Upgrading to a new iPhone can be a major expense, but Home Credit Philippines is offering financing options that could make the latest models easier to budget for. Eligible customers can purchase the iPhone 18 Pro and iPhone 18 Pro Max through its Double-Zero financing offer, with advertised payments starting at ₱137 per day for up to 24 months.
Announced on October 16, 2026, the offer combines zero down payment and 0% interest for qualified buyers at participating authorized Apple retailers. Home Credit has also introduced a trade-in program that lets eligible customers exchange their current iPhone for a credit of up to ₱50,000, plus potential discounts of up to ₱12,000 on a new device.
For consumers planning an upgrade, the key question is whether these offers fit their budget and how much they will ultimately pay.
How Does Home Credit's iPhone 18 Pro Financing Work?
Home Credit's Double-Zero offer allows eligible customers to purchase an iPhone 18 Pro or iPhone 18 Pro Max with no initial down payment and no interest, subject to approval and the promotion's terms.
The financing period can extend to 24 months, giving buyers more time to spread out the cost instead of paying the full amount upfront.
According to Home Credit, qualified customers can get the devices for as low as ₱137 per day. However, this is an advertised starting amount, not a guaranteed payment for every buyer or configuration.
Before applying, shoppers should confirm the actual installment amount, applicable fees, repayment schedule, and total amount payable for their chosen model and storage capacity.
Can You Trade In Your Old iPhone for Up to ₱50,000?
Home Credit's new trade-in offer gives eligible customers another way to reduce the upfront cost of upgrading.
The company says customers may receive up to ₱50,000 in trade-in value for their existing iPhone. The approved value can be applied toward the down payment on a new iPhone purchased through Home Credit.
Eligible customers may also receive additional discounts of up to ₱12,000.
Here's how the advertised benefits work:
- Trade-in value: Up to ₱50,000 for an eligible existing iPhone.
- Additional discount: Up to ₱12,000 for qualified customers.
- Payment arrangement: The approved trade-in value can be applied toward the new phone's down payment.
- Eligibility: The actual trade-in value and discount depend on the applicable offer conditions.
The maximum trade-in value and maximum discount should not be assumed to apply to every device or customer. Buyers should ask participating retailers to assess their current phone and confirm the final amount before committing to a purchase.
Where Can You Get the iPhone 18 Pro Through Home Credit?
Home Credit says the financing and trade-in offers are available through participating authorized Apple retailers and its wider nationwide retail network.
Participating Apple partner stores listed in the announcement include:
- Abenson
- Aerophone
- Beyond the Box
- Cellboy
- Digimap
- Digital Walker
- GameXtreme
- In-box
- Power Mac Center
- Silicon Valley
- The Loop
- Wiltelcom
The company also says its financing is available through more than 5,000 Apple resellers offering Home Credit services.
Availability may vary by retailer, device configuration, and customer eligibility. Shoppers should confirm that their chosen branch participates in the specific promotion before visiting.
Customers can check their installment shopping offer eligibility through the Home Credit app.
What About the iPhone Duo?
Home Credit's October 16 announcement also included a separate financing offer for the iPhone Duo.
According to the company, pre-orders began at 8 p.m. on October 16, with advertised payments starting at ₱227 per day for up to 24 months under the stated 0% interest and zero-down-payment arrangement.
As with the iPhone 18 Pro offers, the advertised amount is subject to eligibility and the applicable terms. Buyers should verify the final installment schedule and total repayment amount before proceeding.
Is Home Credit's iPhone Offer Worth Considering?
Home Credit's Double-Zero financing and trade-in promotion gives eligible Filipino consumers two ways to approach an iPhone upgrade: spread the purchase cost over time or use the value of an existing device to help fund the next one.
The potential ₱50,000 trade-in credit and additional discounts of up to ₱12,000 may be attractive to customers with eligible devices. However, the actual savings depend on the phone being traded in, the approved financing terms, and the specific model selected.
For shoppers, the smartest approach is to compare the final price and total repayment cost rather than choosing a financing offer based solely on its advertised daily payment.
For more information, visit Home Credit Philippines or check your eligibility through the Home Credit app. Terms and conditions apply.