Turn Your Dream Home Upgrade Into Reality With SM Appliance Center and Home Credit

Let’s be honest: we’ve all stared at that old, noisy refrigerator or wished for an inverter aircon during those scorching afternoons, only to hesitate at the price tag.

Major home upgrades often stay locked on our wishlists simply because paying a massive upfront cost isn't practical for the monthly budget.

That changes this season. Home Credit Philippines and SM Appliance Center have teamed up to launch the return of the Grand Pay Hulugan Promo, running nationwide from August 1 to September 30, 2026.

Big Savings, Zero Upfront Stress

Instead of saving up for months just to replace a single broken unit, this nationwide campaign lets you bring home what your household needs right now without draining your savings.

0% Down Payment: Eligible customers can walk away with new appliances without paying a single peso upfront.

Triple-Item Bundles: Financed up to three different appliances in a single, streamlined transaction.

Up to 40% Off: Enjoy direct discounts on selected items across all stores.

0% Interest Financing: Spread your payments comfortably over up to 18 months.

Upgrade Your Daily Living

Whether you want to upgrade to a smart TV for weekend family movie nights, get a high-capacity washing machine to cut down laundry time, or lower your electricity bills with energy-efficient cooling, you don't have to tackle those purchases one by one. By bundling up to three items, you can transform your kitchen, living room, and laundry area all at once.

As Puneet Suneja, Chief Sales Officer of Home Credit Philippines, highlights, appliances are meaningful investments in a family's daily quality of life. The goal of this partnership is to give Filipino households immediate access to reliable home tools while keeping monthly payments manageable.

How to Claim Your Home Upgrade

Ready to revamp your living space? Taking advantage of the offer is simple:

Visit Any Branch: Head over to your nearest SM Appliance Center nationwide before September 30, 2026.

Select Your Items: Pick out your essential upgrades, from kitchen setups to entertainment systems.

Apply via Home Credit: Speak with a Home Credit representative inside the store or pre-apply by downloading the Home Credit App.

For complete product listings and promo details, visit the official website at www.homecredit.ph or follow Home Credit Philippines on Facebook, Instagram, and TikTok.