit App](http://bit.ly/2HE81FS)
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What are transaction fees and why do I need to pay it?
Transaction fees are minimal charges from our payment partners. For real-time payment posting partners like Maya, Shopee, Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier and Cebuana Lhuillier transaction fee is P15.00. For SM Bills payment transaction fee is Php13.
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Are there any hidden charges?
There are no hidden charges. All payments and fees are included in the disclosure form.
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Will you accept payment from a 3rd party on my behalf?
Yes, anyone can pay on your behalf as long as they have your loan account number and account name.
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What do I write for biller/account name?
Home Credit or HC Consumer Finance
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CORPORATE NAME: HC CONSUMER FINANCE PHILIPPINES, INC.
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Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas with contact number (+632) 8708-7087 and with email address consumeraffairs@bsp.gov.ph, and webchat at 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.