How customer-voice posts about Home Credit Philippines split across its four products.
In-store installment for gadgets & appliances
Prospective buyers (often first-timers) ask how Home Credit's in-store installment actually works, whether the advertised 0% interest is real, and how it compares to Atome, Billease, or credit cards before committing to a gadget purchase.
Is there anyone here who tried to buy or get a phone thru installment using Billease, Atome or Home Credit? Kamusta sya guys?
I cannot buy a phone in cash (too heavy if isang bagsakan). I don't have CC rin. Paano ba sistema sa Home Credit? Totoo bang 0 interest yun?
As per title, wanna ask if this 0% interest of Home Credit is true?
Curious lang po ako kung legit ba talaga yung offers ni Home Credit na 0% interest na mga gadgets?
I'm planning to get a phone through paying by installment. Unfortunately, I got denied by Home Credit, are there any legit alternatives?
Customers discover after purchase that the '0% interest' or 'no down payment' deal pitched in store actually bakes the financing cost into a higher item price, stretches the term without disclosure, or forces them to buy unwanted accessories to qualify.
naisipan namin icalculate how much yung total na nabayaran namin sa 18 months term and nagulat kame na it would reach a whopping 80k pesos?? Eh magkano lang yung acer nitro bat parang dumoble yung total na bayarin
nakalagay 4k a month, 9months to pay meaning 36k lahat na hindi naman un snbi nya
the store told us that in order to proceed with the Home Credit installment, we had to include two accessories: AirPods and a power bank. We weren’t offered a tablet-only option.
Retail Price nya is 30,290 pero nakalagay sa receipt 33,660 ang price
Para nagbabalak kumuha sa home credit 0% interest daw pero sobrang laki pala ng madadagdag sa babayaran mo may iba pa palang charge umabot ng 4k
Borrowers and their families report Home Credit dispatches field officers to the house, threatens device lock or small claims, and pressures full payment after as little as a one-week or one-month delay — sometimes harassing minors and elderly relatives.
yung mother ko meron siyang homecredit loan na gamit ipad, limang hulog nalang ito pero nadelay lang ng 1 week pumunta na agad sa bahay para kunin
hindi na po kasi mabayaran dahil yung mother ko po ay namatay na, sya po yung nagbibigay sa akin noon ng pambayad, cant work pa po kasi minor po ako
Meron po akong overdue na cashloan kay hc na 80k na naging 120k na kase po 2 years na since last nakahulog and then may naghome visit na po and gusto po nila na i pay in full
nagulat ako bakit naman umabot ng 3k na yung balance ko e samantalangang before kahit wala pang due date mayat maya na sila tumatawag. Tapos nag Home Visit pa po samin
A large vein of posts describes households defaulting after the breadwinner died, the borrower miscarried, or income suddenly dropped — they want to return the item, settle for less, or restructure, and don't know how to deal with Home Credit.
nag loan po yung tatay ko ng appliances sa homecredit for 2 years na babayaran, pero 3 months pa lang, bigla pong pumanaw papa ko
since nanganak ako last year September tapos naospital si papa, at he passed away— laging di na full amount nababayad ko at laging delay magbayad
1week akong nag spotting at diagnosed with threatened miscarriage, pinag bed rest ng 1month
may utang po mom ko ng 51k dahil po dun sa laptop na kinuha namin for my sister's college. Dahil sa tatlo na kaming nag aaral, hindi na na sustain ang pagbabayad
Currently have a product loan and haven't paid yet the 3 months due to sudden financial emergencies and I haven't received my expected money.
Users with a Home Credit product-loan offer or claim code in the app are unsure whether it guarantees approval at the partner store, and good payers who fully settled past loans complain that no new offer appears at all.
ibig bang sabihin pre-approved na ako kapag nakita ko yung offer na 'to sa app?
Bibili kasi ako ng aircon. Ayoko naman bibiyahe pa ng malayo tapos pagdating dun declined lang.
ask ko lang po kung sure approve na po ba pag ganitong offer? Plan ko kasi sana bumili sa gadgets baka pag dating ko sa partner stores di rin maapprove
Someone here na nag fully paid ng maaga sa home credit like 2 months earlier pero after payment walang offer?
Wala parin akong natatanggap na product loan offer after I fully paid my last loan.
Prospective second-hand phone/tablet buyers worry the device is still on a Home Credit loan and could be remotely locked after purchase, and a TikTok testimonial describes exactly that happening to a sibling.
May nagbebenta saming 2nd hand na Redmi Tab 2 pro, and may nakikita po kasi post na naglolocked si home credit ng mga device
Paano malalaman if yung 2nd hand phone (iPhone or android) is hindi nakalock sa home credit?
maging mabusisi, maingat sa pagbili ng mga gadget online Kasi baka may mga issues Yan na katulad nito inutang pala sa HOME CREDIT
A small positive vein: TikTok and Twitter users celebrate getting approved (sometimes for the 4th time), and shoppers frame Home Credit hulugan as the only way they could afford the phone, motorbike, or aircon they wanted.
Thank you! po sa tiwala Home Credit Legit 4th gadget na installment
Home credit Approved❗️❗️#thankyou #homecredit #gadget #installment
Bumili na ako pero hulugan pa sa home credit pinambili at #GalaxyA34 binili kasi mas mura
Kahit 48 months hulugan kay home credit, go! Basta may pang mirror selfie 😎
Na-reject nung pre-order kaya namotivate mag-ipon para icash.
Direct personal cash lending
Borrowers repeatedly find the total payable on a Home Credit cash loan ends up nearly double — or even more than double — the principal, and very little of each amortization touches the principal balance.
269100 total payments ko, pero 121300 lang talaga ang principal na nakuha ko, grabe 147800 ang interest, mas malaki pa sa principal, kaya NEVER AGAIN!
95k ang nakuha ko, pero ang total ng need bayaran for 3yrs ay 180k
Borrowed 40k from HomeCredit last June 2025, payable in 36mos. Sa 4 na installments ko, parang walang pumasok sa principal.
Got a cash loan amounting to 30,000. 13,440 interest 😂
I called last feb to ask how much do I need to settle 47k that time, then yesterday I called again and nagulat ako na nasa 45k pa need ko isettle.
Customers juggle Home Credit cash loans alongside GCash, Shopee, Tonik, GLoan and other OLAs, and often look to a new HC cash loan as a consolidation lifeline — frequently deepening the debt cycle.
Gusto ko na sanang magpa-debt consolidation para isang hulog na lang monthly — mas madali sana imonitor at hindi sabay-sabay ang due dates.
May utang ako from different lending apps - Shopee, Maribank, Gcash, TikTok, and Homecredit in total of almost 150k.
I have CC debt of total 39k sa Home Credit Card also I was offered for a cash loan na until 91k pro plan ko mag loloan po ako ng 50k at ibabayad ko yung 39k
Currently drowning in 400k+ debt from different OLAs dahil sa tapal system. yung iba 5 days nang overdue.
Ngayon po nag stop na ako sa tapal system and my salary po ay hindi na po talaga kaya yung pagbabayad.
Once overdue, borrowers describe field collectors visiting their home (often a province address) and contacting their mother, siblings or listed references — a major source of shame and anxiety.
5 days palang akong OD at tumawag na si Home credit sa number ni mama to inform about my loan
Kakabisita lang po ng home credit dito sa bahay namin since I moved back na po dito sa Province.
hinaharass ako currently ng home credit - quick cash loan (lucky peso), nag send ng text sa mga contacts at references ko.
Naoverdue ako 1 month and nahome visit na ako agad at nagbayad lang ako ng 1,500 instead of 3,535
I have 3 cash loan OD na for a month. May dalawang emails na ako natanggap saying na mag home visit na raw.
Borrowers report receiving texts or emails saying the account will be terminated and the full balance demanded, with added attorney/agency fees and threats of small-claims court action.
they will add 40% of the due plus 5k attorney's fee at agency fee daw. May mga naka experience na po ba nito and is it legal to add more amount
nag email sila ng final warning para bayaran ang full amount na 92k. Mas better po ba sa court na lang makipag settle?
Etong pang 4th month balak ko sana bayaran yung 1 month sana kaso tinerminate nila ang account ko. Now nasa collections agency na
may overdue po ako almost 3 months na po. Pero may partial naman ako para may movement yung account ko kaso terminated parin.
May nareceive kasi akong text from field office stating na materminate daw account ko and pabayaran ng buo.
Customers say agents told them paying early would erase interest, but they later learn extra payments only count as advance unless they explicitly request RECOMPUTATION or full early repayment.
If you’re planning to pay Home Credit early, always explicitly ask for RECOMPUTATION. Otherwise, you’re basically just paying early but not saving anything.
as per Agent na kausap ko that time mawawala daw interest if I make early repayment.
Possible kaya na principal na lang ang tapusin bayaran kay HC Cash Loan kasi di ko na talaga kakayanin pa kung ituloy ko yung 26months left
May idea po kayo kung paano ma lower yung Full repayment interest sa Home Credit loan?
if I pay it on a earlier date lets say 3-6 months from now will I save myself from the big interest or no?
Existing customers — especially good payers on a product loan — get pursued by weekly calls or pop-up app offers pushing six-figure cash loans, which many find pressuring or hard to refuse.
They have been calling me for about two months now every week to offer their cash loan. I’ve been refusing the offer every time
pag tingin kos HC APP ko . May offer Silang Cash loan . Syempre nag try ako
May offer si hc sakin na cash loan even.may existing cash loan ako,product loan and qwarta, ng ginrab ko 20k yung offer pagka confirm ko biglang nawala
Sa homecredit, kumuha k lng ng gadget at mabyaran mo good record kn. Tas ooferan k n ng mga loan amt.
ngayon kayo tumawag sa akin @homecreditph baka patulan ko na yung offer niyong cash loan 🥹🥹😂😂
A smaller group celebrates fully closing their HC cash loan — often by paying it off early — and immediately uninstalling the app, vowing never to borrow from Home Credit again.
Celebrating today since I was able to fully pay my Home Credit loan! Dapat sa 2026 pa yung end ng contract but I asked for recalculation.
HOME CREDIT CASH FULLY PAID AT LAST! 42/42 DONE!
By March wala na un homecredit na 8k monthly (cash loan) By May wala na un qwarta(estimate)
Hello, I just want to share my experience about the home credit cash loan.
Replying to @myeowiiiit LEGIT TALAGA ANG HOMECREDIT @homecreditph
Digital wallet / revolving credit (BNPL-style)
Users say agents pitched Qwarta as credit-card-like with no interest if paid within the cycle, but later found unexpected interest or 'cashless transaction' fees on the bill.
inopen ko tong hc qwarta kase ang explanation sakin nung ate sa home credit eh wala daw interest pag na pay within 1 month yung charge
ngayon, meron na naman akong naging charge na interest kahit di ako bumili ng kahit ano
I was told na pag nabayaran in 45 days, there wouldn’t be any interest.
tapos when I checked may charge na 500+ tapos sabi interest daw for cashless transactions.
Same lang ba siya sa Salmon or Atome na no interest if you pay before the due?
Borrowers are told that once they fall behind, they need to pay the entire outstanding credit limit in one go to use Qwarta again — installments are no longer offered.
Totoo ba na kapag di nakabayad sa Home Credit Qwarta, kailangan agad bayaran ang buong credit limit?
Pero ang sabi ng agent dati, kapag hindi kami nakabayad, kailangan daw naming bayaran ang buong ₱25,000.
ngayon pinapabayad samin ni qwarta ung buong utang namin in order to use the service again
Pag OD po ba sa home credit need na bayaran ng buo? Di na po pwede na hulugan?
may od po ako sa home credit qwarta ng 3 months (30k mostly interests lang yon)
When Qwarta payments slip, field collectors visit the registered home address, talking to whoever is there (younger siblings, elderly parents) and disclosing the debt.
today sinabi nya sakin na home visit siya ng field collect different collector the first one she's asking kung kailan mag babayad
nahomevisit ako ng HC collector. Bad timing kasi wala ako sa bahay and ang kinausap yung mas bata kong kapatid.
May loan po ako sa HC Qwarta, ₱10,000 po yung original na kapital.
Home Credit Qwarta (on-going, still paying kahit late)
A large share of posts are simply how-do-I-use questions — paying glasses at EO, groceries at Puregold, Meralco bills, load to Smart/DITO, or checking due amount and credit limit.
Has anyone tried using Qwarta to pay for their glasses in EO?
Plan ko kasi gamitin if ever magkulang kami sa funds lalo na paubos na gatas ni LO.
Pano po ba malalaman ung amount due ko sa HCQWARTA may credit limit po akong 10k tas ang used credit ko 4700.
have a balance na 20k sa home credit qwarta, once ba na binayaran ko ito ng full amount, agad bang mag iincreased ang limit ko?
How to use Qwarta in Puregold?
Users actively seek (and offer) ways to convert their Qwarta credit limit to GCash; Home Credit and BDO have publicly flagged this as a common scammer scheme.
Great (and legal) way to convert GGives and Home Credit Qwarta into cash (aka cash-out)
lf nag e-exchange from hc qwarta to gcash po sana🥹
spaylater to gcash ggives to gcash atome to gcash paypal to gcash grabpay to gcash hc qwarta to gcash
One common scheme targets product loans or HCQWARTA credit limits, offering quick cash in exchange.
It has brought to our attention that someone on Facebook is using our BDO-issued QRPh to conduct a cash conversion of the following credit limit
A smaller positive cluster: customers love Qwarta for paying Meralco, loading prepaid SIMs at a discount, and tap-to-pay groceries with low or recouped interest.
Everybody say “Thank you, Home Credit Qwarta!” kasi bayad na ang Meralco ko 😭
Sauna ka sulay ko HomeCredit kato Qwarta ba to for ex. instead 99 nga 7 days load for Smart, sa ilaha kay mga 90 rato something IIRC.
Pano gamitin ang HC Qwarta sa bills. Grabi. 04 pang interest nito Kaya ang Ganda ng gamitin
Sa Home Credit naman may interest back if you can pay the Total Amount Due, pero if hindi naman 4% naman ang additional interest nya, mas mababa po ito compared to other loans apps.
Ang Dalikyat mudawat sila ug HC Qwarta thru scanning their Store QR provided
Several users can't pay or check their Qwarta because the app shows 'no bill generated', the account suddenly disappears, or the phone/SIM tied to OTP is broken or lost.
Yung hcqwarta ko na may od na 4months, wala Rin sa notifications ko.
home credit qwarta, di ko po mabayaran kasi walang generated na bill ang nakalagay lang po is "no bill has been generated yet"
Now I got lost connection with the account and may balance akong 25000 pesos na babayaran then 2500 evey month
Hello paano po ba makakapag bayad sa hc qwarta wala na kasi sa apps yung account ni mama
Pleek bat di na nakakaload from HC Qwarta to DITO???
Home Credit branded credit card
The defining feature people discuss is the ₱200/month subscription (insurance) fee, which is only waived if you spend at least ₱15,000 per billing cycle — a high bar for low-income holders.
Interest free sya basta mapay ang balance wothin 45 days then yung membership fee mawwaive basta nakapagspend ng minimum of 15k
may hidden charges po ba bukod sa 200 pesos membership fee per month? (2400 annually) which is mataas
It comes with 200 pesos monthly fee (insurance) to be waived if makapag spend po ko ng minimum of 15,000 monthly.
No annual fee pero may 200/month na subscription fee. Waivable ang subscription fee as long as na hit mo ang minimum spend of 15k
di ko pa na-aactivate yung credit card nila dahil may **₱200/month** na membership fee ata yun
Cardholders run into merchants — vet clinics, smaller stores — that refuse the Home Credit Card, and ATM cash withdrawal is either disallowed or carries a ₱200 fee per the contract.
Yung ibang establishments Po Hindi nag accept Ng Home Credit Card, Yung experience ko sa Vet Clinic Dito sa Amin
I'm planning to give it up na.. since, baka ma caught in another dilemma nman ko by Hindi iaacept Yung CC ko
May nklagy kasi s contract na may cash withdrawal fee na 200 pesos. Pero ung nag-ask ko sa chat support nila hindi raw po pwede.
May ibang way paba para mabayaran ang home credit gamit mga metrobank credit card? may 3% fee kasi ang sa website nila.
Existing or even dormant HC customers receive phone calls and physical cards they never requested, with several asking whether the offer is real or a scammer impersonating Home Credit.
someone called my father awhile ago (papa is not here so wala kaming access sa phone niya) according to papa, from Home Credit daw yung nag call tapos nag ooffer ng credit card
gipadalhan ko ug credit card from Home Credit ba. 2 years ago pa ko last nigamit ug loan, though good payer man ko. The thing is, I never requested/ordered any.
Home credit called me saying im qualified for HC credit card with 20T limit
So I got a call from a HC representative offering the Home Credit - Credit Card. Select customers palang daw ang inofferan and wala pang online application.
May offer kase na HC credit card sa papa ko. Thoughts on ths? Okay lang ba?
A consistent buyer narrative: applicants rejected by mainstream bank credit cards turn to Home Credit as their only approval path, often using it to start building a credit history.
Declined kasi sa mga bank CC's kaya this is my last straw kundi itry ito kasi badly needed ng pera
Hindi ako ma-approve sa regular credit cards kaya ito lang talaga yung options ko ngayon.
I have a homecredit CC (dito lang ako approved so judge me if you must, lol). Pwede ba to gamitin as reference card for CC application issued by banks?
Card behavior frustrates users — even one day past due triggers an immediate card block requiring a hotline call to reactivate, and cancelling the card while membership fees keep accruing is a struggle.
pagcheck ko blocked agad ung card. Haha! Yun lang naman ung isesheshare ko. Nagulat lang ako na 1day delayed blocked agad ung card.
Need mo itawag sa hotline para mareactivate within 48hrs.
I have reached out na sa customer service nila and ang sabi lang gupitin ko na lang daw yung physical card but I am still being charged po monthly sa membership fee
Pano ko po kaya siya mapapacancel?
I have 20k credit limit and I paid 442 sa Grab Food and I got refunded of 180, hindi po naka show lahat ng credit limit ko
TikTok content (largely from KasKasan Buddies financial-literacy community) frames the credit card as a tool for major life upgrades — renovating, building a tiny home, or buying an apartment.
Built our tiny home using a credit card — 3 years to pay, lifetime to stay ✨ Credit cards aren’t bad if you use them wisely 💚
A KKBuddy's story on how they used their credit card to renovate their home.
A story on how one person turned credit cards into keys to a new home and a future business.
A KKBuddy's story on how using their credit card helped with improving their retirement home.
Thank you sa Credit Card nakabili ng Apartment 🤗
Posts about Home Credit overall that don't pin to a single product — the biggest single bucket at 43% of organic voice.
Posts about Home Credit overall — not tied to one specific product
Borrowers who fall even a few days or weeks overdue describe Home Credit field officers showing up unannounced at their (or their parents') homes, flashing their photo, disclosing the balance to neighbors and shaming them publicly. Many feel the tactic is harassment, not collection.
14 days past due pa lang ako ng 6k pero pumunta na sa bahay ko, pinakita picture ko, sinabi yung monthly balance at overall balance ko
2 months due. 4x na sila nag home visit. Almost weekly nandito sa bahay ng parents ko, no texts, no calls and emails na ppunta sila sa bahay
apat sila lalaki naka motor dinadalaw nila yun naka address wala na un umupa dun umalis na , tapos may apat na lalaki naka abang dun sa gate di sila umaalis
I have pending balance po sa homecredit for they did house visit sa bahay naman always and the collector made some harassment and public shaming
od ako 8 days na at stop na tlaga ako sa tapal system pero laking gulat ko naghome visit
People who never borrowed report being added as a 'trusted contact' or co-maker without permission and then bombarded with calls; current customers also complain HC keeps spam-calling them with offers even after explicit opt-out requests. Data-privacy and consent are the recurring grievance.
Someone I know used my phone number in his Home Credit application without my consent po. I do not know what happened, bigla na lang I received a lot of calls from different numbers
I received a text message that my name and number have been added sa home credit as trusted contact (co-maker) sa HC. I do not know the person nor authorized anything.
What's your thoughts of a friend na ge butang ka as contact sa Home Credit without your knowledge or approval first?
@homecreditph IS SPAM CALLING ME AGAIN EVEN WHEN I EXPLICITLY AND REPEATEDLY HAVE TOLD THEM IN THE PAST THAT I AM *NOT* INTERESTED IN THEM AND TO REMOVE MY NUMBER FROM THEIR SYSTEM
They've been spamming me calls offering loan promotions everyday for about a month including weekends
Customers complain that Home Credit's effective interest plus late fees often push the total owed to more than 100% of what was financed, with balances continuing to climb even after they have already paid more than the principal. Friends warn each other not to borrow because of this.
I was initially offered 150,000 but I only opted to apply for 70,000 para mas madali ko sana ma complete. However, yung contract pala is 150,000 kasama na daw sa interest?? So more than 100%
50k na loan tapos yung interest umabot sa 60-70% 🫠 babaunin niyo naman sa utang yung tao ~ pano ireklamo tong homecredit na to...
OD sa home credit for almost a year, super kinakabahan kasi wala pa talaga ako pambayad sa ngayon, paid na po ang principal amount pero ang laki pa rin sobra ng sinisingil
Yung mom ko po nag utang sya sa home credit around 80k po ata yun, then nakabayad na sya almost 120k then now, may balance pa sya 75k.
Warning!! sabi ng Friend ko wag daw tayo hihiram sa home credit kalaki pala ng interest at penalty haha just sharing
A large share of advice-seeking posts are from borrowers (or their children) who are overdue and trying to find out their real exposure: can HC have them jailed, will 'Morales Law Firm' actually file small claims, can they negotiate principal-only settlement, what happens once accounts are endorsed to a 3rd party agency.
may utang ang Mama ko sa Home Credit for about ₱80k. At sinasabi kasi sakin na ipapakulong daw ang Mama ko dahil sa hindi siya nakakabayad
May tumawag po sa akin at text na rin na from MORALES AW FIRM daw at pag daw hindi ako nakabayad ng Home credit balance bukas ay magfafile na sila ng Small Claims po
Need advice po, I have 4 overdue accounts sa Home Credit., and yung 1 nasa 3rd party na daw po.
I have been overdue for 7 months now. Before my account became overdue, I had already paid more than the principal amount.
sa mga naka-overdue kay home credit for a long time, nago-offer po ba sila na kahit principal nalang ang bayaran or nile-lessen lang ang penalty?
Two related fraud angles surface: customers discovering relatives or strangers used their info to take out HC loans, and a wave of FB / text scams offering to 'unlock' an HC account or convert a loan to cash. Home Credit's own posts also warn the public that loan-to-cash schemes can land borrowers in jail.
may nagpost neto sa FB na nagpapa-unlock instead na bayadan yung utang. hahahaha
I suddenly remember my relatives used my information to buy something essential for school, given that they would pay but they didn't
Think twice before converting your Home Credit loan or credit limit into cash. 👇 Doing so could land you in jail.
Home Credit warns customers about rising loan-to-cash scams targeting Filipinos. These schemes leave victims with unpaid loans, damaged credit, and possible legal penalties.
May natanggap kasi akong text message as seen from the image though hindi ko naman kilala 'yung tao na naka-indicate sa message? Wala rin akong previous transactions with home credit.
On-time payers vent that HC's customer service is unresponsive or hostile: agents cut calls, tickets go unanswered, GCash auto-debit double bills, and accounts get locked after a SIM change with no way to migrate. Even non-delinquent customers say dealing with HC is stressful.
Will never use @homecreditph it is such a bad experience and they have poor customer service in providing resolution.
Baka naman @homecreditph mag dispute kayo ng pag bill saakin twice. Tapos na yung loan nag double bill kayo on time naman magbayad lagi.
Magaling din agents niyo @homecreditph Alam na alam pano mag disconnect ng call eh. Kunwari may technical issue, pansin naman na dinig ako ng agent niyo 😂
I have loaned to home credit ph an amount of 12k and in the span of months I have paid atleast 7k already but then an unfortunate incident happened where my phone was damaged together with the sim card
1 day lang na-delay sa HMO loan, naka more than 20 calls na sila today
A large block of neutral coverage tracks Home Credit PH's corporate news: Security Bank's ₱10–11B acquisition of MUFG's 25% stake (with Krungsri retaining 75%), record sales, the LenderLink partnership, and broader consumer-finance positioning. Investor-and-finance-twitter is the main audience here, not borrowers.
Security Bank completed its ₱11-billion acquisition of MUFG’s 25% stake in Home Credit PH, enhancing its consumer finance strategy alongside Krungsri’s 75% retained stake.
Security Bank buys 25% of Home Credit PH for ₱10.4B
Two major financial groups based in Thailand and Japan have completed their acquisition of consumer finance provider Home Credit Philippines for ₱24.4 billion.
Home Credit Philippines achieves record-breaking P61 billion in sales for 2024, marking a 19% growth.
Home Credit Philippines has joined LenderLink's network, giving them real-time access to 45 million borrower records.
A minority of voices are positive: long-time customers emotionally celebrating finally paying off a multi-year HC loan, a Twitter fan praising HC's micro-lending business model, and TikTok users posting playful brand love. These coexist with the negative volume rather than offset it.
Halos 2 taon akong hirap na hirap sa kakabayad sa HC dahil hndi nagkakasya budget.. buti at natapos na din.
I started to avail this Loan in Pandemic because all of my family was relieved from their Jobs and I was the only one who has.
If there's one company that I really want to do an IPO, it's — Home Credit. Lingid sa kaalaman ng nakakarami, bilyones ang kita nila.
Homecredit user since 2019 🙌
I love Homecredit 🫰😂
A breakdown of the 109 posts the tagger excluded as wrong-market — mostly Home Credit Indonesia agent promos and Indonesian/Malay keyword noise that matched HC search terms but isn't about HC.
Posts the tagger flagged as wrong_market — outside Home Credit Philippines. Shown for transparency; not part of the customer-voice analysis above.
Indonesian sellers using HC Indonesia installment financing to sell phones, appliances, motorcycles. Not Home Credit PH customers and not Home Credit Indonesia's own posts.
@HomeCredit_In @homecreditid @homecreditcz @homecreditvn @sspghaziabad2 @dm_ghaziabad FIR/NCR No 0120/2023 dated 25.10.2023 Dear customer, payment towards your Home Credit Loan number4001917184 is overdue. Ashok Kumar on behalf of Home Credit may visit you regarding the same.
SEGAMPANG ITU DAPETIN LIMIT DI HOMECREDIT ❗️❗️❗️ PROSES CEPAT HANYA 3-5 MENIT AJA, DAN BANYAK PROMO MENANTI KALIAN 🥳 YUK CEK LIMITMU SEKARANG ❗️❗️❗️ #myhomecreditindonesia #bisajadijadibisa #homecredit #segampangitu
Punya limit home Credit bisa digunakan untuk Cicilan Syarat kredit : 1. Ktp Asli 2. Usia 18 th - 65 th 3. Dp Mulai Rp 0 - 1 juta 4. Gratis 1-2x Cicilan 5. Promo bunga rendah Hingga 0% BANTU FOLLOW BIAR TIDAK KETINGGALAN UPDATE PROMO TERBARUNYA #hello green pramuka #homecreditin
Ajukan limit sekarang dan dapatkan promo spesial di HomeCredit Indonesia. Caranya gampang cukup 3 menit! #segampangitu 1. Download & buka Aplikasi My Home Credit 2. Foto KTP & Selfie dengan jelas 3. Isi data diri dan penghasilan 4. Pastikan data yang dimasukkan sudah bena
Limit Homecredit Punya Limit Homecredit Bisa di Gunakan Buat Cicilan Kredit Syarat: 1. KTP Asli 2. Usia 18th-65th 3. Dp Mulai dari 0% 4. Gratis 1-2x Cicilan 5. Tanpa Kartu Kredit 6. Promo Bunga Rendah Hingga 0% "BANTU FOLLOW BIAR TIDAK KETINGGALAN UPDATE PROMO TERBARUNYA #iboxind
Ajukan limit sekarang dan dapatkan promo spesial di HomeCredit Indonesia. Caranya gampang cukup 3 menit! #segampangitu 1. Download & buka Aplikasi My Home Credit 2. Foto KTP & Selfie dengan jelas 3. Isi data diri dan penghasilan 4. Pastikan data yang dimasukkan sudah benar 5. Te
Posts that actually reference HC Indonesia. Mostly HC Indonesia's official brand replies; one customer complaint.
@matchamilkboba Pastikan hanya menghubungi akun resmi Home Credit Indonesia hanya di @HomeCreditID yang terdapat centang biru ( sudah terverifikasi). Selalu berhati-hati atas oknum yang mengatasnamakan HCID. Thanks ^^Frida
@ajieajieajie_ Pastikan hanya menghubungi akun resmi Home Credit Indonesia hanya di @HomeCreditID yang terdapat centang biru ( sudah terverifikasi). Selalu berhati-hati atas oknum yang mengatasnamakan HCID. Thanks ^Sandy
@matchamilkboba Hi Kak @matchamilkboba , maaf ya, jika kakak mengalami kendala, link https://t.co/wm2anUhJGg kami di bio, atau Call Center kami ke nomor 02129539600, email care@homecredit.co.id . Home Credit Indonesia @HomeCreditID yang terdapat centang biru Selalu . Thanks -dian
See the truth about Home Credit, what kind of employees and staff they are who talk to their customers in such bad language and abuse them. @homecreditid @HomeCredit @homecreditph @homecreditcz @homecredit_kz @HomeCredit_In https://t.co/rTYUSim2XW
Posts in Indonesian or Malay that matched HC keywords (cicilan, kredit, KTP) but aren't about Home Credit — BRI bank news, family-plan IG ads, generic loan / property chatter.
@ajieajieajie_ Hi Kak @ajieajieajie_ sebagai informasi, jika kakak mengalami kendala atau keluhan, silakan Kontak Kami dengan klik link https://t.co/wm2anUhJGg kami di bio, atau Call Center kami ke nomor (021) 29539600, email care@homecredit.co.id
@matchamilkboba Hi Kak @matchamilkboba, sebagai informasi, jika kakak mengalami kendala atau keluhan, silakan Kontak Kami dengan klik link https://t.co/wm2anUhJGg kami di bio, atau Call Center kami ke nomor (021) 29539600, email care@homecredit.co.id .
Sesuai informasi yang sudah disampaikan sebelumnya, aplikasi BRI Credit Card Mobile sudah dilakukan penutupan pada tanggal 15 April 2026. Untuk OVO U Card, Sobat BRI bisa melakukan pengecekan tagihan dan sisa limit melalui BRI Contact 1500017 atau Sabrina WhatsApp 0812 1214 017 d
Pengen nge cancel ni credit card susah amat, limit gede takut dipake orang sialan https://t.co/pR5ULqzS0g
Dapet call dari chbb mau nawarin produk tapi bilangnya fasilitas baru prioritas pengguna kartu kredi bank BN. Katanya pencairan mudah untuk pembayaran tagihan medical. Bilang aja produk asuransi njir. Hardselling gitu amat 😪
Swasembada Papan 2045 Dibarengi Kemampuan Bayar MBR https://t.co/Uc1kQfccnF #rumah #mortgage #housing #property
Posts referencing Home Credit India.
The acquisition of an 81% stake in Home Credit India for ₹554 crore marks a definitive entry into the consumer finance segment. While the growth is sensational, the pledged promoter holding has spiked to 16.9% (down from a peak of 23.06% but still significant), signaling that the
Her numbers on Day 1: * Take home: ₹42,000/month * Loan: ₹3,00,000 at 18% p.a. * EMI: ₹10,846/month * Credit score: 634 The loan was eating ₹4,500 in interest in the first month alone. That is 10% of her income gone to the bank before rent or food.
Most people don't realize how much the Federal Reserve Chair affects their daily life. Jerome Powell's interest rate decisions over 8 years affected your home loan EMIs, credit card rates, job market, stock market, and even the value of the Indian Rupee vs US Dollar. That's t
@HomeCredit_In why is that I am getting sms that my home loan amount is pending and it's around 1.24 lacs and I have to pay at earliest otherwise. My number was used by some other person before I got it. Go and get him instead of harassing. Resolve it ASAP before I lodge complain
Non-Indonesian content that matched HC keywords — e.g. Home Credit Ltd (UK), Home Credit Czech Republic, miscellaneous foreign-language posts.
@loafskotone diinfokan 𐙚 famplan ✧ 1 bulan — 9k ✧ 2 bulan — 12k (renew) 𐙚 mixplan (inplan+famplan) ✧ 2 bulan — 14k ✧ 3 bulan — 20k (renew) 𐙚 indplan ✧ 1 bulan — 11k ✧ 3 bulan — 33k (no garansi) ✧ 3 bulan — 44k (garansi bf)
@gcfshny yuuu fastt💗 💿 YOUTUBE PREMIUM fastt invt ୨୧ trusted access ⋆ full garansi ♡ ⌗ Famplan 1 bulan — 8k 2 bulan — 13k ⌗ Indplan 1 bulan — 15k 3 bulan — 35k (no renew) ⌗ Mixplan 2 bulan — 17k 3 bulan — 20k 4 bulan — 30k 🧷 fast process after payment
Hi Saloni, we’re very sorry to hear about your experience and sincerely regret the distress caused. This is not in line with our service standards, and we take such concerns very seriously. We would request you to share the evidence of the instance at our official email address c
@HDFCERGOGIC कोई भी क्लेम देने पर बहुत सारे झूठे तकनीकी कारण बताकर क्लेम को रिजेक्ट कर देती है। इनसे कोई भी home loan सुरक्षा से संबंधित पॉलिसी न ले। मेरे साथ ऐसावाकया हो चुका है। इस इंशयोरेंस का बहिष्कार करें। ज्यादा से ज्यादा इस पोस्ट को रिट्वीट करें। @customercarehdfcergo
@ETNowSwadesh LIC Housing Finance is struggling against PSU banks which are competing at home loan rates as low as 7.35%. LIC HF is being squeezed on yield. https://t.co/JnXJgmMyBQ
Mshahara ikiingia… pressure nayo haichelewi. Loan deduction imekatwa, rent, school fees, fare, shopping… na before ujipange vizuri, salary imeanza kuisha. What if your loan deduction was lower every month? Unaitas Personal Loans, you can now get up to 144 months to repay mean