One smart move gave Joyce Tan peace of mind when she needed it most, showing how Home Credit supports its customers through life’s unexpected moments.
For Joyce Tan, a young Gen Z professional living independently in Taguig, life has always been about balance—managing work, rent, bills, and everyday expenses while still making room for the things that matter.
In 2021, she made what seemed like a simple, practical decision: purchasing an iPhone 13 through Home Credit Philippines. Along with it came an offer she didn’t hesitate to accept—Home Credit Protect, a service designed to provide added security for financed purchases.
At the time, it was a straightforward choice. But soon, it would prove to be something far more important.
An Unexpected Turn
Life took an unexpected turn when Joyce began experiencing sudden changes in her blood pressure, eventually leading to a diagnosis of Stage 2 hypertension that required hospitalization.
Faced with mounting expenses—from hospital bills and medication to rent, utilities, and daily needs—Joyce found herself navigating a challenging financial moment.
That’s when her earlier decision made a difference.
“ Noong bumili ako ng iPhone 13, in-offer sa akin ‘yong Home Credit Protect. Nung na-explain sa akin kung ano yung benefits niya, hindi talaga ako nagdalawang-isip na kumuha,” Joyce shared.
Support When It Matters Most
Through Home Credit Protect, Joyce was able to access key benefits after submitting the necessary documents, including waived installment payments for two months. This provided immediate financial relief—giving her space to prioritize her recovery without the added pressure of missing payments or incurring penalties.
“Nabawasan talaga ‘yong stress ko pagdating sa monthly payments ko kay Home Credit. Hindi ko talaga in-expect na ‘yong phone na binili ko would eventually help me during my health emergency,” she said. “Dahil sa Home Credit Protect, nagkaroon ako ng peace of mind at mas nakapag-focus ako sa pagpapagaling ko.”
More Than Just Financing
Joyce’s story reflects a broader mission—how Home Credit Philippines has supported over 13 million Filipinos over the past 13 years through financial solutions designed to make everyday life more manageable.
Behind every number is a unique journey—each shaped by different needs, goals, and unexpected moments. Joyce’s experience is a reminder that even small, practical decisions today can create meaningful support when it’s needed most.
“Through products and services designed around our customers’ evolving needs, we remain committed to supporting Filipinos in both everyday purchases and life’s important moments,” said Jana Pechouckova, Senior Executive Vice President of Home Credit Philippines.
A Smarter Way Forward
In a world where uncertainties can arise at any time, having the right support system can make all the difference. Joyce’s journey highlights how thoughtful choices—no matter how simple they may seem—can provide real protection, peace of mind, and the freedom to focus on what truly matters.
Discover more inspiring Kwentong Home Credit stories and learn how making wais decisions today can help secure a more confident tomorrow.
For more updates, visit Home Credit Philippines’ official website, download the Home Credit App, or follow its social media channels.
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).
