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Buy now, pay later

Compare buy now, pay later options for purchases. Review installment dates, interest and late fees, and check whether a promotion applies to the item you want.

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A LITTLE ABOUT YOUR PLANS

Start with what you need.

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1 Your needs2 Your options
₱100₱200,000
1 month24 months

A shorter term can mean a higher monthly payment.

Helps check published income requirements.

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YOUR STARTING POINT, MADE CLEARER

10 companies to compare

Choose an amount and term above to see potential options.

Updates as you adjust

We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

Plan your repayments

Calculate payments →Check affordability →Compare written offers →
BEFORE YOU CHOOSE

What deserves a closer look

01

Compare with paying cash

Check if a cash discount is lost or extra services are added when choosing installments.

02

Keep track across apps

Several small payment schedules can become a large monthly commitment.

03

Check returns and cancellations

Refund processing may not immediately cancel a repayment obligation. Read the product’s rules.

Your questions, answered.

Is buy now, pay later the same as a cash loan?

No. Purchase financing pays for eligible goods or transactions. Do not assume a shopping limit can be withdrawn as cash.

Can I use Home Credit installments at any shop?

No. Purchase-financing options can be limited to partner stores and eligible items. Check that your exact store and product are covered before relying on a promotion. A shopping limit is not a general-purpose cash balance.

Can a larger down payment lower my installments?

A larger deposit reduces the amount you need to finance and can reduce your installments. Ask for a revised quotation because the rate, term or promotion may change too. Compare the total cash paid under both options.

Does a zero-interest promotion mean I pay the cash price?

Check the actual checkout total, fees and optional services, and whether a cash discount is lost. The headline alone cannot answer this.

Why does my installment offer differ from someone else’s?

Eligibility, item, merchant, deposit and term can differ. Compare the offer shown for your own purchase rather than a promotional example.

What happens to installments if I return the item?

Ask both merchant and lender about cancellation and refund processing. Keep paying as required until they confirm the revised obligation in writing.

Can several small BNPL purchases become expensive together?

Yes. Add every due payment across providers to your monthly budget. Several manageable-looking installments can fall in the same week.

Should I add insurance or other services at checkout?

Check what each add-on covers, whether it is optional and its total price. Compare the quotation with and without optional extras.

Does Pesopal approve installment loans or lend me money?

No. Pesopal compares installment borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing installment options on Pesopal?

Check the checkout cash price, deposit, add-ons, fees and every installment on the lender’s official website or app, then confirm your written offer.

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