Home Credit Payment Guide

1. Open GCash and Log In – Launch your GCash app and log in with your MPIN. Make sure you have an active GCash account. If not, register for GCash and add funds to your wallet first.
2. Ensure Sufficient Balance – Check that your GCash wallet has enough money to cover your Home Credit payment plus any service fee (GCash charges around PHP 15 for Home Credit bills).
3. Go to Pay Bills – In the GCash app home screen, tap “Pay Bills.” Then navigate to the Loans category (or use the search bar) and select “Home Credit” as the biller.
4. Enter Account Details – Provide the required information. This typically includes your Home Credit Contract Number or Account Number, the exact amount you wish to pay, your phone number, and email (for the receipt). Double-check that your account number is correct to avoid misdirected payments.
5. Confirm the Payment – Review the details you entered, then tap “Next” or “Confirm.” GCash will ask for your MPIN to authorize the transaction. Once you input it, the payment will process.
6. Receive Confirmation – After a successful payment, GCash will display a confirmation screen and send you an SMS receipt. Home Credit typically posts GCash payments within a few minutes up to 24 hours. You should also get a confirmation from Home Credit (via SMS or the Home Credit app) once the payment is applied to your loan.

1. Log In to Your Online Banking – Access your bank’s online banking website or mobile app and log in to your account. (Examples: BPI Online, BDO Online Banking, Metrobank Online, etc.)
2. Find the Bills Payment Section – Navigate to the Bills Payment or Pay Bills section. If required, choose “Add New Biller” and search for Home Credit in the list of billers. Some banks list it under loans or financing companies.
3. Enter Your Home Credit Details – Input your Home Credit Loan Account or Contract Number as the reference/account number for the biller. Enter the amount you need to pay. Ensure all details (especially the account number) are correct.
4. Confirm the Transaction – Submit the payment. The app/website will show a confirmation screen or reference number for the transaction. Save or screenshot this confirmation for your records.
5. Note the Processing Time – In many cases, the payment will be posted quickly. UnionBank, for example, posts Home Credit payments in real-time, whereas BDO and RCBC may take 1–2 banking days to reflect. Typically, you will receive an SMS from Home Credit within 48 hours confirming the payment. If your bank offers email or text receipts for bill payments, keep those as proof until the payment is confirmed on your Home Credit account.

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1. Visit an Authorized Payment Center – Go to a partner store or payment center that accepts Home Credit payments. Common options include 7-Eleven (use the CLiQQ kiosk or app to generate a barcode for bills payment), Palawan Pawnshop/Palawan Express, SM Department Store (Customer Service/Bills Payment counter), USSC branches, or TouchPay self-service kiosks.
2. Bring Your Account Information – When you arrive, let the cashier or staff know you want to pay a Home Credit loan. Provide your Home Credit Contract Number/Account Number and your name. If you have a payment barcode from the Home Credit app or text message, present it for scanning (7-Eleven’s CLiQQ kiosk will print a barcode receipt for payment after you input your details).
3. Pay the Amount Due – Hand over the cash for your installment amount. The cashier will process the payment. Note that some centers charge a small service fee (for example, 7-Eleven or Palawan Pawnshop may add a minimal fee).
4. Collect the Receipt – Obtain the official receipt or acknowledgment slip from the payment center. This is proof that you paid. Before leaving, double-check that the details (account number, amount, date) on the receipt are correct.
5. Verify Posting – Over-the-counter payments might not reflect instantly. Typically, Home Credit will send an SMS confirmation within 24–48 hours once they receive and post the payment. Keep the receipt safe in case you need to follow up or if any issue arises with the posting.

Follow the instructions below for each payment method to ensure a smooth transaction:

Paying via Home Credit App or Website

1. Log In to the Home Credit App or Website – Open the Home Credit app on your phone (or go to the Home Credit website) and sign in to your account. If you haven’t used it before, download the app and register using your loan details.
2. Go to the Payment Section – Navigate to the “Pay Loans” or “Payments” section. On the website, you might find a Pay Loans page; in the app, look for a payment or bills option.
3. Enter Payment Details – Your Home Credit account number or loan details should already be linked if you’re logged in. Choose a payment source (you may link a bank account or debit card if required) and enter the amount you need to pay (or select the installment due).
4. Confirm the Payment – Review the details and confirm the payment. There are usually no additional fees when paying directly via Home Credit’s platform, and the payment posts immediately to your loan account.
5. Save the Confirmation – After payment, you should see a confirmation screen. You will also receive a confirmation via SMS or Viber shortly (typically within a few minutes to 48 hours), and an e-receipt via email in about 2 days. Save these for your records.

Here are the main channels you can use to pay your Home Credit loan:

• Home Credit App or Website: Pay directly through the Home Credit mobile app or website. This method is convenient and often free of service fees, with real-time posting of payments to your account (you’ll usually get confirmation via SMS within 48 hours).
• GCash: Use the popular GCash e-wallet to pay your Home Credit bill. GCash allows quick payments through its Pay Bills feature. A small convenience fee (around PHP 15) may apply, and payments typically reflect within the same day or up to 24–48 hours.
• Online Banking / Bank Transfer: Pay via your bank’s online banking platform or mobile app. Many major banks in the Philippines (like BPI, BDO, Metrobank, RCBC, UnionBank, etc.) support Home Credit as a biller. This channel is secure and usually free. Some banks post the payment in real-time or within 1–2 days.
• Over-the-Counter: If you prefer paying in cash or in person, you can visit Home Credit’s partner outlets. These include 7-Eleven (CLiQQ kiosks), Palawan Pawnshop/Palawan Express, SM Department Store (bills payment counters), USSC, and TouchPay kiosks. Just bring your account details; a service fee might apply at certain centers.