Home Credit Customer Care Number: How to Reach the Right Support, Fast

Because Home Credit operates in multiple countries and offers a wide range of products (point-of-sale financing, cash loans, credit lines, and protection add-ons), the official customer care number differs by country and sometimes by product. In addition, helpline numbers are occasionally updated, and third-party sites may display outdated or incorrect numbers. The most reliable source is always the “Contact” page on your country’s official Home Credit website or the Call/Chat function inside the official mobile app.

If you’re searching for “Home Credit customer care number,” start by confirming your country site below and use the published hotline from that page. Avoid dialing numbers shown only in ads, SMS forwards, or social posts. When in doubt, use the in-app call button; it dials the currently active support line for your account and routes you to the correct team (collections, repayment support, merchant POS help, or general service).

Official Home Credit Websites (Use These to Get the Current Hotline)

The quickest way to get the correct, up-to-date customer care number is to open the Contact/Support page for your country site. Bookmark the link that applies to you and use the number shown there. If your country isn’t listed, try your local language site via the region selector in the page footer.

• India: https://www.homecredit.co.in (tap Support or Contact Us in the menu)
• Philippines: https://www.homecredit.ph (Customer Support section shows hotline and service hours)
• Indonesia: https://www.homecredit.co.id (Hubungi Kami page lists phone/chat options)
• Vietnam: https://www.homecredit.vn (Hỗ trợ/Contact section for hotline and chat)
• Czech Republic: https://www.homecredit.cz (Kontakt page for phone/email)
• Kazakhstan: https://www.homecredit.kz (Контакты page for hotline details)

Tip: If you already use the Home Credit mobile app, open the profile icon, then Help/Support. The “Call us” or “Request a callback” option will display or route to the verified number for your product. This in-app route minimizes misdials and ensures proper account verification when you connect.

Service hours vary by market, but most consumer lines operate on business days and weekends, typically within 08:00–20:00 local time. Peak call times are often 10:00–13:00 and 17:00–19:00; you’ll usually get faster pickup outside those windows or via the “callback” feature, which commonly connects within 5–15 minutes during business hours.

Fastest Ways to Reach Home Credit Support

Use the official mobile app for the most reliable experience. The app can authenticate your device and account automatically, which speeds up security checks. From there, you can place a direct call, initiate secure chat, or raise a ticket. If you’re traveling, in-app chat is often the fastest method; response times are typically under 2–10 minutes during posted hours.

If you prefer calling, dial the country-specific hotline from the official website. For faster routing, be ready to select menu options such as 1) repayment and due dates, 2) statements and NOCs, 3) loan application status, 4) card or account blocks, or 5) merchant/point-of-sale support. If a toll-free line is offered, it’s usually free from domestic lines; international roaming calls may incur your carrier’s rates.

What to Prepare Before You Call

Having a few details ready ensures your query is solved in one go and reduces time spent in verification. Keep these on hand before you dial or open chat:

• Your loan or contract number (often 10–16 digits), or your registered mobile number and date of birth for identity verification.
• Repayment details: last payment date, amount, and method (UPI, bank transfer, cash partner, debit card). Payment reference or UTR helps trace unposted payments.
• Device or merchant details for POS financing: store name, city, purchase date, and invoice number.
• For disputes: screenshots of SMS/email confirmations, bank statements (last 3–6 months), and any error messages or decline codes.
• For closures/NOC: preferred email address and timeline (e.g., NOC needed within 3–5 business days for RC/insurance updates).

Expect a short security check. Legitimate agents may ask for your full name, date of birth, and partial ID details you already provided during onboarding. They will not request your OTP, full card PAN, CVV, or online banking passwords.

Common Issues Customer Care Can Resolve and Typical Timelines

Payment posting and reconciliation: digital payments (UPI/bank transfers/cards) usually post within 15 minutes to 24 hours. Cash payments at partner stores can take 1–3 business days, depending on cut-off times. If a payment hasn’t posted after 48 hours, support can open a trace with your reference number/UTR and update you within 2–5 business days.

Statements, NOCs, and closures: account statements are typically emailed instantly to your registered address once verified. After full loan closure, No Objection Certificates (NOCs) and closure letters are usually issued within 3–7 business days. If your credit bureau update is pending after closure, it commonly refreshes within 7–30 days; you can request an expedited bureau update ticket for urgent cases.

Product changes and errors: address or contact updates are processed within 24–48 hours after KYC verification. EMI date changes, tenure adjustments, or pre-closure quotes are typically provided same day (quotes valid for a limited period, often 3–7 days). Dispute investigations for double debits or merchant issues may take 7–15 business days, depending on acquiring bank responses.

Fees, Charges, and Repayment Support

If you’re calling about charges, ask the agent to read out the exact tariff applied to your contract. Late fees and interest on overdue balances are usually charged per day and displayed in your app/account; effective annualized rates vary by product and jurisdiction. Prepayment or foreclosure fees may range from 0–5% of the remaining principal in some markets; your exact figure depends on your contract date and local regulations.

Need flexibility? Ask about grace periods, payment extensions, or restructuring options before your due date. In many cases, submitting a request 2–3 business days ahead yields better terms and preserves your bureau score. If you’re facing financial hardship, dedicated teams can outline hardship or forbearance programs; you’ll be asked for income/expenditure details to tailor an affordable plan.

Escalation Matrix and Regulatory Recourse

If your issue isn’t resolved at first contact, request a ticket/case ID and the promised turnaround time. Most consumer cases receive acknowledgment within 1 business day and resolution within 7–15 business days, depending on complexity. If a deadline is missed, ask to escalate to a senior agent or case manager and confirm the new timeline by email/SMS.

Every country site publishes an escalation path—often including a “Grievance Officer,” “Nodal Officer,” or “Complaints” email/postal address. Use the official website’s Complaints/Grievance page to get the correct contact and template. If you remain unsatisfied after the company’s final response (or if statutory timelines lapse), follow your regulator’s formal process. For example, in India, you can lodge a complaint via the Reserve Bank of India’s CMS portal (search “RBI CMS” on the official rbi.org.in domain). In the Philippines, file via the Bangko Sentral ng Pilipinas consumer assistance page on the official bsp.gov.ph site. Always submit your case ID, timeline, and evidence when escalating.

Safety and Scam Prevention When Calling “Customer Care”

Fraudsters often impersonate lenders by spoofing caller IDs and posting fake numbers on search/social. Protect yourself by dialing only the hotline shown on the official country website or inside the official app. Genuine agents will never ask for one-time passwords (OTP), full card numbers, CVV, online banking passwords, or to install remote-access apps. If any of these are requested, hang up immediately and report the incident to the official support channel.

When you receive an unexpected call claiming to be from “Home Credit”—especially about refunds, loan top-ups, or “account blocks”—do not share information. Instead, end the call and redial the number from the official site or app. If you’ve shared sensitive data by mistake, call the official hotline at once to secure your account, change app credentials, and monitor your bank/UPI for unusual activity. Prompt reporting within minutes to hours dramatically improves the chances of blocking fraudulent transactions.

Bottom Line

The correct Home Credit customer care number depends on your country and product. To avoid outdated or fraudulent contacts, use the “Contact Us” page on your country’s official Home Credit website (e.g., homecredit.co.in, homecredit.ph, homecredit.co.id) or the call/chat button inside the official mobile app. Prepare your contract details, verify the agent, and get a case ID for any follow-up. With these steps, you’ll reach the right team quickly and resolve issues within standard timelines.

What kind of company is Home Credit?

consumer finance provider
Home Credit Philippines is a consumer finance provider. The company operates in the Philippines as a subsidiary of MUFG Krungsri (refer to press release “Home Credit Philippines enters new growth chapter following acquisition by Thailand’s Krungsri and Japan’s MUFG”).

Does Home Credit do personal loans?

Home Credit Finance: Consumer Loans, Easy EMIs, Personal Loans.

What is the minimum credit score you need for a home loan?

620
You generally need a credit score of at least 620 to qualify for a conventional mortgage, though every lender is different. It’s possible to qualify for an FHA loan, which is backed by the federal government, with a credit score as low as 500.

How to pay full payment in Home Credit?

Full Early Repayment
If you decide to finish the loan within the first 15 days after contract signing, you can repay the full loan amount without any fees and interest. To process it, call our Customer Service Hotline at (02) 7753 5711.