Empowering the next generation through education, one cash loan at a time with Home Credit

 

In a culture where education is considered invaluable, most families prioritize schooling to empower the next generation; and, although finishing education poses challenges especially financial ones, there are unwavering pillars in every family who dedicate their every waking moment to providing a better life for their loved ones. 

However, despite their dedication, these pillars, whether they are the parents, the eldest siblings, or the breadwinners of the family, sometimes need reliable support to keep them moving forward, no matter how grueling the challenges may be.

Committed to being the Filipinos’ financial ally, Home Credit Philippines, the country’s leading consumer finance company, offers its customers support whenever they need financial assistance through a variety of products and services that cater to their needs. One of them is the Home Credit Cash Loan, a product that allows customers to get quick cash loans ranging from PhP3,000 to PhP150,000, which they can use for a wide range of expenses, especially for tuition fees and back-to-school purchases.

Reliable support in navigating life’s challenges

Such was the case for the 53-year-old Rowena Milleva Resaba, a resident of Barangay San Andres in Malvar, Batangas, whose goal has always been to provide for her family and ensure that they get the education they need to arm them for the future. Driven by relentless effort and unconditional love, she tirelessly works towards ensuring her family’s well-being. 

As a breadwinner, wife, and mother of four, Rowena has faced numerous financial hurdles while taking care of her family. However, thanks to Home Credit Cash Loan, her family was given a lifeline—a crucial support that helped them navigate both their everyday and unexpected financial challenges.

Rowena first discovered Home Credit in 2017 during a visit to a nearby mall, which presented her with the opportunity to purchase a cellphone for one of her daughters to use for her studies. Fast forward to 2020 during the pandemic, Rowena and her husband were struggling financially, especially with three children studying at the same time—one in college and two in high school. Thankfully, Home Credit was there right when they needed it most.

“Ang pangarap ko para sa aking mga anak ay makatapos silang lahat para pagdating ng panahon na magkaroon sila ng pamilya, maganda ang magiging buhay ng mga anak nila. Kaya naman ang pinaka-pinagkakagastusan talaga namin dito sa bahay ay pagaaral. 

Noong 2017, kumuha ako kay Home Credit ng cellphone na ginamit ng aking anak sa pagaaral. Noong 2020, kinailangan ko ang cash loan para sa pagbabalik-eskwela ng aking mga anak. Ang una kong kinuha ay P40,000 na cash loan, ang sumunod naman ay P100,000 na ginamit ko para panggastos sa pag-aaral ng aking mga anak at pampuhunan sa aming maliit na negosyo,” Rowena said.

(My ultimate dream for my children is for them to finish their studies, so they can provide a good life for their future children. This is why our finances at home really are focused on education. 

In 2017, I took a loan from Home Credit to buy a cellphone that was used by my daughter for her studies. In 2020, I needed to take a cash loan for my children’s back-to-school expenses. My first loan was worth P40,000, my next one was worth P100,000, both were used to pay for my children’s studies and as a capital for our small business). 

Achieving educational dreams, one loan at a time

Home Credit’s provision of reliable support through cash loans helped Rowena and her family manage their expenses and improve their lives. Rowena’s dream of having her children finish their education was fulfilled as one of her three children graduated, and the remaining two are on their way to getting their diplomas as well. 

“At Home Credit, we are committed to providing Filipinos with innovative solutions that enhance their lives. We are delighted to hear stories like Rowena’s, where our Cash Loan offering has provided essential support in overcoming their family’s challenges and pursuing their dreams. 

It’s fulfilling to know that through our products, we can transform lives, one loan at a time. Stories like this fuel our commitment to being a financial partner that empowers our customers to achieve their goals and live better lives,” Sheila Paul, Chief Marketing Officer of Home Credit Philippines, remarked. 

Rowena expressed her gratitude to Home Credit for playing a significant role in their lives. 

“Malaking pagbabago ang nagawa ng Home Credit Cash Loan sa aming buhay. Nagpapasalamat ako sa Home Credit sa tulong na naibigay nito sa aking buong pamilya. Hindi ko malilimutan ang Home Credit hanggang sa huli,” she said.

(Home Credit Cash Loan has made a significant difference in our lives. I am grateful to Home Credit for the assistance it has provided to my entire family. I will never forget Home Credit for as long as I live.)

With the family’s trust in Home Credit, the company surprised them by awarding them PhP50,000 to help with Rowena’s family needs and her third daughter’s college expenses. Additionally, Home Credit gifted Rowena’s eldest daughter a smartphone for her son’s studies. This gesture serves as Home Credit’s token of appreciation for Rowena as a loyal customer of the company.

Qualified customers can easily apply for a Home Credit Cash Loan through the My Home Credit Loan App with just two simple requirements: being a Filipino citizen aged 18 to 68 years old and having at least one valid identification card. Approval can be as fast as one minute, with cash disbursement on the same day. For ease of payment, customers can choose flexible installment plans from six to 60 months.  

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in Shoppingmall.ph. 

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). 

Save Big with Home Appliances, Electronics: Home Credit, SM Appliance Center’s Grand Pay Hulugan Returns with Exclusive Deals

 

Home Credit Philippines (HCPH), one of the country’s leading consumer finance companies, is once again in partnership with SM Appliance Center bring you exciting deals on a diverse selection of home appliances and electronics through the Grand Pay Hulugan promo. 

 

Running from Feb 1 to Mar 31, 2024, this limited-time offer empowers you to turn your dreams into reality by allowing you to purchase your desired appliances and devices or upgrade your existing ones at unbeatable prices. With this collaboration, you can take advantage of a 0% interest rate on various installment payment terms and enjoy up to 30% Home Credit-exclusive discount on select items. 

 

The promo covers a wide array of home and electronic commodities. If you are looking to enhance your visual experience with a new television, the offer is available on select units from Samsung, LG, TCL, Skyworth and Sony. For refrigerators, you can delight in this promo on brands like LG, Panasonic, Condura, Samsung and Fujidenzo. 

 

The promo also extends to air-conditioner units, so you can prepare for the upcoming summer season. The promo encompasses brands such as LG, Carrier, Panasonic and Samsung. For your laundry needs, you can seize the opportunity with washing machine brands like LG, Panasonic, Whirlpool, and Samsung. 

 

Aside from that, the offer includes cooking ranges featuring select items from La Germania, Elba, Fabriano, and Hafele. Additionally, it applies to select Samsung mobile phones, Sony and LG speakers, LG vacuum cleaners, and Whirlpool microwaves. 

 

The Grand Pay Hulugan promo is available at all SM Appliance Center branches equipped with Home Credit facilities. This way, you will not miss exclusive deals for your dream appliances and electronics. 

  

Hurry up and visit your nearest SM Appliance Center now! Take advantage of the 0% interest rate on flexible payment options and great discounts from Feb 1 to Mar 31, 2024. Get the appliances and electronics you have been wanting for your home! 

 

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in Shopping Mall Philippines.  

  

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).  

Home Credit PH surpasses 10 million customers, finances close to PHP300 billion worth of credit nationwide

 

Home Credit Philippines (HCPH) achieved a remarkable milestone as it reached 10 million customers in time for its celebration of a decade of unwavering service. Since 2013, the leading consumer finance company has granted a total of P295.7 billion (as of Dec 2023) in credit throughout the country through its installments, cash loans and revolving credit products.

Home Credit’s entry to the country 10 years ago provided a much-needed service for Filipinos who were underserved by traditional financing and were seen to turn to informal and unregulated lending outfits. Starting from mobile phones, and then eventually branching out to laptops and computers, furniture, home appliances, even bikes, sporting goods, home improvement and department store shopping. In recent years, Home Credit added a credit card, as well as virtual limit Qwarta to its portfolio. With its continuous innovations in offers and servicing, the company is regarded as a trusted ally in fulfilling the diverse needs of Filipinos from Luzon, Visayas and Mindanao.

“Thanks to our easy and accessible consumer finance products, we supported countless Filipinos in acquiring gadgets, furniture, appliances, and more, to realize their goals for themselves and their families. In 2013, we began with just seven loans processed, but today, we have officially served over 10 million customers,” said Sheila Paul, Chief Marketing Officer of HCPH.

To date, Home Credit has signed more than 22M contracts, encompassing an impressive 17 million POS loans, over two million cash loans, and more than two million revolving loans. For POS loans, mobile phones led the way with almost 12 million financed units. Last year alone, Home Credit financed 1.7M units of mobile phones, facilitated by Home Credit’s various promos, including the most recent 0% interest on installment financing.

Filipino consumers have also shown great interest in upgrading their living spaces and gadgets. The appeal of modernizing households and switching to advanced tech products resonated strongly, evident in the over one million TV units, and 867,000 computer units financed in the last ten years.

“We are grateful to our valued customers for entrusting us with their needs for ten years now. Serving as a lifestyle partner, we take great pleasure in playing a role in the lives of Filipinos, helping them achieve their aspirations. As we celebrate this remarkable milestone, we uphold our mission to be the country’s financial partner, and we maintain our unwavering commitment to innovation, ensuring our services continue to meet the diverse needs and lifestyles in the country,” Paul concluded.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in Shopping Mall Philippines.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

Home Credit's picks: Top products for a fresh start this new year season

 

Excited to welcome the new year with new, up-to-date gadgets and electronics for you and your family? In this season of fresh start, mastering the art of picking the right products to make your everyday life easier and more efficient becomes essential. Understanding what to buy and how to do so smartly is crucial in navigating this seasonal challenge. 

 

Thankfully, Home Credit, the country’s leading consumer finance company, has your back! They offer a thoughtfully curated selection of top gadgets and appliances at 0% interest rates, easing the pressure of new-year shopping. This gives you a stress-free, fresh start with more freedom to choose from various payment options.  

 

To help you welcome the New Year, here are some top items recommended by Home Credit: 

 

Experience the latest technology with smartphone powerhouses 

Explore three standout smartphones: the Oppo Reno 8T, Vivo V27E, and Apple iPhone 11 128GB, each with unique strengths.  

 

The Oppo Reno 8T impresses with its smooth Android 13 experience and powerful processor, perfect for gaming. It also features a big, vibrant screen and fast-charging battery at an affordable price. 

 

The Vivo V27E catches the eye with its stunning display and top-notch cameras. Its high-refresh-rate screen brings visuals to life, promising excellent photos and boasting fast charging and good battery life in a sleek design. 

 

Meanwhile, the Apple iPhone 11 128GB stands out for superb photography and performance. Its cameras take fantastic pictures, and the A13 Bionic chip ensures smooth running. With water resistance and a beautiful display, it's a dependable choice for quality and durability. 

  

Discover innovation in home entertainment with smart TV selections 

Elevate your home entertainment with Devant's exceptional range of Smart TVs. Leading the pack is the Devant 43STV103, a 43" Full HD Smart TV that encapsulates Devant's commitment to excellence, offering world-class quality, contemporary design, cutting-edge technology, and surround sound feature for an immersive viewing experience. 

 

Complementing this is the Devant 32STV103, an HD-ready Smart TV designed to redefine your viewing pleasure with a range of programs, films, and sports, delivering a cinematic experience right in your living room. 

 

There is also the Astron’s LED3277, a 32" Smart LED TV that stands as a testament to innovation in home entertainment, aiming to transform your viewing habits and provide access to captivating content with its screen-mirroring capacity for android devices.   

 

Redefining refrigeration for modern efficiency 

Refrigeration has evolved significantly with three innovative models that redefine freshness and efficiency. 

 

For instance, Samsung's RT20FARVDSA utilizes a 7.4cu ft two-door digital inverter, no frost refrigerator, ensuring reliable cooling for a variety of perishables. Its efficient direct cooling system maintains optimal temperatures within separate compartments, catering to diverse storage needs.  

 

Panasonic's NR-BP272VD steps up with a 9.5cu ft two-door, no frost inverter, integrating Econavi Technology for enhanced efficiency. With a direct cooling approach and separate compartments, it ensures efficient air circulation, contributing to fresher food storage. 

 

Additionally, LG's GR-B202SQBB, featuring a 7.2cu ft two-door smart inverter, no frost refrigerator, leverages a smart inverter compressor to reduce energy consumption and noise levels. Its design incorporates innovative features like the Moist Balance Crisper and sturdy tempered glass shelves, providing efficient storage solutions with a sleek, modern touch. 

 

Effortless cooling and energy efficiency with window type air-conditioners 

For individuals prioritizing comfort and energy savings, the Kolin KAG100WCINV, Carrier WCARH009EEVC2, and LG Inverter Window Type Air-conditioner 1.0HP, LA100GC offer excellent choices.  

 

Kolin's 1.0HP window type air-conditioner is equipped with an inverter system, providing not only energy efficiency but also a customizable timer for temperature settings, ensuring optimal comfort while efficiently managing energy consumption. 

 

Carrier's WCARH009EEVC2 stands as another smart choice for energy-conscious consumers. Much like its counterparts, this unit incorporates a timer for personalized temperature scheduling, enabling users to regulate usage for cost-effective cooling. 

 

The LG inverter window type air-conditioner 1.0HP, LA100GC, is a perfect cooling solution, featuring an energy-efficient inverter designed to reduce energy costs while delivering powerful cooling performance. Its advanced air purification system ensures the air you breathe is free from pollutants and allergens, while the auto-restart feature guarantees the air conditioner resumes at the same settings after a power outage. 

 

Advanced Washers for Effortless Laundry 

Panasonic's NAFD85X1HRM (8.5kg) and NAFD95X1BRM (9.5kg) redefine laundry convenience with their energy-efficient motors and specialized features tailored for meticulous care. These washers handle various loads effectively, offering precise settings for optimal cleaning results.  

 

Meanwhile, Astron's twin tub washing machine 8.0kg, TWM-809, is designed to handle substantial laundry loads, providing hassle-free cleaning in one go. Its 8.0kg capacity ensures efficient washing of large quantities of laundry, simplifying the cleaning process for household chores. 

 

This new year season, make your shopping hassle-free with Home Credit's 0% interest promo, valid until Jan 31, 2024. Dive into the detailed specifications of these products to discover how they align with your preferences and needs, promising a seamless user experience without straining your budget. 

 

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in Shopping Mall Philippines.   

  

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).   

How to Manage Your Kids' Back-to-School Expenses this Season

 

With the start of the new school year just around the corner, most parents, particularly mothers, are preparing to ensure a smooth back-to-school season for their children. This includes ensuring that tuition and other expenses are handled in time for the start of courses, as well as supplying everything they will need, such as textbooks, pens, paper, uniforms, and even gadgets, to be armed with the correct tools for their school assignments. 

However, the overall cost of these back-to-school needs can strain your finances, especially when you have a fixed monthly income. This is why it is crucial to manage your expenses properly. As this task can be quite challenging, here are some smart budgeting tips you can apply to avoid overspending in the upcoming school year.  

Check out these tips to learn how to be money-savvy:

Establish a list of school essentials, other important expenses 

Making a detailed list gives you an insight of the important products your children will need as well as the fees you will need to pay for the forthcoming academic year. This allows you to prioritize which back-to-school issues to address first while not missing anything vital.  

Check your children's school supplies from the previous school year before finishing your list. Once you've determined which products can be reused this season, you can cross them off your list to save money. 

Determine your budget 

Now that you've compiled a detailed list for the back-to-school season, you can begin researching or calculating the costs of everything your children will require. You can then create a realistic budget depending on your financial capabilities. This allows you to better manage your money and make more educated purchasing decisions. 

Take advantage of deals, discounts 

When shopping for materials, sales and discounts can considerably reduce the entire cost. Taking advantage of such deals allows you to save more money without sacrificing the quality of the things. During this time, you may also buy in bulk so that you have enough school supplies to last the entire academic year, reducing your children's school expenses in the long term. Furthermore, you will be able to stretch your budget even further to purchase additional products for your children or apply the saved dollars to other critical household needs. 

The Ultimate Checklist: Essential Factors to Consider for Back-to-School Laptops Home Credit is the key when shopping for sulit devices to gear up for the next school year

 

In today's technology-driven world, gadgets like laptops have become

essential tools in empowering students in their education. From college

to grade school, students now rely on these devices to research

information, access digital learning materials, complete assignments

and activities, and even communicate with teachers and classmates.

This reality calls for a reliable and efficient partner that every student can use in their day-to-day needs, such as a versatile laptop that can multitask and handle demanding applications for school tasks. However, this back-to-school season, parents and students have various options to choose from.

The good thing is that Home Credit, a leading consumer finance company, is here to guide you on your quest to find the perfect device for the upcoming school year. From features for usability to budget, here are the ‘wais’ things you should look for before purchasing a laptop.

Be A Wais Mom this Upcoming Back-to-School Season

 

Back-to-school season is a time when we mothers ensure that our children are well-prepared for the upcoming school year. We are the ones who are responsible for the crucial chores and are expected to make 'wais' decisions—from selecting schools to purchasing for supplies—in order to provide our children with the best education possible.   

While the next academic year is still a few months away, it is advantageous to begin planning early. This allows you to properly organize your budget, ensure that no vital needs are overlooked, and minimize the stress of the back-to-school rush. Home Credit, a prominent consumer credit firm, presents some 'wais' recommendations for your kids this school year to help you get started. 

Start considering the school 

School is one of the most crucial things to think about at the start of the school year, especially if your children are transferring from their previous schools. You can begin by outlining your possibilities so that you have more time to evaluate the quality of education and environment to determine whether it will allow your children to grow and develop to their full potential.   

Aside from that, this gives you the time to acquire all of the necessary documentation for your children's registration and think about its location, accessibility, safety, and even the fees you will have to pay, if any.  

Make a list of the needed school supplies, other essentials 

You can make a list of important school supplies for your children based on their school and year level. A list of notes, textbooks, pens, or pencils, as well as backpacks, lunchboxes, and even computers, will ensure that you do not forget anything crucial. It will also assist you in creating and managing your back-to-school budget, since a detailed list allows you to estimate the expenses of each item.