Home Credit Online Loan App 4+

Online Credit Loan App Partner

HC Consumer Finance Philippines, Inc.

    • Free

iPhone Screenshots

Description

Experience the Go-To Online Loan App in the Philippines!

Welcome to the Home Credit App, the trusted online loan app Philippines! With innovative quick loan, installment loan, managing loan credit and loan app finances has never been easier. Experience flexible quick loan payment terms, exclusive installment loan deals, and a seamless loan app process with us.

Why Use Home Credit Online Loan App Philippines?

Easy Loan Options: Get quick loan and flexible installment loan plans with the Home Credit App. From new gadgets to home appliances and furniture, our Home Credit Online Loan App Philippines offers product installment loan up to PHP120,000 with 1-minute loan processing time!

Buy Now, Pay in Installment: With ShoppingMall by Home Credit, you can shop online and enjoy the convenient installment loans. Pick up your loan items at shopping malls near you and access exclusive installment loan deals available in the Home Credit Online Loan App.

Home Credit Cash Loan: Need cash? Get a loan of up to PHP 150,000 with loan repayment terms from 6 to 48 months. With interest rates starting at 30% APR, our Online Loan App in the Philippines makes it quick and easy to apply for a cash loan—just 1 valid ID!

HCQWARTA and Home Credit Card: Make everyday purchases easier with HCQWARTA and the Home Credit Card. Use them to buy loads, pay bills, generate Puregold barcode, scan QR codes, redeem vouchers (including GrabGifts), and top-up your Lazada Wallet. Enjoy discounts, rebates, and exclusive deals in the Home Credit App. HCQWARTA offers convenience, savings, quick loan credit, while Home Credit Card offers secure loan credit, contactless payments, and credit promos. Make your purchases simple, secure, and rewarding with the Home Credit Loan App Philippines.

Quick & Easy Repayments: Repay your Home Credit loan effortlessly with 3 available payment methods in the Home Credit Online Loan App. Prefer over-the-counter payment? We're available at Maya, Shopee, Palawan Express, USSC, Touchpay, and more. Prefer online bank account payment? Pay within the Home Credit Online Loan App with our bank partners at BDO, BPI, Landbank, RCBC, and Unionbank. You can pay also using your debit cards affiliated with Mastercard or Visa. Auto-debit arrangement for your loan repayment is also available for account holders of BDO, BPI, Metrobank, Unionbank, Security Bank, PNB, RCBC, and Eastwest Bank. Repay your Home Credit loan online with Home Credit App!

Interest Rates and Fees:
Interest Rate: Minimum – 2.49% per month; 30% p.a. | Maximum – 8.49% per month; 102% p.a.
Processing Fee: 3% or Max PHP1,000 (automatically deducted from disbursed cash loan proceeds)


Sample Loan Calculation:
Cash Loan Amount: PHP15,000
Cash Loan Term: 12 months
Interest Rate: 2.49%
Monthly Installment: PHP1,461
Total Cash Loan Cost: PHP17,537

Privacy & Security: Your privacy is our priority. We comply with the Data Privacy Act of 2012, ensuring your data is protected. Learn more about the privacy policy of Home Credit on our website. The Home Credit Online Loan App may request permissions such as location, email, messages, phone calls, camera, calendar, and contacts to prevent fraud and determine creditworthiness. These permissions can be deactivated after submitting a loan application but may affect certain features.

Contact Information:
HC CONSUMER FINANCE PHILIPPINES, INC.
Doing business under the name and style of HOME CREDIT
SEC Reg. Number: CS201301354
Certificate of Authority Number 1071 issued 07 April 2017

Important Note: Please read the terms and conditions carefully before proceeding with a loan transaction with Home Credit.

Download the Home Credit Online Loan App Today: Get quick and easy access to loans in the Philippines! Enjoy flexible installment loan options, quick online loan processing, and hassle-free repayment. Manage your loan and credit all in one place. Start your journey with one of the top online lending apps in the Philippines—Home Credit App!

What’s New

Version 3.127.9

Explore the latest Home Credit Online Loan App—your trusted partner for quick loans in the Philippines!

Shop for gadgets, appliances, and more through ShoppingMall by Home Credit, with flexible installment options made for you. Easily apply for a product loan and take home your dream gadgets and appliances from the nearest store near you. Also, manage your loan repayments by seeing your loan details and making your payments in the app.

Download the Home Credit App and apply for loan now!

Ratings and Reviews

4.8 out of 5
53.5K Ratings

53.5K Ratings

jownaaaa ,

DO NOT ACTIVATE YOUR QWARTA!!!

Home Credit used to be so convenient for me, but then an agent activated my qwarta. At first I thought it was really useful but then their app started to have glitches. Transactions are "successful" on qwarta's end but they do not really go through the merchant's account (either Maya or Gcash). This happened to me two times and you know what's the worse part? Their CSRs WON'T ASSIST YOU. They would leave in the middle of your conversation without notice (very unprofessional- if only I can attach screenshots) You'll feel like begging for assistance. Till you just give up and the failed transactions are just deducted to your credit limit. You can't do anything about it and that has an interest everyday. Imagine getting charged for something that did not go through successfully and put interest on it and you pay for all of those. Really traumatic. I even had to file for dispute and go for all that trouble just because their app doesnt work properly. DO NOT ACTIVATE YOUR QWARTA!

Developer Response ,

We regret to know about this experience, jownaaaa. We always aim to provide the best customer service experience to our clients, and we also regret that you experienced the other way around. You could DM us on our FB page via bit.ly/HCFBChat and we'd be glad to assist you on your account related concerns. Thank you.

a_fai ,

VERY INCONSIDERATE.

We recently experienced incredibly disappointing customer service at home credit . Despite reaching out with a genuine concern, I was met with rudeness and a lack of empathy. We sincerely ask for an extension of the payment, and we are also willing to pay the interest of the late payment. since one of our family members got admitted in the hospital and we are having issues financially. We emailed them for the extension of the monthly payment, that we will be paying late and the representative just replied that we should pay it on time to avoid penalties, disinterested and unwilling to address our issue, leaving us feeling undervalued as a customer. They flooded multiple call every single day like 15 times a day, even though we already tell them the date that we will be paying, it’s very traumatizing and it pressure us a lot, I know that we should be responsible with our loans but there’s some circumstances that will happen sometimes, we will not run with our loan, it’s just that, please stop calling multiple times because we are aware with our due dates and trying our best to pay it on time. listen with your customer concerns, and provide a resolution, It’s very disappointing when a company fails to prioritize customer satisfaction, and based on this experience, I cannot recommend home credit to others.

Developer Response ,

We regret to know about this experience and we understand your situation right now, a_fai. We always aim to provide the best customer service experience to our clients and we're sorry if you experienced the other way around. We do actually offer a repayment solution for our clients who are having some challenges to settle payment on their loan account with us. You could DM us on our FB page via bit.ly/HCFBChat and we'd be glad to discuss this more to you and for us to accommodate this request. Thank you!

Raonaaa ,

DO NOT USE YOUR QWARTA!!

I was solid customer of HC. I got all my gadgets thru Home Credit. Then they offered me QWARTA coz I availed their product loan. I had no plans on using it but they keep offering and then I tried. It’s just 10k and they just have minimum due like credit cards. Sounds amazing right? But after a while, I noticed they aren’t offering me any product loans anymore like they used to. Before I just go to the mall and avail loans, coz I ALWAYS HAD OFFERS. Now, they said you have to pay the full amount of your QWARTA to be eligible again for a product loan. So do not use your QWARTA coz once you do, that’s the only thing you can get from them. :(

Developer Response ,

Hi, Raonaaa. We want you to know that there are many factors being considered that might affect from receiving an offer from us. We can check the possible offers that we have for you by sending us a message on our FB page: bit.ly/HCFBChat. Thank you.

App Privacy

The developer, HC Consumer Finance Philippines, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contacts
  • Diagnostics
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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