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    Home » Home Credit Philippines brings digital loans to more Filipinos
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    Home Credit Philippines brings digital loans to more Filipinos

    By Scarlett GuoJune 13, 2025No Comments2 Mins Read
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    • Home Credit Philippines helps underserved consumers get credit for gadgets, appliances, and personal needs.
    • The company focuses on financial inclusion using mobile apps and wide retail partnerships.

    Home Credit Philippines: Expanding access to credit

    Home Credit Philippines offers simple and fast financing. It supports consumers who want to buy gadgets, home goods, or need small loans. Customers can use the app or visit one of 15,000 partner stores.

    The company started in 2013. It is part of Home Credit Group, a global finance group with operations in Asia and Europe. It serves more than 10 million Filipinos. Most of them are first-time borrowers who have no formal credit history.

    Home Credit’s mobile app is a key tool. Users can apply for loans, check due dates, and get deals. It helps people who cannot go to banks.

    Also read:HLISB and GoBarakah launch digital social financing ecosystem
    Also read: Scaling Fintech Businesses through Strategic Debt Financing

    Home Credit Philippines: Building trust through education

    Besides lending, the firm teaches people how to manage money. Its “Para sa Life” campaign shares real customer stories. It shows how loans can help with family needs, jobs, or emergencies.

    The company also partners with local shops and malls. These stores offer in-house loans with simple terms. It is easier for people without credit cards.

    According to Home Credit Philippines, they aim to help people live better lives. They focus on service, fairness, and digital tools.

    Industry trends: Fintech changes and risks

    Digital lending is growing fast in the Philippines. Many people still do not have bank accounts. Others work in informal jobs. It is hard for them to get loans from big banks.

    To fix this, fintech companies use other ways to check if people can repay. They use mobile data, payment patterns, and shopping history.

    The Bangko Sentral ng Pilipinas says digital loans grew fast after 2020. But inflation and job loss make repayments harder. Fintech firms must offer clear terms and fair rules.

    New trends like embedded finance are also rising. These let people borrow inside apps while they shop. Home Credit’s partnerships give it an edge in this space.

    consumer credit financial inclusion Fintech Philippines
    Scarlett Guo

    Scarlett Guo is an community engagement specialist at BTW Media, having studied Marketing at University of Bangor. Contact her at s.guo@btw.media.

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