PalaWIN sa Palawan

Open to all customers who will pay   Home Credit loan installments through Palawan Express and Palawanpay.

Mechanics

Loan Repayment Raffle (Ongoing Reward) 

• Eligibility: Customers who repay their Home Credit loan installment at a Palawan Pawnshop branch and register to the google form will earn 1 e-raffle entry per repayment, or 3 e-raffle entries per repayment if made through PalawanPay, provided their loan was disbursed through Palawan. 

Qualify for the Grand Draw. 

•  Raffle Draw: Entries from repayments in each month qualify for a separate monthly raffle draw, held within the first week of the following month.  
• Prizes:  
  • 5 winners of Php 2,500 PalawanPay credits per month. 
  • 5 winners will each receive a ₱2,500 fee waiver on their Home Credit loan account.
• Note: Every eligible repayment counts — no matter the loan type! 

Grand Draw for Loyal Users (Escalating Reward) 

•  Eligibility: Customers who make 3 consecutive loan repayments through a Palawan Pawnshop branch or Palawan Pay and register to the google form become eligible for the Grand Draw. 
• Customers who avail any Home Credit loan and successfully complete five (5) consecutive repayments qualify for the Grand Draw. 
  • The streak resets if a repayment is missed or made through another channel, but customers can restart their streak. 
• Grand Raffle Draw: December 29, 2026 for all eligible customers during the promo period. 
• Grand Prize: 
  • Winner receives PalawanPay credits worth up to ₱200,000. The exact amount of credits will equal the winner's current outstanding Home Credit loan balance (capped at ₱200,000).  
  • On top of that, Home Credit will fully waive up to ₱200,000 of the winner's existing loan (the waived amount will be whatever is still owed, up to the ₱200,000 limit). 

a. For qualified transactions, Home Credit loans disbursement through Palawan Pawnshop and paid via PalawanPay verified account and/or over the counter to any Palawan Pawnshop Branches, the prize will be awarded to the registered name and PalawanPay mobile number used for payment.

b. All winners of the raffle will be announced on Palawan Pawnshop Palawan Express Pera Padala and PalawanPay social media pages (Facebook). Winners shall be notified via registered mail and SMS. To claim the prize, winners must acknowledge the verification from Palawan Group and or reach out after posting via the social media announcement.

c. Promo only applies to all successful Home Credit loan disbursement through Palawan Pawnshop and successfull payment transactions via PalawanPay or any Palawan Pawnshop Branches. Cancelled or failed  transactions will not be qualified. 

d. All taxes (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred for the prize shall be shouldered by Palawan Group. 

e. The promo offers and prizes are not transferable. Claiming a prize through an authorized representative is not applicable. 

f. This promo is valid for Home Credit loan disbursement via Palawan Pawnshop and loan payment transactions  only. The offer cannot be used with other existing promotions. 

g. All employees of Palawan Pawnshop Group/PalawanPay & participating biller (Home Credit) and their relatives up to second degree of consanguinity or affinity are ineligible to participate in this offer.