My Home Credit-Loan,Load,Bills apk app v9.19.1 for android

The Official Mobile App of Home Credit Philippines



Trusted by millions worldwide, Home Credit empowers Filipinos by providing financial access through responsible lending with affordable loans and flexible installment plans. No credit card or collateral required!



Home Credit also offers shopping through the Home Credit Marketplace and deals & discounts through our Home Credit Smile Discounts program. You can now also buy load and pay your bills at the convenience of your home making My Home Credit your everyday financial partner app.



Easily Apply for Loans



Looking for a new phone, laptop, gadget, home appliance or furniture? Get loans tailored just for you! Apply online through the mobile app and get pre-approved for a quicker transaction process.



 Shop on Installments



Buy now, pay for later any item from phones, laptops, gadgets & more with the new Home Credit Marketplace! Pay in low monthly installments for as low as 0% interest or pay in full using cash!



Manage Your Payments



Pay loans and manage your repayment schedule online. Setup automated repayment using your debit cards. No more missed payment!



Buy Load, Pay Bills and Pay via QR using Home Credit Qwarta!



Buy load for Globe, Smart, Sun, Talk 'N Text, Touch Mobile and DITO, Pay Bills for almost 250+ billers and Pay via QR directly to stores that support QR PH standard and even QR codes of our Partners like Maya and AUB. Get all these benefits with your Home Credit Qwarta (no need to apply, bundled with your Product Loan!)



Explore Great Promos and Discounts



Home Credit Smile Discounts through partner merchants bring you exciting offers nationwide!



Manage Your Home Credit Card



Activate your Home Credit card, track your credit card spending and take control of your credit card security. 



Apply for Cash Loans



Cash loans that are flexible, with easy application process and fast approval! From minimum of 3 months up to 60 months repayment period, our Cash Loan starts at 24% up to 77% Annual Percentage Rate (APR).



Interest Rate

Minimum – 1.99% per month; 23.88% p.a

Maximum – 6.45% per month (only for loan terms 6 months and above); 77.4% p.a

*Interest rates vary per customer



Fixed Processing Fee: Php 500 (deducted from amount to be disbursed, not on top of loan amount)



Amount and Term

Loanable Amount – From PHP 3,000 to PHP 150,000

Loan Term – From 3 months up to 60 months

*all parameters vary per customer



Sample Calculation

Loan Amount: PHP 15,000

Loan Term: 12 months

Interest Rate: 1.99%

Loan Processing Fee – PHP 500 (fixed amount)

Monthly Installment: PHP 1,418

Total Loan Cost: PHP 17,516



How we protect your privacy

We respect the privacy of our customers and users of our online platforms like our mobile application. We strive to embed privacy in all of our processes in compliance with Republic Act No. 10173 also known as the Data Privacy Act of 2012, its implementing rules and regulations, and other issuances of the National Privacy Commission.



You may visit: https://homecredit.ph/privacy-policy/ to learn more about how we are committed to protect your privacy



On Mobile App Permissions

The application may request that you activate permissions including but not limited to location, emails, messages, phone calls, camera, calendar and contacts. We use these permissions to determine creditworthiness, prevent fraud, collections, and to comply with the Know-Your-Customer rules imposed by the Bangko Sentral ng Pilipinas. 



You may deactivate the permissions requested by the Home Credit mobile app after the submission of any application for our services. However, certain features or resources meant to enhance security or usability may not work or produce a degraded experience for you.



HC Consumer Finance Philippines, Inc.

SEC Reg. Number: CS201301354

Certificate of Authority Number 1071 issued 07 April 2017

Please read carefully the terms and conditions before proceeding with a loan transaction.