Home Credit iPhone 18 Pro Now PhP137 a Day, Trade-In Up to PhP50,000

Home Credit iPhone 18 Pro and iPhone 18 Pro Max financing now starts at PhP137 a day, after the consumer finance company opened its Double-Zero offer and a new trade-in program on October 16. Eligible customers get 0% interest and zero down payment on purchases at participating authorized Apple stores, with installment terms of up to 24 months.

At 24 months, PhP137 a day adds up to about PhP100,010 by our arithmetic, which lines up with the iPhone 18 Pro Max 256GB listed at PhP99,990 on Apple PH. The iPhone 18 Pro starts at PhP94,990. Home Credit’s figure assumes 0% interest and zero down payment, and the company says the final rate, term and down payment still depend on the customer’s eligibility.

Home Credit iPhone 18 Pro Double-Zero covers 0% interest and zero down payment

Double-Zero applies to the iPhone 18 Pro and iPhone 18 Pro Max at authorized Apple stores nationwide. Home Credit says the offer carries 0% interest and zero down payment with up to 24 months to pay, and that customers should check their installment shopping offer in the Home Credit app before visiting a store. Terms and conditions apply. The PhP137 a day headline carries DTI Fair Trade Permit No. FTEB-242751 Series of 2025, and the promo art also lists FTEB-269275 Series of 2026.

Trade-in value of up to PhP50,000, plus up to PhP12,000 in discounts

The new trade-in program gives eligible customers up to PhP50,000 for a current iPhone, and the approved value goes toward the down payment of the new unit bought through Home Credit. On top of that, eligible buyers can get additional discounts of up to PhP12,000, which puts the combined ceiling at about PhP62,000 off a purchase that starts at PhP94,990 outright.

“At Home Credit, we believe that getting closer to the things you want should feel simpler and more affordable. With our Double-Zero offer and new Trade-in deals, customers can now enjoy a simpler and more affordable upgrade experience,” said Puneet Suneja, Chief Sales Officer of Home Credit Philippines.

The trade-off is the lock-in. Buying outright from Apple PH carries no monthly commitment, while the Double-Zero route spreads the cost across 24 months and ties the unit to a Home Credit installment account, so the per-day figure is worth comparing against the outright price before signing.

Where to avail, and the iPhone Duo pre-order at PhP227 a day

The offers run through Home Credit’s partner network across Luzon, Visayas and Mindanao, including Abenson, Aerophone, Beyond the Box, Cellboy, Digimap, Digital Walker, GameXtreme, In-box, Power Mac Center, Silicon Valley, The Loop and Wiltelcom, plus more than 5,000 Apple resellers that accept Home Credit financing.

Home Credit also added the iPhone Duo to its financing line-up. Pre-orders opened on October 16 at 8 p.m. at PhP227 a day for up to 24 months, also calculated on 0% interest and zero down payment. The iPhone Duo is priced from PhP159,990 in the Philippines, and the Smart pre-order plans open at PhP6,304 a month.

The iPhone 18 Pro and iPhone 18 Pro Max midnight launch on October 16 drew more than 300 buyers across three Metro Manila venues, and Beyond the Box and Digital Walker put the freebies handed out that night at over PhP12 million. Both retailers have been running pre-order bundles since early October, and our midnight launch coverage has the venue-by-venue breakdown.