How to Pay Home Credit via GCash - Step-by-Step Guide

Last updated: Feb 28, 2025Written by: personalloan.ph

Paying your Home Credit loan through GCash is a quick and convenient way to settle your bills without needing to visit a payment center. If you're wondering how to pay Home Credit via GCash, you're in the right place. In this guide, we'll walk you through each step of the process to make a Home Credit payment using the GCash app. We’ll also answer some frequently asked questions about using GCash for Home Credit payments, so you can complete your transaction with confidence.

Step-by-Step Guide: Paying Home Credit via GCash

Follow these simple steps to pay your Home Credit loan using the GCash mobile wallet:

  1. Open the GCash app and log in. Launch the GCash app on your smartphone and log in with your mobile number and 4-digit MPIN. (If you don’t have GCash yet, download the app from the App Store or Google Play and register for an account first.)
  2. Ensure you have sufficient GCash balance. Before paying, make sure your GCash wallet has enough funds to cover your Home Credit payment plus a ₱15 service fee (GCash charges this fee for Home Credit bill payments). You can cash in or add money to your GCash wallet through online banking, linked accounts, or other cash-in channels.
  3. Tap “Pay Bills” on the GCash home screen. On the main dashboard of GCash, find and tap the "Pay Bills" icon. This will take you to the bills payment section of the app.
  4. Select the “Loans” category. Inside the Pay Bills section, the billers are grouped by categories such as Electric, Water, Telecoms, etc. Scroll through and choose "Loans" as the category to find loan and financing companies.
  5. Find and select “Home Credit” as the biller. In the Loans category, scroll down or use the search bar to locate "Home Credit." Tap on Home Credit when it appears in the list of billers. (Tip: Typing “Home” in the search box can quickly filter the list.)
  6. Enter your Home Credit payment details. You’ll be prompted to provide specific information for your Home Credit loan payment:
  7. Confirm the payment details. After filling in all the fields, review the information carefully. Ensure your Home Credit contract number and the payment amount are correct. A mistake in the contract number could credit someone else’s account or result in an unposted payment, so double-check everything. Once you’re sure all details are accurate, tap “Next” or “Confirm.” GCash will show a summary of the transaction for you to verify.
  8. Authorize and complete the payment. GCash may ask you to input your MPIN again or an OTP to authorize the payment. Enter the required security confirmation to proceed. After authorization, GCash will process the transaction.
  9. Wait for the confirmation message. In a few moments, you should see a confirmation screen in the GCash app that your payment was successful. GCash will also send a text message (SMS) confirming that the Home Credit bill payment has been made. Take a screenshot of the confirmation or save the receipt sent to your email (if you provided one) for your records.
  10. Check that your payment is posted to Home Credit. Home Credit typically updates your loan account within 24 hours of your GCash payment. You should receive a confirmation from Home Credit (via email or SMS) once they have credited the payment to your account. You can also log in to your Home Credit account (through their app or website) to verify that your balance or next due date reflects the payment. If the payment isn’t posted after one day, don’t panic – we’ll address what to do in the FAQ section below.

By following these steps, you can pay your Home Credit account via GCash in just a few minutes. This method saves you the time and hassle of going to a payment center or bank. With your Home Credit loan taken care of through GCash, you can avoid late fees and enjoy the convenience of managing your finances right from your phone.

Tip: For even faster transactions next time, you can save Home Credit as a biller in GCash. After a successful payment, GCash often gives an option to save the biller details. This means next time you pay, you won’t need to enter the contract number again. You can also set a reminder or scheduled payment in GCash so you never miss a due date.

PersonalLoan.ph – More Options for Emergency Funds

While paying off your existing loan is important, there may be times when you need additional cash for emergencies or other expenses. PersonalLoan.ph is a platform that can help in such situations. It allows you to explore a variety of legitimate loan apps in the Philippines, all in one place. If you find yourself needing extra funds beyond your Home Credit loan, you can visit PersonalLoan.ph to compare different loan options and providers. This gives you more choices to secure the money you need and can help improve your financial stability by finding a loan that best fits your needs.

Home Credit Customer Service Guide
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FAQ

Yes. Paying your Home Credit loan through GCash is safe and secure. GCash is a reputable mobile wallet regulated by the Bangko Sentral ng Pilipinas (BSP). It uses encryption and multiple security measures (like OTPs and MPIN) to protect your transactions. Home Credit is an authorized biller in the GCash app, so when you pay through GCash’s Pay Bills feature, you’re using an official and secure channel. Just make sure you only use the official GCash app and double-check that you are selecting the legitimate Home Credit biller.

Yes, there is a small convenience fee. GCash currently charges a ₱15 service fee for each Home Credit loan payment made through the app. This fee will be added on top of the amount you are paying to Home Credit. For example, if your due amount is ₱1,000, your GCash wallet will be deducted ₱1,015 in total. The ₱15 is a processing fee. (This fee is set by GCash for bill payments; other billers have different fees, but for Home Credit it’s ₱15.) There are no other hidden charges beyond this, and you’ll see the fee displayed before you confirm the payment.

Home Credit payments made via GCash are usually posted to your loan account within 24 hours. In many cases, it might even reflect within a few hours or by the next business day. Once you complete the payment in GCash, GCash will send the funds to Home Credit. Home Credit then updates your account and should send you a confirmation via email or SMS when they receive the payment. If you check your Home Credit app or online account, you should see the payment reflected (your outstanding balance lowered or next due date updated) typically by the next day. If it’s been more than 24 hours and you still don’t see the payment in your Home Credit account, you may want to contact GCash support or Home Credit customer service (see the troubleshooting question below).

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