Buhos Papremyo Raffle Promo

The promo is open to all active customers (Product and Cash Loan) of Home Credit. 

Mechanics

1. HC Consumer Finance Philippines, Inc. (Home Credit) will launch “Buhos Papremyo Raffle Promo” which is open to all active customers (Product and Cash Loan) of Home Credit. 
2. This promo will run for the following days from July 1 – August 31, 2025
3. To Qualify.
For Product/Cash accounts: 
•    For Customers with an Upcoming Due Date:

• Pay your upcoming balance before your due date and an advance of one monthly installment, which should be paid no later than 20 days before the next due date to earn two raffle entries. 

•    For Customers Past Due (1-5 Days):

• Settle your outstanding balance (including penalties and charges) plus your upcoming installment, which should be paid no later than 20 days before the next due date to earn two raffle entries. •    For Customers Past Due (31-90 Days):

•    For Customers Past Due (6-30 Days):

• Settle your outstanding balance (including penalties and charges) plus your upcoming balance on or before the next due date to earn two raffle entries. 

•    For Customers Past Due (31-90 Days):

• Pay your outstanding balance (including penalties and charges) plus your upcoming balance on or before the end of the promo period to earn one raffle entry. 

•    A customer must have at least one month of installment left during the raffle draw.
•    A customer will receive an additional one raffle entry for paying their loan through eADA. Additionally, if they enroll and make their payment through eADA within the promo period, they will earn two entries.
•    Account should not be under the Interest Back category.
•    Account must be in updated status (not past due) during the raffle draw.
There will be a total of 10 winners, and they will be getting ANY of the following prizes:

• (1) winner of Laptop (Brand: HP 15-FD0130TU)
• (4) winners of a tablet (Brand: Samsung Galaxy Tab A9+ Wi-Fi)
• (5) winners of a cellphone (Brand: Samsung Galaxy A16 LTE 4GB + 128GB)

4. The electronic raffle draw will be held on September 10, 2025, at 2:00 pm at the Home Credit office on the 7th floor of Spark Place, Cubao, Quezon City, with the presence of a DTI representative.
5. Winners will be notified through registered mail, social media posts (Home Credit FB Page), SMS notification, and callout via their available contact information on file with Home Credit. 
6. Winners must present 2 valid IDs with pictures, bank details for prize disbursement, and the official notification letter when claiming prizes. 
7. Home Credit and its partner retailers’ employees and its affiliates, including their relatives up to the second degree of consanguinity or affinity, are disqualified from this raffle.
8. Customers participating in this raffle may still avail of any other ongoing promotions of Home Credit or its partner retailers.
9. The redemption period of prizes is until 60 days from receipt of registered mail; otherwise, it will be forfeited in favor of Home Credit with prior DTI approval.
10. An authorized representative can claim the prize on behalf of the winner and must present an authorization letter, photocopy of the winner’s ID, and 2 valid IDs of the authorized representative.  Winners may claim their Prize at the Home Credit Office - 7th floor Spark Place Bldg., P. Tuazon Ave corner 10th Ave. Cubao, Quezon City. Provincial winners may coordinate at the nearest HC Consumer office in their area.
11. A customer can only win once. If the name is drawn more than once, the winner must get the prize with a higher value.
12. Tax (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred in relation to the prize shall be shouldered by the Home Credit.
13. Home Credit reserves the right to disqualify customers from availing of this promotion if found to have committed acts of fraud or have violated existing policies on credit and subscription.
14. The prizes are not convertible to cash and are not transferable.

1. A customer can only win once. If the name is drawn more than once, the winner must get the prize with a higher value.

2. Tax (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred in relation to the prize shall be shouldered by the Home Credit.

3. Home Credit reserves the right to disqualify customers from availing of this promotion if found to have committed acts of fraud or have violated existing policies on credit and subscription.

4. The prizes are not convertible to cash and are not transferable.