15/09/2026
How to Apply Home Credit ?
Must :
* Filipino resident, 18–68 years old
* 1 valid primary ID with your current/permanent address
* Reliable source of income
* Down payment, depending on your eligibility and the product/plan
Step-by-step
1. Download the Home Credit Philippines app
Install the official Home Credit app on your phone and register/login using your mobile number.
2. Check for Product Loan
After logging in, look for the “Product Loan” option/banner and start the pre-approval process.
3. Complete the application/pre-approval
Enter your personal information and other information requested by the app. Make sure your information is accurate.
4. Check your loan offer
If you’re eligible, the app will show your available product-loan options. You can check the possible installment terms and estimated payment.
5. Choose the product you want to buy
Go to a Home Credit partner store and choose your phone, appliance, laptop, TV, or other eligible product. You can also browse available deals through the app.
6. Look for a Home Credit Sales Associate
Tell the Sales Associate that you want to purchase the item through Home Credit installment.
7. Bring the same valid ID
Bring the same ID that you used during your app pre-approval. The Sales Associate will assist you with the application.
8. Choose your payment terms
Depending on your eligibility, you may be offered different terms such as 6, 9, 12, 18, or 24 months. Your required down payment and final monthly installment depend on your eligibility.
9. Wait for the approval
Home Credit says product-loan applications can be approved in as little as one minute, although actual processing can vary.
10. Review before signing
If approved, carefully check:
* Down payment
* Monthly installment
* Number of months
* Total amount payable
* Interest/fees, if applicable
* Any optional services
11. Sign the agreement
Once everything is correct and you’re comfortable with the terms, complete the loan agreement.
12. Get your product 🎉
After completing the process, you can take home the purchased item according to the store/Home Credit’s release process.
