Our story began in 2013 in less than a thousand mobile phone stores in Metro Manila where a small bevy of Home Credit Sales Associates processed on-the-spot product loans for customers with little to no credit history. We made possible the idea of providing same-day installment financing and allowing them to bring home the goods in a matter of hours. Short and easy but responsible and secure. And so the idea of same-day processing of loans was born. And this changed the face of consumer financing forever.