Dec 13, 2017 (updated : Jul 6, 2020)

Home Credit Philippines Smartphone Installment Promos 2020

With the undoubted evolution of smartphones, be it from the entry-level to the higher ends, one can hardly avoid the temptation of buying a new unit. Good thing, acquiring one can now be done easily through the help of Home Credit.

For some, getting approved in an installment payment scheme needs no effort as they have already built good standing as frequent credit card users. But for first-time borrowers, it may take a while.

Interestingly, Home Credit has been up changing the way of Filipino consumers since it started in the country in October 2013. The company promotes the principles of safe-lending and financial inclusion from the small-time earners to the well-offs. They offer various type of loans and lending plans which can be availed through their more than 7,000 partner shops across the country.

The company's most flexible loan is the Standard Loan which promises easy approval in 1 minute with just 2 valid IDs. Through Home Credit's Standard Loan, you can set both the down payment* and the length of repayment in terms of 6, 9, and 12 months. It is currently being offered exclusively for selected mobile phones, tablets, phone accessories, laptops, computers, furniture, home appliances, and electronics. We've listed some of the smartphones you can avail through Home Credit including current sample computations.

  • For products PHP 5,000 and up: a minimum of 20% + 3% of the financed amount (Origination Fee)
  • For products PHP 5,000 and below: a minimum of 10% + 3% of the financed amount (Origination Fee)

Home Credit Philippines Smartphone Installment Promos 2020

7. Vivo Y19

If you are on the lookout for a budget phone with mid-range specs, the Vivo Y19 makes a good choice. It is powered by a MediaTek Helio P65 processor with 4GB of RAM and 128GB of expandable storage. The Y19 sports a 6.53-inch FHD+ Halo FullView display and features an AI triple camera system that incorporates a 16MP Main lens, an 8MP Super Wide-angle lens, and a 2MP Macro lens at the back, guaranteed to capture almost every scene in your everyday life.

In addition, the smartphone ensures power all-day with its massive 5,000mAh battery with Dual-Engine Fast Charging technology. Interestingly for an entry-level phone, the Y19 can turn into a power bank. It features a reverse charging function which enables you to recharge compatible devices.

Display Size6.53 inches
Display ResolutionFHD+ 2340 x 1080 pixels
OS verFuntouch OS 9.2 (based on Android 9.0 Pie)
CPUMediaTek MT6768 Helio P65 Octa-core
CPU Speed2x2.0 GHz Cortex-A75 & 6x1.7 GHz Cortex-A55
Storage128GB
RAM4GB
Main Camera16MP + 8MP + 2MP
Front Camera16MP
Battery5000mAh Dual Engine Fast Charge (9V2A) Reverse Charging
Dimensions162.15 x 76.47 x 8.89 mm
Weight193 g
ColorMagnetic Black, Spring White

The Vivo Y19 was announced in the Philippines in November 2019 with a price tag of PHP 10,999. With Home Credit, one can more easily buy the Y19 through monthly installment options through their partner stores nationwide. Below are sample computations for the Vivo Y19 in minimum and half-the-price amounts of down payment.

Vivo Y19 Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 2,200PHP 264PHP 1,466PHP 978PHP 733
PHP 5,499.50PHP 165PHP 917PHP 611PHP 458
The prices are subject to change without notice

6. Realme XT

Focused on strong performance and trendy design, Realme has recently come up with its mid-range smartphone offering, the Realme XT. True to its promise, it was sold out in just a week after it was made available in their stores in late 2019.

Promoted as the Quad Camera Xpert, it sports a whopping 64MP ultra-high-resolution sensor – the highest-resolution sensor on a smartphone in its time, an 8MP ultra-wide lens, a 2MP depth sensor, and a 2MP macro lens.

The XT is powered by a Qualcomm Snapdragon 712 paired with 8GB of RAM and 128GB expandable storage. With 20W of power VOOC Flash Charge technology, its 4,000mAh battery only needs 80 minutes to recharge to full. As for its display, it is fitted with a 6.4-inch FHD+ Super AMOLED display that features both face unlock and in-display fingerprint scanner.

Display Size6.4 inches
Display ResolutionSuper AMOLED FHD+ 2340 x 1080 pixels, 402 ppi
OS verColorOS 6 (Android 9.0 Pie)
CPUQualcomm SDM712 Snapdragon 712 (10 nm) Octa-core
CPU Speed2x2.3 GHz Kryo 360 Gold & 6x1.7 GHz Kryo 360 Silver
Storage64GB, 128GB
External StoragemicroSD, up to 256GB
RAM4GB, 6GB, 8GB
Main Camera64MP + 8MP + 2MP + 2MP
Front Camera16MP
Battery4000mAh VOOC 3.0 Flash Charge
Dimensions158.7 x 75.2 x 8.6 mm
Weight183 g (with battery)
ColorPearl White, Pearl Blue

The Realme XT retails for PHP 16,990 but a lighter installment payment method is available through Home Credit's Standard Loan available through their partner stores nationwide. Below are sample computations for the Realme XT in minimum and in half-the-price amounts of down payment.

Realme XT Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 3,398PHP 408PHP 2,265PHP 1,510PHP 1,133
PHP 8,495PHP 255PHP 1,416PHP 944PHP 708
The prices are subject to change without notice

5. OPPO Reno2 F

The Chinese smartphone manufacture launched the OPPO Reno2 in October 2019 together with its more affordable version, the Reno2 F. The latter is powered by the same MediaTek Helio P70 octa-core processor from its brother F11 Pro, but with a larger 8GB RAM and 128GB expandable storage.

The Reno2 F assures users can capture moments without limits with its Quad Camera at its back equipped with a 48MP Ultra-clear Main lens, an 8MP Wide Angle lens, 2MP Mono lens, and 2MP Portrait lens. It is backed by a 4,000mAh battery with fast charging capability and features an in-display fingerprint scanner to ensure user's privacy.

Display Size6.5 inches
Display ResolutionFHD+ 2340 x 1080 pixels at 394 ppi; AMOLED
OS verColorOS 6.1, based on Android 9 Pie
CPUMediaTek MT6771V Helio P70 Octa-core
CPU Speed4x2.1 GHz Cortex-A73 & 4x2.0 GHz Cortex-A53
Storage128GB
External StorageUp to 256GB
RAM8GB
Main Camera48MP + 8MP + 2MP + 2MP
Front Camera16MP (Motorized pop-up)
Battery3900/4000mAh(Min/Typ) VOOC Flash Charge 3.0
Dimensions161.8 x 75.8 x 8.7 mm
WeightAbout 195 g
ColorSky White, Lake Green

For a price tag of PHP 19,990, the Reno2 F might be heavy for a one-time payment for some. Luckily, one may choose to avail it with low monthly payments through Home Credit's Standard Loan offered in their partner stores. Below are sample computations for the OPPO Reno2 F in minimum and in half-the-price amounts of down payment.

OPPO Reno2 F Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 3,998PHP 480PHP 2,655PHP 1,777PHP 1,333
PHP 9,995PHP 300PHP 1,666PHP 1,111PHP 833
The prices are subject to change without notice

4. Vivo V17 Pro

Released in October 2019, the V17 Pro is an addition to the flagship V series of the Chinese manufacturer Vivo. It is one of the notable devices in its time for having top-notch specs and good features. Powering the V17 Pro is a Qualcomm Snapdragon 675 processor coupled with 8GB of RAM and 128GB of expandable storage, while packed with a huge 4,100mAh battery.

The V17 Pro makes sure you capture it all with a powerful camera kit in your hand. It is equipped with a quad-camera at its back which includes a 48MP Sony IMX582 main lens, an 8MP Ultra-wide lens, a 2MP Macro lens, and a 2MP Depth Sensor. On top of that, it features a dual front camera with a 32MP lens and 8MP Ultra-wide lens accessible through a pop-up panel, a one of its kind in the market.

Display Size6.44 inches
Display ResolutionFHD+ 2400 x 1080 pixels
OS verFuntouch OS 9.1 (based on Android 9 Pie)
CPUQualcomm SDM675 Snapdragon 675 AIE Octa-core
CPU Speed2x2.0 GHz Kryo 460 Gold & 6x1.7 GHz Kryo 460 Silver
Storage128GB
External StorageNo
RAM8GB
Main Camera48MP + 8MP + 2MP + 2MP
Front Camera32MP + 8MP (Pop-Up)
Battery4,100 mAh Dual-Engine Fast Charging (9V 2A)
Dimensions159.0 x 74.7 x 9.8 mm
Weight201.8 g
ColorKnight Black, Crystal White

With a price tag of PHP 21,999, you get flagship specs with a mid-level price. If you find the V17 Pro heavy on the budget, there is an installment option available in most electronic stores today. Thanks to Home Credit's Standard Loan. Below are sample computations for the Vivo V17 Pro in minimum and in half-the-price amounts of down payment.

Vivo V17 Pro Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 4,400PHP 528PHP 2,933PHP 1,955PHP 1,467
PHP 10,999.50PHP 330PHP 1,833PHP 1,222PHP 917
The prices are subject to change without notice

3. HUAWEI nova 5T

Ever since they started, HUAWEI has been pushing smartphone capabilities, be it for their entry-level offerings or their flagship series. In August 2019, the HUAWEI nova 5T was announced proving yet again how the brand innovates impressively.

Its dazzling colors and reflective design gives the nova 5T its distinctive look. At its back, it boasts AI cameras that take high-resolution and next-level photos and videos through a 48MP Main lens, a 16MP Super Wide Angle lens, a 2MP Depth Assist sensor, and a 2MP Macro lens. A side-mounted fingerprint sensor can be found for easy unlock and for ensured privacy.

Despite being in the mid-level segment, the nova 5T is powered by a flagship-level Kirin 980 processor paired with 8GB of RAM and 128GB of internal storage. It is armed with 3,750mAh battery, a little less compared to its competitors, though it proudly features a 22.5W HUAWEI SuperCharge system that can charge 50% battery life in just 30 minutes.

Display Size6.26 inches
Display ResolutionFHD+ 2310 x 1080 pixels
OS verAndroid 9.0 (Pie); EMUI 9.1
CPUHUAWEI Kirin 980 Octa-core
CPU Speed2 x Cortex-A76 Based 2.6 GHz + 2 x Cortex-A76 Based 1.92 GHz + 4 x Cortex-A55 1.8 GHz
Storage128GB
External StorageNo
RAM8GB
Main Camera48MP + 16MP + 2MP + 2MP
Front Camera32MP
BatteryNon-removable Li-Po battery 3750 mAh (typical value) 3650 mAh (minimum value) Super charging 5V / 4.5A, compatible with 9V / 2A
Dimensions154.25 x 73.97 x 7.87 mm
Weight174 g (including the battery)
ColorBlack, Crush Blue, Midsummer Purple

The HUAWEI nova 5T was announced with a cash price of PHP 18,990, but an easier installment payment is available through Home Credit's Standard Loan. Below are sample computations for the nova 5T in minimum and in half-the-price amounts of down payment.

HUAWEI nova 5T Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 3,798PHP 456PHP 2,532PHP 1,688PHP 1,266
PHP 9,495PHP 285PHP 1,582PHP 1,055PHP 791
The prices are subject to change without notice

2. Vivo S1 Pro

If you are a fan of Vivo but find the V17 Pro expensive, by this time you might have decided to go for the entry-level Y19. Hold up as you might also reconsider the brand's mid-range offering, the Vivo S1 Pro. It promises technology and style of its own with a distinctive look inspired by fine jewelry and royal places.

Ensuring powerful performance and smooth experience, the S1 Pro comes equipped with a Qualcomm Snapdragon 665 octa-core processor paired with 8GB of RAM and 128GB expandable storage. It houses a 4,500mAh battery featuring Vivo's exclusive Dual-Engine Fast Charging technology.

As for its display, it features a 6.38-inch Super AMOLED display with In-Display Fingerprint Scanning function. The S1 Pro can also capture every scene with clarity delivered by its quad-camera at the back with a 48MP Main lens, an 8MP Ultra-wide lens, a 2MP Depth Sensor, and a 2MP Macro lens.

Display Size6.39 inches
Display ResolutionFHD+ 2340 x 1080 pixels, 19.5:9 ratio (~403 ppi density)
OS verFuntouch OS 9 based on Android 9 Pie
CPUQualcomm SDM675 Snapdragon 675AIE (11 nm) Octa core
CPU Speed2x2.0 GHz Kryo 460 Gold & 6x1.7 GHz Kryo 460 Silver
Storage128GB, 256GB
External StoragemicroSD, up to 256 GB
RAM6GB, 8GB
Main Camera48MP + 8MP + 5MP
Front Camera32MP
BatteryNon-removable Li-Po 3,700 mAh battery
Dimensions157.25 x 74.71 x 8.21 mm
Weight185 g
ColorKnight Black, Midsummer dream, Fancy Sky, Red, Blue

The Vivo S1 Pro is priced at PHP 13,999 for a one-time payment but an easy-approval installment option is available through Home Credit's Standard Loan which can be availed through their partner stores. Below are sample computations for the S1 Pro in minimum and in half-the-price amounts of down payment.

Vivo S1 Pro Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 2,800PHP 336PHP 1,866PHP 1,244PHP 933
PHP 6,999.50PHP 210PHP 1,166PHP 778PHP 583
The prices are subject to change without notice

1. OPPO A9 2020

In September 2019, OPPO unveiled one of their mid-range offerings, the A9 2020. It promises all the features you want for a mid-level smartphone. Powering it is a Qualcomm Snapdragon 665 working in tandem with 8GB of RAM that delivers faster performances while lowering power consumption by 20%. What's even more interesting, it comes with 128GB of ROM that can be expanded up to 256GB through a 3-card slot, making it capable of carrying dual-SIM and tons of extra storage.

Ensuring all-day use, the A9 2020 proudly boasts a 5,000mAh Ultra Battery with reverse charging capability to power all your other devices in the palm of your hand. At its back fits four cameras with a 48MP Main lens, an 8MP Ultra-wide lens, and two 2MP lenses that deliver artistic portrait effects.

Display Size6.5 inches (16.5cm)
Display ResolutionHD+ 1600 x 720 pixels, 20:9 ratio (~270 ppi density)
OS verColorOS 6.0.1, based on Android 9 (Pie)
CPUQualcomm Snapdragon 665 with Game Boost 2.0 Octa-core
CPU Speed4x2.0 GHz Kryo 260 Gold & 4x1.8 GHz Kryo 260 Silver
Storage128GB
External StoragemicroSD for up to 256GB
RAM4GB, 8GB
Main Camera48MP + 8MP + 2MP + 2MP
Front Camera16MP
BatteryNon-removable Li-Po 4880/5000mAh (Min/Typ)
Dimensions163.6 x 75.6 x 9.1 mm (HxWxD)
WeightAbout 195 g
ColorMarine Green, Space Purple, Vanilla Mint (Disney Edition)

As for its price tag, the OPPO A9 2020 in the color Vanilla Mint retails at PHP 15,990, while the Purple and Green colorways are priced at PHP 13,990. If you want to get the A9 2020 but find the price too steep for your budget, a lighter monthly payment is available through Home Credit's Standard Loan. Below are sample computations for the A9 2020 in minimum and in half-the-price amounts of down payment.

OPPO A9 2020 (Vanilla Mint) Pro Home Credit Standard Loan

Cash-out upon approval
Downpayment
Cash-out upon approval
Origination fee
Monthly payment
6 months
Monthly payment
9 months
Monthly payment
12 months
PHP 3,198PHP 384PHP 2,132PHP 1,421PHP 1,066
PHP 7,995PHP 240PHP 1,332PHP 888PHP 666
The prices are subject to change without notice

Conclusion

The Philippines' electronic market is flooded with newer models of smartphones almost every month with the fast development of technology. People love to spoil themselves especially those who just started earning as acquiring the latest on the rack is a statement that rules today. Thankfully, Home Credit extends world-class lending services to mass-market customers by helping them overcome their financial needs. Simply visit any of their partner stores, apply and bring home your next dream phone without having to shell out thousands in a one-time payment.

Spec Comparison

Vivo Y19 Vivo Y19 Realme XT Realme XT OPPO Reno2 F OPPO Reno2 F Vivo V17 Pro Vivo V17 Pro HUAWEI nova 5T HUAWEI nova 5T Vivo S1 Pro Vivo S1 Pro OPPO A9 2020 OPPO A9 2020
Lowest Price P9,699 P8,000 P13,270 P1,999 P12,000 Used P12,424 P8,900
Release date Nov 2019 Oct 2019 Oct 2019 Oct 2019 Aug 2019 - Sep 2019
CPU MediaTek MT6768 Helio P65
Octa-core
Qualcomm SDM712 Snapdragon 712 (10 nm)
Octa-core
MediaTek MT6771V Helio P70
Octa-core
Qualcomm SDM675 Snapdragon 675 AIE
Octa-core
HUAWEI Kirin 980
Octa-core
Qualcomm SDM675 Snapdragon 675AIE (11 nm)
Octa core
Qualcomm Snapdragon 665 with Game Boost 2.0
Octa-core
OS ver Funtouch OS 9.2 (based on Android 9.0 Pie) ColorOS 6 (Android 9.0 Pie) ColorOS 6.1, based on Android 9 Pie Funtouch OS 9.1 (based on Android 9 Pie) Android 9.0 (Pie); EMUI 9.1 Funtouch OS 9 based on Android 9 Pie ColorOS 6.0.1, based on Android 9 (Pie)
Display Size 6.53 inches 6.4 inches 6.5 inches 6.44 inches 6.26 inches 6.39 inches 6.5 inches (16.5cm)
Display Resolution FHD+ 2340 x 1080 pixels Super AMOLED FHD+ 2340 x 1080 pixels, 402 ppi FHD+ 2340 x 1080 pixels at 394 ppi; AMOLED FHD+ 2400 x 1080 pixels FHD+ 2310 x 1080 pixels FHD+ 2340 x 1080 pixels, 19.5:9 ratio (~403 ppi density) HD+ 1600 x 720 pixels, 20:9 ratio (~270 ppi density)
RAM 4GB 4GB, 6GB, 8GB 8GB 8GB 8GB 6GB, 8GB 4GB, 8GB
Storage 128GB 64GB, 128GB 128GB 128GB 128GB 128GB, 256GB 128GB
External Storage - microSD, up to 256GB Up to 256GB No No microSD, up to 256 GB microSD for up to 256GB
Main Camera 16MP + 8MP + 2MP 64MP + 8MP + 2MP + 2MP 48MP + 8MP + 2MP + 2MP 48MP + 8MP + 2MP + 2MP 48MP + 16MP + 2MP + 2MP 48MP + 8MP + 5MP 48MP + 8MP + 2MP + 2MP
Front Camera 16MP 16MP 16MP (Motorized pop-up) 32MP + 8MP (Pop-Up) 32MP 32MP 16MP
Battery 5000mAh
Dual Engine Fast Charge (9V2A)
Reverse Charging
4000mAh
VOOC 3.0 Flash Charge
3900/4000mAh(Min/Typ)
VOOC Flash Charge 3.0
4,100 mAh
Dual-Engine Fast Charging (9V 2A)
Non-removable Li-Po battery
3750 mAh (typical value)
3650 mAh (minimum value)

Super charging 5V / 4.5A, compatible with 9V / 2A
Non-removable Li-Po 3,700 mAh battery Non-removable Li-Po
4880/5000mAh (Min/Typ)