You will receive a notification SMS as a receipt of your over-the-counter or online transfer payment in a matter of minutes. You may view your posted payments conveniently using ourMy Payments web portalorMy Home Credit App.
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You can stay up to date on your account through: My Home Credit App 1. Download and register to the app 2. Log in 3. Select ‘My Account’ My Payment Portal 1. Visit our website and go to My Payment Portal 2. Scroll down and look for Sign in to My Payment 3. Enter your Loan Account Number and Date of Birth 4. Click Log Me In
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You can easily keep track of your monthly statements in My Home Credit App. For loan customers, you can also login via our website. For credit card customers, you can also check the monthly statements we send to you via your registered email address.
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For real-time posting of payment, you may pay your Home Credit loan or credit card in the following payment channels: [Auto Debit Arrangement](/pay-loans/auto-debit-arrangement) - BPI - Metrobank - RCBC - BDO - Unionbank - Security Bank - PNB Over the counter/Online Payment: - Maya - Shopee - Palawan Express - 7eleven - USSC - Touchpay - ECPay Branches - Bayad Center - Mlhuillier - Cebuana Lhuillier - SM Bills Payment
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Kindly check your contract to know if you are eligible for this promo. To maintain eligibility, your account should not have any late payments. If you availed of a grace period in relation to the Bayanihan Act, the accrued interest must also be paid on time. Make sure to pay on time based on your monthly installment schedule and your Gift Payment will be automatically posted on your account at the end of your loan term.
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BARO gives the option to eligible customers to avail of a one-time 60-day grace period with accrued interest for loan and credit card customers with due dates from September 15, 2020 to December 31, 2020.
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According to Bangko Sentral ng Pilipinas (BSP), all banks, quasi-banks, credit card issuers and other BSP-Supervised Financial institutions with lending operations are covered by BARO. Home Credit is one of these institutions.
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Eligible Home Credit Customers are: Those with loans and credit card accounts that are current and don’t have overdue payments as of September 15, 2020 Those with installments due from September 15 to December 31, 2020 Those with credit card purchases before September 15, 2020
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Option 1: You may continue with paying according to your original installment schedule or due dates. There will be no accrued interest on your account. For credit card customers, you will be able to continue using your card. Option 2: For eligible customers, you can avail of a one-time 60-day grace period. You can skip payments for 60 days or 2 months The loan term for your installment will be extended by two months. But keep in mind: There will be an accrued interest applied on your account for the availed grace period. For credit card customers, your card will be blocked during the grace period.
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For eligible customers, we sent an email to your registered email address to discuss your options. You can also call us at (02)77535712.
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We want to make sure that you will continue to enjoy this convenient payment method, thus we will continue to debit payments from your bank account on your scheduled debit dates. For eligible customers, if you wish to temporarily discontinue your auto-debit arrangement, call us at (02)77535712 prior to your scheduled debit dates.
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For loan customers: Accrued interest = Remaining principal amount x monthly interest rate x no. of months in grace period *Accrued interest for loans can be paid one-time or in staggered basis until December 31, 2020. For credit card customers: Regular Transaction Computation Outstanding principal balance (as of cut-off for which grace period will apply) X Daily Interest Rate X # of days balance remained unpaid Installment Plan Computation Unpaid principal balance (as of cut off for which grace period will apply) X Annual Interest Rate X interest period duration (no. of grace period days)/360 *Accrued interest for cards will be charged at the end of the installment schedule.
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We’re encouraging you to make a payment on or before your due date. We are however giving you until 10 days after your due date to settle your payment. This way, your account will no longer have accrued interest and your loan term will not be extended. If we don’t receive the amount due 10 days after your due date, grace period will automatically apply on your account. Loan term will be extended and accrued interest will apply.
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Yes, the grace period will not affect your gift payment eligibility. You just need to make sure to keep your account updated according to the new installment schedule. The accrued interest also needs to be paid in order to be eligible for gift payment.
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We understand that this is a difficult situation for all of us. We are still reviewing how we can assist you further. Please keep your lines open so we can easily contact you.
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We have a lot of payments channels that you can choose from where we accept cash and online payments. For cash payments, you may pay through Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier, Cebuana Lhuillier and SM Bills Payment. For Online Payments can be paid thru Maya, Shopee, PalawanPay, Unionbank, BDO, RCBC and AUB Online Banking.
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Transaction fees are minimal charges from our payment partners. For real-time payment posting partners like Maya at P10 while Shopee, Palawan Express, 7eleven, USSC, Touchpay, ECPay Branches, Bayad Center, Mlhuillier and Cebuana Lhuillier transaction fee is P15.00. For SM Bills payment transaction fee is Php13.
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There are no hidden charges. All payments and fees are included in the disclosure form.
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Yes, anyone can pay on your behalf as long as they have your loan account number and account name.
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Home Credit or HC Consumer Finance
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No other fee aside from the payment transaction fee
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No for now, we only accept cash payments, internet banking payments, debit cards and our payment channels. You also have the option to use Debit Card ( Visa /Master Card or you may use your ( BPI,MB,RCBC, and BDO ) to enroll in auto debit arrangement.
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No, we only accept cash payments, internet banking payments, debit card and online payments through our payment channels partner.
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Payments made via our payment partners are being reflected on a span of minutes. Once payment has been made, you will receive a payment notification via SMS. You may track all your payment transactions viaMy Home Credit Appwhich can be downloaded in Google playstore or through My Payments portal in our websitewww.homecredit.ph.
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We have Full Early Repayment and Partial Early Repayment options that can facilitate an adjustment on your interest. If you are interested, please feel free to chat or call with us so we could assist you further.
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Payment due date is the actual due date of the client, it is also the date when the client signed the contract and went home with the good/s. Recommended Payment Due date is always 3 days earlier than the actual due date (Recommended Payment due date) and aims to prevent any late payment fees.
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If you are having difficulty maintaining your payments, please call (02) 7753 5712 for us to assess if your due date can be moved to a more convenient date for you.
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You must have a savings account with one of the following banks: BPI, Metrobank, RCBC, BDO, Unionbank, Security Bank and PNB
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If you want to enroll for ADA as your payment method during application, please bring your bank account information, such as Full Name registered on your bank and your bank account number. Our Sales Agent will be glad to process your ADA enrollment.
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An SMS will be sent within 15 banking days of filling out the ADA form informing you of the approval or rejection. Should the application be rejected, you are still free to pay your installment through any of our accredited payment channels like Maya, Shopee, Palawan Express, USSC and Touchpay.
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Debiting of payment is based on the recommended due date stated on your account, which is three (3) calendar days prior to your due date. This is done so that in case debiting from your bank account is unsuccessful, you would still have three (3) days to pay the installment through other channels so as to avoid late payment.
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You will receive an SMS & email within the day from your payment to confirm status. You can view your transaction throughMy Payments web portalorMy Home Credit App. But in case that your ADA is unsuccessful, you will receive an SMS notification stating that we were unable to deduct on your account. Please coordinate this with your bank. For the meantime, you may pay your monthly installment through our accredited payment channels.
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Please send an email to [email protected] and include the following details: Loan Account Number Full Name Reason for ADA Cancellation
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The following penalties are implemented for reaching specific days of delinquency, as indicated in your contract: Any time after your due date: + Php 200 30 days past due: + Php 400 60 days past due: + Php 600 90 days past due: + Php 800 Note: Penalties and charges add up separately on top of your unpaid installment/s.
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Send us the following details via "Chat with us": Loan Account Number Client's Complete Name Payment Date Account Holder's Name (must be same as Client’s Name) Bank (where the overpayment will be deposited) Bank Account Number (must be savings account not payroll/cash card accounts) Amout to be deposited (overpayment amount) Proof of Payment (receipt/ online banking confirmation) Bank Address Please note that some banks may have charges for processing the request. However, If you have no bank account, you have to send a signed letter of authorization stating where the refund should be deposited to. This letter is to be sent by MAIL: Attention to Incoming Payments to 11th Floor Vertis North Corporate Tower 1 Diliman Quezon City containing the following details: Client’s Complete Name Payment Date Bank Accountholders Name (where the refund should be deposited to) Bank ( i.e. BDO, BPI..etc ) – where the overpayment should be deposited Bank Branch Requested refund Amount – ( overpayment amount ) Bank Account Number ( not the card number showing on their ATM card, must be savings account not payroll/cash card accounts and must be PNET registered) Relationship to the Bank Accountholder Photocopy of valid government issued ID of Client and bank accountholder PROOF OF PAYMENT (receipt/ online banking confirmation) Note: Letter MUST be signed by both Client and Bank Accountholder —————————————————————————————————————————————– Please be also advised that if in case the refund amount has a bank charge ranging from Php 10 – Php 100, this will be deducted on your overpayment refund amount.
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Please send an email [email protected] the following details: Loan Account Number Name of Account Holder Payment Details (Date of Payment, Amount and Payment Channel) Scanned Copy of Payment Receipt”
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Electronic Auto Debit Arrangement or eADA is a service that lets customers subscribe to an automated debit schedule the bank's online banking app or website.
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You can enroll to eADA if you have an account with any of our partner banks, please visit https://www.homecredit.ph/pay-loans/auto-debit-arrangement for instruction details.: • BPI • Unionbank • RCBC • Metrobank • BDO
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Home Credit customers with an active loan, with savings or checking account, and currently registered to any of our eADA partner bank's online banking system can enroll to eADA.
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Follow these steps: 1. Log in to your bank's online banking app/website. 2. Select ""Home Credit"" as a biller to enroll to eADA and enter your reference number (10-digit loan account number). 3. Select the account to be enrolled. 4. Enter the OTP that you received through SMS/Email to confirm your eADA enrollment. Confirmation screen will appear – successful enrollment. The enrollment process may slightly differ for each bank. For detailed instruction go to Auto-Debit Arrangement page
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Yes, you can -- as long as your current mode of payment is cash or over-the-counter and you have an account with any of our partner banks (Metrobank, BPI, Unionbank, RCBC and BDO), please visit https://www.homecredit.ph/pay-loans/auto-debit-arrangement for instruction details.
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You will receive an OTP (One-Time PIN) through the mobile number registered to your bank account. The contract shall be signed once you have provided the OTP.
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Yes.
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It differs per bank, but eADA enrollment usually takes about 2-3 banking days.
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Yes, you will be notified through SMS once your enrollment has been approved.
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None. You can enroll to eADA as long as you have an active loan with Home Credit, and your current mode of payment is cash or over-the-counter.
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2-3 banking days, depending on your bank.
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The Total Amount Due (including other fees, if applicable) will be debited from your account.
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Yes, as long as your bank is one of our partner banks for eADA.
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Yes, as long as your bank is one of our partner banks for eADA.
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Your bank account will remain enrolled to eADA as long as you have unpaid installment/s.
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Yes, you can enroll both loans to eADA.
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Yes, you may apply anytime as long as you meet the requirements.
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No, unless you requested for your due date to be changed.
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Traditional Auto Debit Arrangement is a service that lets customers subscribe to an automated debit schedule by filling out printed ADA Forms based on selected bank.
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Brankas is an innovative Online Payment Gateway seamlessly embedded within the Home Credit website. With Brankas, you can conveniently settle your Home Credit Loan/Home Credit Card/Home Credit Qwarta directly from your BDO/Landbank/Metrobank/Unionbank savings account.
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No. Brankas is a platform that connects Home Credit's system to the banks' systems.
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Starting March 15, 2024, all Home Credit customers with savings accounts and online banking access to major banks (BDO, Landbank, Metrobank, and Unionbank) can pay on the Home Credit website through Brankas.
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These are the banks supported by Brankas: 1. BDO 2. Landbank 3. Metrobank 4. Unionbank
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Yes. This is available on the Home Credit website, whether you access it via desktop, laptop, or phone.
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This is not yet available on My Home Credit App. Stay tuned for updates!
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Be ready with your 10-digit Loan Account No. (LAN) and online banking account details. Please make sure to enter the correct information.
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Home Credit and Brankas will not store any of your bank details. These details are also masked on both Brankas and Home Credit's systems, which means it is not traceable to a person.
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None. Using Brankas is completely free, so there's no need to worry about any transaction fees.
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You must pay at least Php 200 per transaction.
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You can pay for your loan through the Pay Loans page or your Account Dashboard. Follow the instructions below: PAY LOANS 1. Go to the Pay Loans page. ("Pay Loans" link: www.homecredit.ph/pay-loans) 2. Scroll down to the Payment Details section and fill out all fields. 3. Choose your preferred bank and click on Continue. 4. Review payment details and click on Confirm Payment. 5. The Brankas consent page will be shown. Click on Continue. 6. You will be redirected to your preferred bank's login page. Enter your bank username and password then click on Login. 7. Enter the Login OTP sent to your bank-registered mobile number. 8. Review payment details and click on Confirm. 9. Enter the Transfer OTP sent to your bank-registered mobile number. 10. A confirmation screen will be shown. Click on Done. 11. Transaction receipt will be shown as proof of successful payment. ACCOUNT DASHBOARD 1. Click on the Account button found on the upper right corner of the website. 2. Click on Login. 3. Enter your Account Number and Date of Birth then click on Login. 4. Enter the OTP sent to your registered mobile number. 5. On your Account Dashboard, click on the Pay Now button. 6. Choose the Loan you want to pay and enter the amount. 7. From the payment options, choose a Brankas-supported bank (BDO, BPI, Landbank, Metrobank, RCBC, and Unionbank). 8. Click Continue to confirm. 9. Review the payment summary then click Confirm Payment. (Make sure to read the Terms and Conditions and Privacy Notices before confirming.)
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It will be processed real-time, which means that your payment will be transferred from your bank to Home Credit within a few seconds or minutes.
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Yes. Your payment will be processed real-time, even on weekends and holidays.
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If your payment was successful, a receipt will be shown at the end of the transaction.
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No.
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OTPs are sent by banks to your registered mobile number. This number may or may not be the same one registered to your Home Credit account.
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Transaction will fail and you will be notified to retry.
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The limit of OTP retry requests varies per bank. - BDO: 3 times - Unionbank: Resend feature available on their screen (typically 3 times too). - Metrobank and Landbank: 1 time only
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Please allow 48 hours for payment posting. If more than 48 hours have passed since you made your payment, send the following information to [email protected]: - 10-digit Loan Account No. (LAN) - Transaction No. - Date and time of payment - Amount paid - Payment channel - Copy of Proof of Payment
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No. Only Current and Savings Accounts (CASA) are allowed.
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