A story of how Home Credit supports customers beyond credit, helping them build confidence, achieve goals, and create a brighter future.
For content creator and influencer Christy Tabanyag, better known to her followers as Miss Deliciousness, success was not achieved overnight. It was built through years of hard work, sacrifice, determination, and responsible financial decisions. Behind her colorful content and Disney Princess-inspired persona is a story of resilience—one shaped by perseverance and supported by Home Credit as a trusted financial partner through some of life’s most challenging moments.
A long-time Home Credit customer, Christy began her journey years before becoming a social media personality. Before entering the world of content creation, she worked as a call center agent and was one of her family’s primary breadwinners. Like many Filipinos, she had to balance her personal aspirations with family responsibilities, often leaving little room for unexpected expenses.
Her financial challenges became even more difficult during the COVID-19 pandemic, when both her father and grandmother were hospitalized at the same time.
As medical expenses continued to mount, Christy turned to Home Credit for a Cash Loan, a financial solution made available through her long-standing relationship with the company and her track record as a responsible payer.
Building a Strong Credit Foundation
Christy’s relationship with Home Credit began in 2017, when she financed her first smartphone. Unfortunately, the phone was lost just two days after she purchased it.
Despite the setback, Christy remained committed to paying her installments on time. Years later, that responsible borrowing history proved valuable during the pandemic, when she needed financial assistance for a medical emergency.
Because of her good borrowing history with Home Credit, her cash loan was approved quickly.
“The funds were credited almost immediately, and I was able to use them for my father’s and grandmother’s hospital expenses,” she said.
Her experience demonstrated how maintaining responsible payment habits can help establish a strong credit foundation that may become valuable when unexpected financial needs arise.
Turning Credit into Opportunity
After successfully repaying her emergency cash loan, Christy continued to use Home Credit responsibly. This time, she applied for another loan to support the next chapter of her life—purchasing her first iPhone.
“I bought my dream phone, an iPhone XR, as I began my content creation journey in 2020,” she said. “It was the first iPhone I ever owned and it became an integral part of my journey as Miss Deliciousness. The support that I received from Home Credit gave me the confidence to feel financially secure while responsibly managing my loans.”
The device became an important tool in her content creation journey, helping her produce content that eventually contributed to the growth of her online presence and personal brand.
Responsible Borrowing Opens Doors
Beyond providing access to financing, Christy’s experience illustrates how flexible financial services and responsible credit habits can work together to support both everyday needs and major life moments.
Home Credit’s products and services are designed to provide practical financial support while encouraging disciplined repayment and long-term financial confidence.
Today, despite achieving greater financial stability, Christy continues to maintain an active credit record. For her, developing good financial habits is not simply about managing present needs—it can also help create opportunities for the future.
“If you’re planning to apply for bigger loans someday, lenders often look at your credit history,” she said. “That’s why maintaining a good credit record is something I really value.”
Jana Pechouckova, Senior Executive Vice President of Home Credit Philippines, emphasized the company’s commitment to helping Filipinos address immediate financial needs while working toward their long-term aspirations.
“At Home Credit, we are committed to helping Filipinos not only address their immediate needs but also build pathways to their future aspirations through accessible and flexible financial solutions, and responsible credit management. Christy’s experience shows how responsible use of Home Credit products and services can help customers establish a positive financial track record while working toward their long-term goals,” said Pechouckova.
For the latest updates from Home Credit Philippines, visit its official website or follow its official Facebook, Instagram, and TikTok accounts. Customers may also download the Home Credit App to get pre-approved, available through Google Play, the App Store, and HUAWEI AppGallery.
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).
