Making Big Dreams Possible with Home Credit

“Mark and Manilyn’s story reminds us of what’s possible when financial access meets real ambition. Our mission is to bring life-changing opportunities closer to everyday Filipinos. Their journey is proof that with the right tools and support, big dreams can come true.” ~Shiela Paul, Chief Marketing Officer of Home Credit Philippines

Every Filipino aspires to live a better life, one that is stable, comfortable, and full of growth chances.  These objectives represent the aspirations we have for ourselves and our loved ones, whether they are home ownership, launching a new career, or just easily handling daily expenses.  And even if obstacles and a lack of resources can occasionally slow us down, the correct assistance can transform even the most straightforward moment into a potent fresh start.

Home Credit Philippines, the top consumer finance company in the nation, marked a turning point for many. With flexible payment plans and reasonably priced financing choices, Home Credit enables Filipinos to confidently move toward the future they have always dreamed of—one attainable goal at a time.

A laptop that changed everything

Consider the motivational tale of 35-year-olds Manilyn and Mark Anthony Agus, who once worked many side jobs to supplement their income.  They started with a single, easy opportunity made possible by Home Credit, and now they are flourishing as full-time virtual assistants, creating a combined six-figure monthly income.  Mark worked at a factory before becoming a delivery and ride-hailing rider before their careers took off.  While Manilyn had a tiny internet business selling ornamental pebbles, he also assisted her in selling home-cooked meals.

Despite their hard work, the majority of their income was used to cover everyday costs and Mark's mother's medical bills.  Before a fortuitous meeting at an electronics store transformed their life, their aspirations of home ownership and financial security seemed far off.

“We were just walking around the mall in 2022 when a Home Credit sales associate introduced us to their installment plans. All they asked for was one valid ID. The process was quick—less than a minute—and we walked out with a laptop. With Home Credit’s help, my husband and I were able to start new careers, and now we’re earning up to six digits. We availed a cash loan through the Home Credit App, and in as fast as one minute, it was already approved. We have great trust in Home Credit because it played a big role in helping us build a better life. If Home Credit were a person, we would wholeheartedly say thank you, because it enabled us to buy a laptop that became the starting point for my husband and me to pursue our dreams. We’ve come a long way since the days when we relied only on side hustles.” ~Manilyn Agus

That laptop was more than just a device. It was a stepping stone.

From Struggles to Stability

With her new laptop, Manilyn secured her first virtual assistant job. Realizing the potential of remote work, she encouraged Mark to follow the same path. Soon, they secured a second laptop through Home Credit, allowing them both to work from home full-time.

“Napakalaking tulong sa amin ng Home Credit. Ito ang naging pundasyon namin para makapag-trabaho as virtual assistants (The laptop we got through Home Credit was a huge help. It became the foundation of our work as virtual assistants.).” ~Mark Anthony Agus

Since then, the couple has taken out and successfully paid off 11 loans with Home Credit—including cash loans and product installments. They’ve gradually built the life they once only dreamed of: owning a home, upgrading appliances like refrigerators and washing machines, buying furniture, motorcycles, and even a PS5 for leisure.

Most recently, they used a ₱30,000 Home Credit Cash Loan to renovate their kitchen—approved in just one minute through the Home Credit App. 

Helping Filipinos Achieve the Good Life

From a single gadget to a thriving home-based career, Mark and Manilyn’s experience reflects what Home Credit stands for: making progress possible, one empowered Filipino at a time. 

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph, or get the Home Credit App from Google Play, the App Store, or Huawei AppGallery. You may also follow its official Facebook, Instagram, and TikTok accounts.  

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).  

About Home Credit 

Home Credit Philippines is the leading consumer finance company in the Philippines. Backed by Bank of Ayudhya Public Company Limited, the fifth largest bank in Thailand and by MUFG Bank Ltd., the largest banking group in Japan, and trusted by a strong and diverse set of banks locally and worldwide, the company plays a pivotal role in driving financial inclusion for Filipinos by expanding access to credit opportunities and transforming the consumer finance landscape in the Philippines.  

  

In its 11th year, Home Credit has served 11 million customers and credited over 350 billion pesos worth of loans through its portfolio of products that cater to the different needs of its customers—installment financing, cash loans, credit cards, and a virtual spending limit named Qwarta. Trusted by Filipinos, Home Credit is registered with the Security and Exchange Commission and regulated by the Bangko Sentral ng Pilipinas. The company was recognized as the Best Finance Company of the Philippines in 2024 by the Asian Banking & Finance (ABF) Retail Banking Awards.  

  

More information on HCPH is available at www.homecredit.ph.