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Thinking about getting a cash loan, product loan, or checking out other Home Credit offers? Here's a simple guide to help you see if you qualify—no stress, just the basics you need to know.
Published June 04
Naghihintay ng cash loan offer from Home Credit? O baka naman ay gusto mong mag-avail ng HC Credit Card.
Like any responsible finance company, we offer our loans and services to people who meet the requirements first.
Learn the requirements of our Home Credit Product Loan, Cash Loan, HCQWARTA, Credit Card, and HC Protect Plan!
Our product loan lets you shop any item from your favorite brands or stores. You then pay it in installments, at rates as low as 0% interest.
Our product loan is the only loan available to first-time users. Here are the requirements:
The valid IDs we accept are either Primary or Secondary IDs. You must provide 1 Primary ID, while Secondary IDs will only be required if needed.
For example, the PRC ID is a Primary ID. But, we will require you to provide a Secondary ID with address if you choose to have your PRC ID as your Primary. See our list of accepted valid IDs below!
Primary IDs:
Secondary IDs:
*Tip: If you have availed a product loan, make consistent payments, so you can unlock our other loan offers.
Our cash loan provides you with funds that can be used for future or immediate needs such as medical bills, home repairs, or tuition fees.
To be eligible for a Home Credit Cash Loan, you need to meet these requirements:
Maintain a good credit standing and avail of other Home Credit products offered to you to increase your chances of getting a cash loan offer.
Once you qualify for a cash loan, an offer will appear in the app for you to accept.
HCQWARTA is our virtual credit line. Think of it as your online money with us that lets you buy load, pay bills, scan QRPh, and more. Simply repay us every HCQWARTA due date so you can use it again.
There are two ways to get HCQWARTA:
The HC Credit Card can be used for card transactions wherever you go to shop, dine, and more. It is a Visa EMV Classic credit card, accepted at over 400 partner stores nationwide.
To be eligible for an HC Credit Card offer, you can either be a first timer who applied for a product loan or an existing customer who previously loaned with us.
If you qualify for the credit card, we will notify you via SMS, call, or email saying you’re eligible for an HC Credit Card.
HC Protect is our comprehensive plan to keep you, your loved ones, or your assets safe. It involves benefits that you can choose as add-ons to the Home Credit product or cash loan you’re applying for.
Any product or cash loan applicant is eligible for HC Protect. Pick or choose any of the protection plans above when applying for a loan through the app.
Explore more of what we offer by applying now for a loan! Enjoy your Home Credit offer when you start today.
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