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Posted by mark (ip:)
  • Date 2014-06-11
  • Recommend Recommend
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Home Credit Philippines aims to provide world-class in-store financing (non-cash loans directly in stores) to qualified customers seeking to purchase consumer durable goods such as home appliances, electronic goods and mobile phones.

Home Credit Group is a leading global consumer finance provider with a prominent presence and leading market share positions across Europe and Asia. We are focused on providing affordable, flexible, simple and convenient loans to consumers through our advanced loan processing system.

What are the benefits of a Home Credit loan?

  • Affordable: Easy to obtain loans: providing equitable loans for the purchase of consumer durables, personal electronics, mobile phones and bikes.
  • Fast: No annoying and unnecessary delays: you can leave the store with your purchase there and then. Speedy approvals supported by our advanced IT system and unique risk management approach.
  • Convenient: In-shop loan processing: practical and straightforward. Just a few every day documents needed. No credit card is required!
  • Simple: Terms and conditions that are easy to understand (no mumbo jumbo jargon, no tricks and no hidden agendas). Our loans are non-collateralized.
  • Flexible: We understand that everybody has different needs and capabilities. We offer a wide range of products so our customer can choose according to their requirements and personal situation (from first down payment to monthly installments).
  • Caring: We are happy to help and easy to talk to with superior customer care, a fully staffed call centre and we stay in touch through regular mailing etc.
  • Renowned: You can trust us: we are a leading global consumer finance company and follow the highest standards of business practice in all our dealings with customers, employees, investors and other stakeholders.

The service is simple. The customer applies on the spot and gets the goods very quickly.

  1. The customer makes a credit application in the shop through a Home Credit sales agent/representative. There are simple document requirements; a credit card is not needed.
  2. The application is submitted to Home Credit for processing... and notification is sent directly back once the application is evaluated.
  3. The customer leaves the shop with the item.
  4. Home Credit makes the payment for the item to the shop upon submitting all the customer's contractual documents.
  5. The customer pays for the item by monthly installments to Home Credit.

Applicant must be:

  1. A Filipino citizen
  2. Resident of Metro Manila or nearby provinces (find the white list areas)
  3. Employed at least three months, self-employed, businessman, pensioner, or receives regular remittance
  4. 18-62 years old

Applicant must have:

  1. Primary I.D. (TIN, SSS, GSIS, Driver’s License, Voter’s ID, Passport, UMID, PRC)
  2. Supporting documents (Philhealth Card, Credit/Savings Card, Postal ID, NBI, Company ID, Remittance, Salary Slip, Certificate of Employment, Bank Account Statement, Electricity Bill, Water Bill, Phone Bill, Mobile Bill, Barangay Certificate/Clearance.
How and Where to Pay
Payments can be made via branches and other facilities provided by various service providers with whom Home Credit Philippines co-operates.

The detailed addresses of all such partners and more information about the payment methods are mentioned below:



* For more information on Payment Center locations, visit 

Additional information on payment kiosks/branches can also be found by calling our customer care number
 (02) 7535711 or email us

Guidelines for customers while making payments:

  • Contract number as stated on the Consumer Financing Agreement shall be used as a reference number for payment. Home Credit Philippines shall not be responsible if the payment is made to a wrong contract number.
  • Customers should be aware of the Due date of payment and Installment amount.
  • Customers shall make the payment 3 days before the Due date.
  • When making a payment, the customer is liable to pay the required Transaction fee to the service provider for using the facility if applicable.
  • Customers are advised to retain the receipts till the payment of the loan amount (and related charges if applicable) is completed.
  • Check payments or any other modes of payments than the ones stated above shall not be accepted.

Partial Early Repayment

In case you want to make a partial early repayment of your Home Credit loan, please download and fill in the Request for Partial Early Repayment and send it to the following address:


HC Consumer Finance Philippines Inc.
Union Bank Plaza Building
35/F Meralco Avenue Corner
Onyx Road Ortigas Center
Pasig City 1600, Philippines

HOME CREDIT White List Areas

  • Caloocan City
  • Las Pinas City
  • Makati City
  • Mandaluyong City
  • Marikina City
  • Muntinlupa City
  • Paranaque City
  • Pasay City
  • Pasig City
  • Pateros
  • Quezon City
  • San Juan City
  • Taguig City
  • Valenzuela City


  • Tondo I/II
  • Port Area
  • San Nicolas


  • Antipolo
  • San Mateo
  • Cainta
  • Taytay
  • Angono
  • Binangonan
  • Rodriguez (Montalban) – areas near NCR


  • Bacoor
  • Imus
  • Dasmariñas
  • Kawit
  • Carmona
  • Gen. Mariano Alvarez


  • San Pedro
  • Biñan
  • Cabuyao
  • Sta. Rosa


  • Balagtas
  • Bocaue
  • Bulacan
  • Marilao
  • Meycauayan
  • San Jose Del Monte
  • Sta. Maria

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