Home Credit Introduces Pre-Transaction Installment Feature for QR Payments, Bills, and Load Purchases

Home Credit Philippines is making cashless spending even more rewarding with its new pre-transaction installment feature for Home Credit Card and HCQWARTA users. Starting May 19, 2026, credit card users can now convert QR transactions, bills payment, and load purchases worth Php 3,000 and above into easy-to-pay installments directly through the Home Credit App, with the feature set to roll out to HCQwarta users soon.

And here’s some good news: instead of paying the standard 3% interest charged on unpaid balances, customers can enjoy lower add-on installment rates when they convert eligible purchases into installments. That means lighter, fixed monthly payments that are easier on the budget and far less stressful to manage. 

The best part? You don’t need to wait for major purchases to enjoy installment flexibility. 

With this new feature, eligible QR transactions, bills payments, and load purchases worth 3,000 pesos and above can now be converted into installments with just a few taps on the Home Credit App. 

✅ Need to pay several households bills this month? 

✅ Unexpected expenses outside your payday window? 

✅ Planning a bigger grocery or shopping run? 

Now you can spread out payments more comfortably while keeping your monthly budget on track. This gives more peace of mind and helps reduce financial stress, especially during months with higher spending needs or in days where you have used up most of your salary before the next pay period.  

It’s a common horror story for all of us where one large purchase suddenly drains all your budget. And once you miss a payment, the monthly interest will quickly pile further draining your money.  

But with Home Credit’s installment conversion feature, instead of worrying about growing charges or surprise fees, you can enjoy lower add-on installment rates with fixed monthly payments that are easier to manage. Thanks to the Home Credit App, customer can immediately see: 

• Their fixed monthly payment  
• Their chosen installment term  
• The applicable add-on installment rate  
• The total amount to be paid 

No guessing games. No stressful computations. Just clear, predictable payments that help you stay in control of your finances.  

Customers can check the complete installment rates and terms through Home Credit’s disclosure page. 

As digital payments continue to become the norm in the modern financial era, Home Credit remains committed to giving Filipinos practical and flexible financial solutions that fit their lifestyle.  

With digital payments now accounting for 57.4% of total retail transactions in the Philippines in 2024, this new pre-transaction installment feature empowers Home Credit Card and HCQwarta users to enjoy the convenience of cashless transactions while staying fully in control of their finances. 

Because smart spending isn’t just about making purchases — it’s about managing them wisely. 

So the next time you make a QR transaction, pay bills, or purchase load worth Php 3,000 and above, remember: you can now convert them into lighter, fixed monthly installments via the Home Credit App.