Home Credit And OPPO Team Up Once Again, With The OPPO A71

Prague-based Fintech company Home Credit and OPPO, the Philippines’ Top 2
international smartphone brand, are partnering once again to offer the new OPPO A71 smartphone at 0% interest installments even without a credit card.  With its already affordable price tag of P8,990, the new OPPO A71 can be availed by budget-savvy shoppers for only P927 per month at 6 months, with a 40% downpayment.

The promo runs until January 31, 2018 and offered in leading partner outlets throughout the country. Customers only need to present at least two valid IDs to apply, right inside the store, and can get the result of their loan application within minutes.

The A71 is a 5.2” smartphone with OPPO’s latest sleek uni-body design and luster edge for a more compact, enjoyable and ergonomic grip. Measuring only 7.6mm thick and weighing just 137 grams, this smartphone is finished with a nano-silver technology for a more elegant and overall premium feel. Its immersive 5.2” IPS HD display, powered by the latest Color OS 3.1 UI, provides the best experience whether watching movies or playing games. Its great
screen color reproduction is complemented by a protective scratch-resistant glass. 

Improved Photography Experience

Alongside the strong performance of the A71 is the improved camera optics of a 13-Megapixel camera with 1/3.06 sensor size for better sensitivity. It even includes multi-frame denoising technology for an overall clearer performance even in dark conditions.

The 5MP front camera with a bigger 1.4 µm pixel size will give better selfies with more detail, light and HDR mode for the best output. Additionally, you can have more dramatic effect with preset filters, selfie panorama, or bokeh for a richer selfie experience. All these with OPPO’s famous Beautify technology, to give the best selfie experience through natural enhancements.

Shooting more complex photos is also easier with OPPO’s expert photography mode. Settings such as white balance, exposure level, ISO, Shutter speed and focus can all be manually adjusted for the most ideal setting in any scenario. More details can also be captured with the A71’s Ultra HD mode to take Ultra high-definition 52MP photos.

Fluid User Experience

Experience speedy operation with the A71’s latest Color OS 3.1 based on Android version 7.1. User experience is enhanced with fluid launching time of apps, and more intuitive controls, including a wellness-promoting night shield mode to reduce eye-strain in scheduled times. Users can also take advantage of the split-screen feature to use two apps simultaneously like watching videos while browsing the web.

All these are possible with the A71’s 3GB RAM and Octa-Core processor that is built for multi-tasking when needed, as well as a bigger 3000mAh battery for all-day usage.

First major campaign in the country

Currently enjoying a successful year that saw them reach the one million-customer mark and undergo a brand refresh, Home Credit is also adding another feather to its cap with the launch of its very first digital ad campaign in the country.

Launched through a teaser video last August 22 on Facebook and YouTube, Home Credit Philippines’ maiden campaign follows the modern romantic story of a couple about to discover the perfect partner to their relationship—one that will let them enjoy the things that make life easier and more meaningful.

“At Home Credit, our job is to empower Filipinos by helping them afford the things that matter most to them, through easy-on- the-pocket installments even without a credit card,” remarked Franchette Cardona, Chief Marketing and Product Officer of Home Credit Philippines, which does in-store financing of smartphones, appliances, furniture and other goods through their retail and producer partners.

“That is precisely the message of our ad campaign—that now, you can achieve what you once thought was unreachable. And that is also the message behind our new slogan Now You Can” Ms. Cardona added.

The Home Credit Philippines exec explained that the new slogan is a regional tagline that aims to communicate both Home Credit’s continuing transformation as a global fintech company, as well as its ability to empower people through financial inclusion. For a full list of stores offering OPPO promos, please visit
https://www.homecredit.ph/products-promos/OPPO/.

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Home Credit Reaches Rhe 1M-Customer Mark In The Philippines

Home Credit, a Prague-based Fintech company that allows consumers to purchase smartphones and other goods on installment even without a credit card, celebrated a big milestone recently as it reached the one million customer mark, less than five months after reaching 600,000, and less than four years since serving their very first customer.

“In Home Credit’s four years so far in the country, we have observed that Filipinos tend to have a very positive attitude, and this is also true when it comes to buying goods. And often, they buy things not just for personal enjoyment, but also for enriching their lives and their loved ones,” explained Home Credit Philippines’ CEO Annica Witschard.

“So more than simply providing fast and affordable loans, we are able to help enrich the lives of our customers and the people that matter most to them. And we are glad to be able to do this for one million happy customers and counting,” she added.

Fast growth

Since launching in Manila in 2013, Home Credit has quickly grown its business of in-store financing of gadgets and other goods, especially for customers with no credit card or are first-time loan borrowers.

In 2016, the company grew its customer base from 280,000 to 600,000, and in the first few months of 2017, Home Credit expanded its reach in all major islands to become officially nationwide. Just a few weeks after that, the company welcomed its one millionth customer.

Today, Home Credit is present in over 2,500 partner stores in Metro Manila and 27 provinces, where they offer 0% interest installment promos and other popular loan products.

Home Credit’s secret formula

Asked for their “winning formula”, Ms. Witschard explained that aside from the huge popularity of their 0% interest loan promos and rapid expansion, their various partnerships—such as with leading retailers as well as the biggest electronics manufacturers—have also been big factors in their success.

“For us, it’s very much a win-win situation. We help our partners provide a good financing alternative for their customers who don’t have a credit card; at the same time, the huge popularity of products from companies such as Huawei, OPPO, Samsung, and Vivo help to drive demand for our own financing services,” she said.

“And of course, at the end of the day, the big winners are our customers,” Ms. Witschard added.

Safe lender

On what they have in store for customers moving forward, Ms. Witschard said that they can expect even more 0% interest promos with more partners, in more stores around the country. She likewise emphasized the importance of good customer service, even more so as they continue to grow. 

"At Home Credit, we like to say HC means Happy Customer and we take that commitment very seriously. So as we set our sights on our next one million customers, we remain committed as a safe lender that we will give our customers the best quality of service that they deserve," she said.

According to Ms. Witschard, the company is “doubling up on training our customer-facing employees, such as sales associates and credit advisors, to be even better listeners and communicators. We want them to understand where our customers are coming from and what their needs are."

These efforts are on top of existing “safe lending” features that Home Credit offers to customers, such as the option to avail of insurance along with the loan; a 15 day “cooling-off” period that allows customers to pay back the full loan at no added cost within this time period; and a loan “safety guarantee” that promises full transparency on loan products with no hidden charges.

For more information on store locations, new promos for partners such as Huawei, OPPO, Samsung and Vivo, and useful tips for customers and interested applicants, visit www.homecredit.ph.

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Home Credit and CIC Share Their Top Tips When Getting A Loan

Most of us have tried to used credit cards when we purchase or had loans for a big expense and even experienced to borrowed money from a co-worker. Well, don't worry because you are not alone. According to data from Banko Sentral ng Pilipinas, almost 50% of adult Filipinos have an outstanding debt while 33% had barrowed money from the past.

There are growing segment that has taken loans from lending or financing companies. And it's hard not to see why these non-traditional consumer finance companies are growing in popularity. Why? Because their requirements are usually much fewer than what banks ask for. Also, the approval process is very fast.

Credit Information Corporation (CIC) master these tips and check out their handy tips from consumer finance company Home Credit and its government partner below to learn:

1. Have a good credit record. 

Reflect to yourself if you are a good borrower or not. Check your credit history first before getting a loan.

2. First-timers have a chance, too. 
Home Credit can provide ooans for the first timer barrowers because they have their sophistiated system for screening the applications. CIC, can get credit data from telcos, cable companies, and more.

3. Know your rights and read the fine print.
Fully check your loan contract and find out if there are ahy special conditions.

4. Are you on time? Good. Ahead of time?
Remember your dues once your loan application was approved and signed. You can enroll it into bank auto-debit if you want, just make sure that you have fund in your account.

5. Let your lender know if you run into troubles.
Everyone can encounter financial difficulties that can be the cause on their ability to repay. If this happens, the safe thing to do is to tell your lender about it and do not hide.

If you have good credit record, you may have realized how big is your role in credit history. On the other hand, if you are prompt and diligent with your payments, that small loan can do wonders for you creadit history. For more information, you can visit www.homecreadit.ph.

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