Home Credit Philippines (HCPH) is celebrating a major milestone of 12 million customers served as of 2026. At the heart of this success are stories like Jake Apayat’s—a 26-year-old from Bacolod who transformed a single smartphone purchase into a foundation for entrepreneurship.
Jake’s journey began at age 21 when he used Home Credit to finance an iPhone. By maintaining a disciplined payment record, he unlocked Cash Loan offers of up to ₱100,000, which he used to renovate his family home, invest in equipment for a joint business with his sister, and launch his own online buy-and-sell sideline. His story highlights how accessible financial solutions can bridge the gap between “working to survive” and “investing to grow.”
Home Credit 2026: Fast Facts & Offers
| Service | Details | The “Smart” Advantage |
| Product Loans | Installments for gadgets (e.g., iPhone 16 starting at ₱68/day) | 0% Interest deals on 50,000+ products |
| Cash Loans | Up to ₱150,000 for existing customers | Approved in as fast as 1 minute |
| Eligibility | Filipino citizens, 18-68 years old | Requires only 1 Primary ID |
| Network | 17,000+ partner stores nationwide | Accessible via the Home Credit App |
How to Start Your Financial Journey
Like Jake, young Filipinos can build their credit profile through these simple steps:
- Download the Home Credit App: Check your eligibility for product or cash loans instantly.
- Start Small: Finance a needed tool for work or a “reward” gadget to establish a payment history.
- Be Disciplined: Pay on time to unlock higher cash loan offers and lower interest rates.
- Invest in Growth: Use cash loans for home improvements, education, or business capital.
