Secure Your Gadgets with Home Credit’s Device and Appliance Protection Plan

Got your eye on a new phone, laptop, or TV through Home Credit?  

Before you say yes to that installment plan, here’s a smart move you might want to add: Device Protection and Appliance Protection.  

It’s an optional plan that gives your brand-new gadget or appliance extra protection against accidents, spills, and unexpected turn of events—all for just a few pesos a day.  

Think of it as extra peace of mind bundled with your loan, so you can enjoy your Home Credit device and appliance via Home Credit  Loan without worrying about costly repairs or replacements later on. Here’s all you need to know about these plans! 

When you buy a phone, tablet, or gadget using Home Credit’s installment or loan plan, you can also add extra coverage called the Device Protection Plan.  

Think of it as a friendly guard for your new device—always there if accidents happen or your gadget suddenly acts up. 

When you get a new gadget through Home Credit, you’re investing in something important—whether it’s for work, school, or staying connected.  

But when it comes to devices, accidents and other unforeseen events can happen. That’s where Device Protection comes in.  

1. Protection from Accidents and Spills 

Dropped your phone? Spilled water on your tablet? This plan covers unexpected damage caused by accidents or liquid spills. It gives you peace of mind knowing that even in accidental circumstances, your device is still protected. 

2. Extended Warranty After the Original One Expires 

Most devices come with a limited manufacturer’s warranty that usually lasts a year. But what happens after that?  

With Device Protection, you get one more year of coverage for problems like factory defects or sudden malfunctions—so you're not left unprotected. 

3. Repairs Done by Authorized Service Centers 

If your device needs fixing, it won’t be sent to just any repair shop.  

Home Credit works with authorized service centers that use original parts, so your device gets the proper care it deserves. 

4. Hassle-Free Pick-Up and Delivery 

No time to visit a repair shop? No problem. Home Credit will arrange for a courier to pick up your broken device and deliver it back to you after repair—at no extra cost.  

5. Device Replacement When Repair Isn't Practical 

Some damages cost more to fix than the device itself. If your claim is approved, Home Credit can replace your gadget with a refurbished one of similar value and features—so you’re never left without a device. 

6. Quick Turnaround Time 

You won’t have to wait too long to get your device back. Repairs are usually done within 1 to 3 business days in Metro Manila, 5 to 7 days in key cities, and up to 20 days in provincial areas. That means less downtime and more screen time. 

7. Coverage Even While You’re Abroad 

Traveling outside the country? If something happens to your device while you're overseas, you're still covered—just report the damage within 60 days and file your claim once you’re back in the Philippines. 

8. Simple and Flexible Claim Process 

No need to stress when filing a claim. You can contact the claims team via email, phone, website, or even through social media. Just provide the necessary info, and they’ll guide you step-by-step. 

Home Credit offers three simple and flexible protection plans that you can add to your device loan—each designed to suit your needs and budget:  

1. 2-Year Device Protection 

• Coverage: 2 years for accidental or liquid damage plus 1 year of extended manufacturer warranty. 
• Ideal for: High-value devices and users who want full peace-of-mind for the long haul. 
• Cost: As low as ₱3.08 per day (spread across your monthly installments)  

2. 1-Year Device Protection 

• Coverage: 1 year for accidental or liquid damage and 1 year of extended warranty. 
• Ideal for: Short-term coverage needs—perfect for newer but still valuable gadgets. 
• Cost: Around the same low daily rate, adjusted by device price  

3. Extended Warranty Only 

• Coverage: Adds just an extra year of warranty coverage after the manufacturer’s warranty ends—no accidental damage included. 
• Ideal for: Users who want protection against mechanical failures but are careful with their device. 
• Cost: Lowest of the three, budget-friendly daily rate included in your installment 

When you buy a home appliance (like a fridge, TV, washing machine, or aircon) through Home Credit, you can add Appliance Protection to your installment or loan.  

Think of it as a safety net for your next big purchase. You get support if it breaks, malfunctions, or gets damaged unexpectedly. 

When you buy an appliance using Home Credit, it’s not just a purchase—it’s an investment for your home.  

But what if something goes wrong? Repairs can be expensive and stressful. That’s why Home Credit’s Appliance Protection Plan is a smart add-on. Here's what it does for you: 

1. Covers Accidental Damage and Spills 

Appliances can get damaged in ways you didn’t expect—maybe a glass of water spills into your microwave, or a power surge affects your washing machine.  

This plan helps cover those kinds of accidents, so you don’t have to worry about paying for repairs out of pocket. 

2. Adds an Extra Year to Your Warranty 

Most appliances come with a 1-year manufacturer’s warranty, which only covers certain types of issues. After that year is up, you’re usually on your own.  

With this plan, you get one more year of protection, giving you up to 2 years of total coverage for malfunctions or defects—even if they happen after the original warranty ends. 

3. Repairs Are Done Right—Using Real Parts 

If your appliance breaks down, you won’t have to settle for low-quality repairs.  

Home Credit sends your appliance to authorized service centers that use original parts made for your specific brand. This keeps your appliance working like new, without compromising quality. 

4. Hassle-Free Service with Pick-Up or At-Home Repairs 

Large appliances like refrigerators and TVs are hard to carry around. With this plan, you don’t need to bring them anywhere.  

For minor issues, technicians can fix them at your home. If it needs to be brought in for servicing, Home Credit will handle the pick-up and delivery for free—so you don’t have to lift a finger. 

5. Appliance Replacement If It Can’t Be Fixed 

Sometimes, repairs just aren’t possible or cost too much. If the damage is beyond repair, Home Credit can replace your appliance with a similar model— or a refurbished one—so you’re not left without an essential item at home. 

6. Fast Repair Times 

You won’t have to wait weeks to get your appliance back. Home Credit aims to finish repairs within 1 to 3 working days in Metro Manila, 5 to 7 days in big cities like Cebu or Davao, and up to 20 days in more remote areas. 

7. Easy Claiming Process—No Complications 

When something goes wrong, making a claim is simple. You can reach our service providers through email, phone, their official website, or even social media. Just make sure to check which provider is listed in your Certificate of Coverage before contacting them.

Home Credit lets you choose from three easy-to-understand protection options when you buy appliances with your loan.  

You can view and manage your plan conveniently in the Home Credit App, and you'll receive all the details via email after you sign up.  

1. 2-Year Appliance Protection 

• Duration: 

2 years of accidental damage & liquid spill coverage (ADLD). 

1 extra year of extended warranty (EW) after the manufacturer’s warranty ends. 

• Cost: Starts at around ₱3.33 per day, added to your monthly installments  
• Best for: Those who want long-term peace of mind—especially for more expensive items like refrigerators, washing machines, or TVs. 

2. 1-Year Appliance Protection 

• Duration: 

1 year of ADLD coverage, plus 

1 year of EW after factory warranty expires. 

• Cost: Approximately ₱5.82 per day, built into your installments  
• Ideal for: Buyers who want full coverage for the first two years but don’t need long-term protections. 

3. Extended Warranty Only (EW) 

• Duration: 1 year of EW coverage ONLY—after the manufacturer's warranty ends. 
• Cost: About ₱4.93 per day, included in your monthly loan payment  
• Perfect for: Items that are less likely to get accidentally damaged (e.g., stand-alone audio systems or less fragile appliances). 

While Home Credit’s Device Protection offers solid coverage for mishaps, there are some situations where it won’t apply. Here's a helpful breakdown:  

1. Intentional or Abusive Damage 

• Damage caused on purpose (e.g., throwing your phone) 
• Damage from reckless or unsafe use (e.g., device falling off your motorbike while texting) 

2. Loss or Theft 

• Lost or stolen devices aren’t covered—only physical damage is included 

3. Misuse or Unauthorized Changes 

• Damage from illegal use or misuse (e.g., overload, experimenting, intentionally misconfiguring) 
• Any breakdown after tampering, unauthorized repairs, or opening the device 

4. Mechanical Wear & Software Issues 

• Regular wear and tear, battery degradation, cosmetic flaws (scratches, dents) 
• Software problems—not covered unless caused by manufacturing defect 
• Data loss, SIM or memory card issues 

5. Excluded Costs & Parts 

• Reimbursement for third-party repair costs not approved by the plan 
• Replacement of accessories (chargers, headphones, cases, batteries, consumables) 
• Any expenses already covered by manufacturer recall or warranty 

6. Fraud or Unverifiable Claims 

• Claims flagged as fraudulent or deceptive 
• Defects under manufacturer recall and breakdowns already covered during the original warranty 

That’s right—you can enjoy all these benefits for just around ₱3 per day, depending on your device or appliance loan terms.  

The best part? It’s automatically added to your monthly Home Credit installment, so you won’t even feel the extra cost. 

To get Device and Appliance Protection with your Home Credit product loan, just add it during your loan application.  

You can do this right in the Home Credit App or by asking a sales associate at any partner store while applying.  

The good news? There’s no separate payment—the cost of the protection plan is simply added to your monthly installments, so it’s easier on your budget. 

1. Select Product Loan on the Home Credit App or when buying in-store  
2. Choose Device Protection or Appliance Protection (or other plans you fancy). 
3. Sign it up, pay within your installment, and chill—you’re protected.