Here’s What You Need to Know About Home Credit’s Products

If you're new to Home Credit, you're in the right place to explore how its diverse set of financial products can empower you to take charge of your future. Home Credit offers a range of options that cater to different needs, providing flexibility and support as you navigate your financial journey. 

In this article, we'll break down these products to show you how they can help make managing your finances easier, smarter, and stress-free. Whether you're looking to finance purchases, manage payments, or access Cash Loan, Home Credit has the tools to simplify your financial life Para sa Life.

Home Credit's Product Loan is the ideal solution for your shopping needs. It allows you to buy any product you desire and pay in convenient monthly installments, eliminating the need to pay the full amount upfront. With flexible repayment options, you can enjoy your purchase while managing your budget.

Why Choose Home Credit’s Product Loan: 

• Instant Approval: Get processed in as fast as 1 minute. No waiting in line or waiting for days. 
• Flexible Payment Plans: Choose from 6 to 24 months terms to fit your budget 
• Interest rates as low as zero: Less added fees for less stress 
• No credit card needed: Save yourself from long application processes 

Ready to treat yourself to something new? Whether it’s a laptop, an inverter refrigerator, a washing machine, or a speaker, Home Credit’s Product Loan allows you to make your purchase now and pay in manageable installments, simplifying your financial planning.

Looking for fast cash loans for your financial goals or unexpected expenses? Home Credit's online loans can help! Enjoy competitive interest rates, and flexible cash loan amounts for your needs.

Why Choose Home Credit’s Cash Loan: 

• Instant Approval: Apply for a cash loan and get approved in just a minute. 
• Wide Cash Coverage: Get instant cash up to P150K. 
• Flexible Payment Plans: Choose how you want to pay, from 6 to 60 months.  

When life’s unexpected situations arise, Home Credit’s Cash Loan provides quick access to the funds you need. With fast approval, you can get the support you need right away and keep moving forward without the stress of financial delays.

HCQWARTA is a virtual credit line of Home Credit that you can use to buy load, pay bills, pay for your Puregold groceries by generating a barcode, top-up your Lazada wallet, and buy discounted vouchers.

Why Choose HCQWARTA: 

• Buy Load Now, Pay Later: You can buy load and worry paying later. 
• Settle Bills Now, Pay Later: Enjoy zero added fees when you pay your bills using your phone 
• More affordable: Get 3% discount when buying load on all networks 

With HCQwarta, managing your load purchases and bill payments has never been easier. This fast and convenient digital platform offers a flexible way to handle your finances, making everyday transactions seamless and stress-free.

The Home Credit Card is a Visa EMV Classic Credit Card issued to valued Home Credit customers, that you can use for contactless or online payment channels.

Why Choose Home Credit Card: 

• Contactless Payments: Enjoy hassle-free transactions in a few taps when you shop online. 
• Secure Transactions: Stay protected with EMV chip, PIN, and SMS alerts on your card. 
• No Added Fees: Pay bills effortlessly and with zero fees using the Home Credit App. 
• Rewards and Promos: Exclusive deals, promos and perks await as Home Credit Card user. 

Make everyday purchases rewarding with the Home Credit Card. Enjoy secure payments, interest-free up to 45 days, with VISA-accepting merchants worldwide. 

Home Credit Protect or HC Protect is a comprehensive insurance plan that comes in different types to give additional protection for you and your family. Get to know the different HC Protect plans you can avail below: 

Appliance and Device Protection 

Smartphones and appliances often come with a high price tag, so it’s crucial to protect them from accidental damage. Appliance and Device Protection covers Accidental Damage & Liquid Damage (ADLD) and provides an Extended Warranty for your phone or appliance after the manufacturer’s coverage ends. For just ₱3 per day, add this plan to your product loan and keep your devices safe from accidents.

Borrower Protection 

The Borrower Protection Plan is a value-added service for product loans, offering benefits like free unlimited online consultations, installment waivers during hospitalization, and hospital cash benefits for sickness or injury.

Home Protection 

The Philippines faces an average of 20 typhoons annually, putting your property at risk. Home Protection or simply Home Protect offers coverage for your home structure and valuables against disasters such typhoons and earthquakes, fire, and theft for ₱1,188 per year or just ₱3.25 per day. Get up to ₱50,000 worth of protection, including all eligible products at your home, whether purchased through Home Credit or not.