Source-backed analysis8
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
8 reference sourcesInformation updated Nov 10, 2026
How we review
Home Credit Review
A consumer-finance company's app for loans, cards, pay-later and everyday utilities
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
Home Credit suits people who want to preview a loan, open a credit card or use pay-later on the phone and manage contracts in one place. It is a consumer-finance company's app rather than a bank's, so compare interest, fees and terms carefully before borrowing.
Best for: People who want to preview limits and rates for cash or installment loans before deciding
Skip it if: Those who need a payment account and interbank transfers like a bank app
Pros
- High ratings: 4.7/5 on the App Store (about 179,000 ratings) and 4.7/5 on Google Play (about 157,000)
- Shows loan amount, term and interest before you commit
- Manages loans, cards, Home PayLater, bills and top-ups in one app
Cons
- Not a banking app: no payment account or interbank transfers
- The listed flat rate range is wide (8.99%-33.94% a year); the real rate depends on your profile
All pros and cons · Who is it for?
Pros
- Credit cards link to Apple Pay (May 2026) and Google Pay
- Actively updated: version 3.175.3 on 3 November 2026
Cons
- The Google Play data label says location, photos, videos and other data may be shared with third parties
- Credit card fees and interest were adjusted twice in 2026 (from June and from September); read the latest notice
Best for
- Existing Home Credit card or Home PayLater holders who need to manage contracts and payments
Skip it if
- Borrowers hunting for the lowest rate; unsecured consumer-finance rates should be compared with other lenders
Problems it solves
Experience & key features
What it is
Home Credit Tài Chính Online (also called the Home App) is the app of Home Credit Vietnam Finance Company Limited. According to its homepage the company serves more than 18 million customers over 18 years, with about 6,000 staff and 16,000 points of sale. VnExpress reported the Home App launched in August 2022 and reached 6.6 million downloads by January 2025. It covers cash loans, electronics and motorbike installments, credit cards and the Home PayLater account.
How it works and features
Per the Google Play description you preview the amount, term and rate before deciding; applications are auto-approved in about 3 minutes and funds arrive 10 minutes after signing. Borrowers must be Vietnamese citizens aged 20 to 59 with a valid ID card. Contracts, statements and upcoming dues are all in the app, and you can pay through MoMo, ZaloPay, ShopeePay, Viettel Money or VNPay. Home PayLater pays via VietQR codes; according to VnExpress, Home Credit was the first BNPL provider in Vietnam to offer QR payments, at over 700,000 acceptance points.
Cost and value
Downloading is free; costs sit in the products. The homepage lists cash loans from 0.75% a month and Home PayLater with no hidden, management or conversion fees. The Google Play example: VND 40,000,000 over 12 months at an 8.99% flat annual rate means VND 3,651,000 a month (including a VND 11,000 bank fee) and VND 3,812,000 in total interest; that is the bottom of the rate range. Home Credit adjusted its service fees and credit card interest from June 2026 and again from September 2026, so read the current terms on the website. Unsecured rates depend on your profile, so compare total borrowing cost with other lenders before signing.
More analysis
Compared with alternatives
Fundiin and Kredivo also offer buy-now-pay-later, while MoMo and ShopeePay are e-wallets covering everyday payments. Home Credit stands out for cash loans and installments directly from a finance company, but it does not replace a bank account.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Ứng dụng Home Credit (tải miễn phí)
PersonalFree
The app is free to download; costs come from the financial products. The Google Play description lists cash loans of VND 3-250 million, terms of 3-57 months, flat interest of 8.99%-33.94% a year and credit cards with up to 45 interest-free days. Actual terms depend on each applicant's profile.
- Free plan limits
- Home Credit's homepage lists cash loans of VND 3-250 million from 0.75% a month, and Home PayLater with no hidden, management or conversion fees. Promotions change by campaign.
- Free trial
- No free trial
Cancellation & refunds
Not applicable to the app itself. Early-repayment and penalty terms sit in each product's contract and fee schedule.
Privacy
The Google Play Data safety section (self-declared) says the app may collect location, personal info and six other data types, may share location, photos, videos and five other types with third parties, encrypts data in transit and lets users request deletion. As a lending app it needs your national ID and identity details, which is worth weighing. The Google Play description says the company complies with the Personal Data Protection Law and Decree 356/2025/ND-CP; the website has a separate mobile-app data policy, which this research did not cross-check in full.
Home Credit alternatives
Frequently asked questions
Is Home Credit a bank?
No. Per its website and Google Play description, it is Home Credit Vietnam Finance Company Limited, a consumer-finance company licensed by the State Bank of Vietnam.
Does the app cost anything?
The app is free. Fees and interest arise only when you use financial products such as loans or credit cards.
How can I contact Home Credit?
Call 1900 633 633 for loans and other products (VND 1,000 a minute, 7am–9pm daily), 1900 633 999 for cards and Home PayLater, email [email protected] or use in-app chat.
Can Home Credit cards be used with Apple Pay?
Yes. Per the 21 May 2026 announcement, Home Credit credit cards work with Apple Pay and can be added from Apple Wallet or the app.
Review evidence & sources8
Scores
- Ease of use
- 7.8
- Features
- 7.0
- Value for money
- 6.5
- Performance
- 7.5
- Support
- 6.8
- Privacy & security
- 5.8
Why this score
A redesigned interface (June 2025) puts your products and payment reminders first, and ratings are 4.7/5 on both stores.
Why this score
Covers loans, cards, pay-later, bills and top-ups, but lacks payment accounts or investing, so scope is narrower than bank apps.
Why this score
The app is free and Home PayLater lists no hidden fees, but unsecured borrowing can be expensive (flat rates up to 33.94% a year per the listing) and depends on the applicant.
Why this score
Latest update on 3 November 2026 and consistently high store ratings, though some Google Play reviews report being unable to sign in; no independent speed or uptime data was found.
Why this score
Two hotlines (1900 633 633 and 1900 633 999), email, in-app chat, Facebook and Zalo. Marked down because, per Home Credit's own reply on Google Play, the 1900 633 633 line costs VND 1,000 a minute and runs only 7am–9pm, and some reviews say they could not get a response; no independent data on support quality.
Why this score
The self-declared label shows identity-related collection and possible third-party sharing; data is encrypted in transit and deletion can be requested.
What users say
- Apple App Store (Việt Nam)4.7/5 · 179,209
- Google Play4.7/5 · 157,000
Sources
- Vendor-providedHome Credit Vietnam homepageNov 10, 2026
- Vendor-providedHome Credit - App pageNov 10, 2026
- Vendor-providedHome Credit - New app interface (2025-06-06)Nov 10, 2026
- Vendor-providedHome Credit - Apple Pay announcement (2026-05-21)Nov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- pressVnExpress International (2025-01-21)Nov 10, 2026
- pressVietnam Investment Review (2023-12-20)Nov 10, 2026
Specs & compatibility
- Developer
- Công ty Tài chính TNHH MTV Home Credit Việt Nam
- Headquarters
- Vietnam
- Launched
- 2022
- Category
- Finance
Capabilities
- Mobile app
- Integrations
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- Apple Pay
- Google Pay
- VietQR
- MoMo
- ZaloPay
- ShopeePay
- Viettel Money
- VNPay
- Traveloka
- Be
Support
- Phone
- Live chat
Change history
- Feature.Version 3.175.3 is the latest on the App Store.
- Feature.Home Credit credit cards officially link with Apple Pay.
- Feature.Home Credit releases a new app interface that puts your products, offers and payment reminders first.
Full change history (6)
- Update.The Global Economics names the Home App Best Consumer Finance Mobile App and Home PayLater Most Innovative BNPL Platform; the app has 6.6 million downloads.
- Update.Home Credit signs a cooperation agreement with Traveloka for Home PayLater payments.
- Launch.The Home App launches (August 2022, per VnExpress).
About the author
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