Frequently Asked Questions

How do I make a payment?

You can make payments thru SM, Bayad Center, 7-11/ECPAY, Cebuana Lhuillier, M. Lhuillier and RCBC Commercial Banks.

What are the mode of payments available?

We accept cash payments thru SM, 7-11/ECPAY, Cebuana Lhuillier and Mlhuillier. Cash and/or Online Payments can be paid thru RCBC Commercial Banks via their websites.

What are transaction fees and why do I need to pay it?

Transaction fees are minimal charges from our payment partners. For SM Business Centers transaction fee is Php13 while Bayad Center, ECPAY, Cebuana and Mlhuiiler fee is Php15. There is no charge for RCBC payment.

Are there any hidden charges?

There are no hidden charges. All payments and fees are included in the disclosure form.

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.

What do I write for biller/account name?

HOME CREDIT

If I pay ahead of my due date will I be charged any fee?

No

Can I pay using my credit card?

No for now, we only accept cash payments through internet banking payments and our payment channels.

How will I know if the payment was received?

You can check it using our payments portal My Payment application or call our Customer Service at (02) 753 5711 . Monday – Sunday (8:00am – 8:00pm).

Do you accept cheque payments?

No, we only accept cash payments through internet banking payments and our payment channels.

Why are you not sending monthly statements?

Your monthly installment and due date is fixed every month. And you can also check your latest payment transaction using our My Payment application or call our Customer Service at (02) 753 5711. Monday – Sunday from 8:00am – 8:00pm.

How long before the payment posted on my account?

Posting of payments is usually completed within 24 hours. You may also check your latest payment transaction 24/7 using our My Payment application or call our Customer Service at (02) 753 5711. Monday – Sunday from 8:00am – 8:00pm.

If I would pay in advance can i get a discount on the interest?

We have Full Early Repayment and Partial Early Repayment options that can facilitate a recalculation on your interest. If you are interested, our Customer Service can discuss all the information with you.

Can I apply for another loan?

Yes, after you finished your current loan.

What is the difference between the Payment Due date and the Recommended Payment Due date?

Payment due date is the actual due date of the client, it is also the date when the client signed the contract and went home with the goods. Recommended Payment Due date is always 3 days earlier than the actual due date. Recommended Payment due date aims to prevent any late payment fees.