With the rise of financing services in the Philippines, Filipinos now have more options to choose from when buying their dream gadgets and home essentials while also being able to manage their finances wisely. Not all financial services are the same: some take a while to get approved, while others are difficult to apply for with the requirements they need. 

There are many financing services to choose from, so we keep it simple by highlighting three of the best and most accessible ones on the market.

If you’re looking for a financing service with the widest reach across the country, Home Credit is your top pick. With over 15,000 partner stores in more than 75 provinces nationwide, it’s a game-changer for Filipinos, especially those living outside Metro Manila who want a convenient and accessible way to finance the gadgets they want and the essentials they need. On top of that, Home Credit also has its own e-commerce platform, Shoppingmall.ph, where users can easily compare prices, explore available offers, and find the nearest partner stores. The maximum loanable amount for Home Credit product loans will depend on the item you decide to purchase, but what makes Home Credit great to use is its flexible repayment terms for up to 24 months, as well as its offers of as low as zero downpayment that makes repayment lighter and more affordable!

If you’re after low interest rates for loans, JuanHand is a great option. They offer loans of up to Php 25,000 with interest rates as low as 0.2% daily, Applying for a loan with JuanHand is simple: you only need one valid ID, and everything is done through the app. Juanhand claims that the process only takes 5 minutes, making it a convenient and safe option for your financing needs. JuanHand is a safe platform since they are registered with the SEC. Repaying loans is convenient with various options that include 7-Eleven, G-Cash, RD Pawnshop, and M. Lhuillier.

f you need a higher loan amount and often purchase at merchants like Lazada, Datablitz, Samsung, Agoda, Philippine Airlines, and Kimstore, Billease has you covered. Aside from having an app where you can apply for a loan, Billease offers loans of up to Php 40,000 with an interest rate of 3.49% monthly. While it has more requirements that include proof of billing and proof of income, Billease’s maximum loan is enough for the needs of most Filipinos, which include laptops, phones, TVs, tablets, and even other daily essentials. As a bonus, you can use BillEase for e-wallet top-ups, mobile load, and bill payments, which is a nice option to have in case you have to deal with unexpected expenses. However, BillEase is mainly available online and has more limited offline presence, unlike Home Credit, which is accessible in over 15,000 partner stores nationwide.

Home Credit also has one of the fastest and most efficient loan application processes—approvals can be done in as fast as one minute, compared to other providers like JuanHand which can take around five minutes.

On top of that, Home Credit provides 24/7 customer service, so there’s always someone available to assist you, any time of the day. Plus, with thousands of in-store sales associates nationwide, customers can enjoy a personalized, human touch, someone who can walk them through the process, answer their questions, and help them better understand their loan options right at the point of purchase. It’s this combination of speed, support, and personal service that makes Home Credit a top choice for financing.

As a special offer, Home Credit has its ongoing Sulit-Skwela campaign until July 31, where Filipinos can avail of deals as low as 0% interest on select products. Every Sulit-Skwela laptop from Home Credit also comes with a FREE Globe GFiber Prepaid UNLI internet—no lock-in, no monthly bills, no installation fee.

You can download the Home Credit App on Google Play, the App Store, or Huawei AppGallery to check your eligibility and get pre-approved for product installments. All competitor financing comparisons and computations are based on publicly available information from official brand websites, published rates, and store collaterals as of June 2025.