Wish It with Home Credit

The Wish It with Home Credit Promo Campaign is open to all existing Home Credit customers who will apply, sign, and disburse a cash loan with good credit standing from December 1-31, 2025.

1. The promo period is from December 1 to 31, 2025.

2. Customer must be able to sign their cash loan contract via Home Credit App. After signing, qualified customers must confirm their wish and accept the T&Cs via Home Credit app to register their raffle entry

3. To qualify for the promo, the customer must have and do the following:

• Must be an existing HCPH customer

• Customer must be able to sign their cash loan contract via Home Credit app

• Customers must select a wish from the pop-up banner upon opening the app, then apply and sign a cash loan, confirm their wish, and accept the T&Cs via Home Credit app to register their raffle entry within the promo period.

4. Customers who update information and apply via the old My Home Credit app will not be eligible for the promo.

5. Customers who will not claim their cash loan; who will avail cooling-off/full early repayment; who will have their existing loan contract end before the promo period; and those who will cancel their contract by the time of the raffle will not be eligible. 

6. Qualified customers will get the chance to be one of the 12 winners of PHP 50,000.

7. A customer can only win once.

8. Raffle draw date will be on January 15, 2026

9. Home Credit and its partner retailers’ employees and its affiliates, including relatives, up to the second degree of consanguinity or affinity are disqualified from this promo. 

10. Customer’s contract must be active and in good credit standing at the time of the raffle draw to be eligible to win. 

11. Customers who cancel their application will be disqualified from the draw. 

12. Customers participating in this raffle may still avail of any other on-going promotions of Home Credit or its partner retailers. 

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.  

1. Customer’s account must be active to be eligible for the promo.  

2. Home Credit Cash Loan clients whose accounts become delinquent or terminated within the promo duration are disqualified from the promo.  

3. All qualified entries will be drawn via electronic raffle draw witnessed by a (Department of Trade and Industry) DTI Representative during the raffle draw dates.  

4. HCPH reserves the right to cancel transactions of accounts that are proven to be invalid or fraudulent (i.e. abuse of system).  

5. Any dispute concerning the product/s and/or service/s related to the promo offer shall be settled directly between the Customer and Home Credit with the concurrence of DTI.  

6. Terms and conditions governing the issuance and use of Home Cash Loan and reminders and other provisions contained in the statement of account, charge slips, and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo.