Big Home Upgrades, Easier Monthly Payments: Home Credit and SM Appliance Center Roll Out Another Grand Pay Hulugan

If upgrading your home has been on your 2026 vision board, now’s the perfect time to make it happen. Home Credit Philippines teams up  once again with SM Appliance Center for Grand Pay Hulugan—a limited-time  promo that makes dream appliances more affordable with up to 45% off, 0% interest up to 18 months, and zero down payment. 

Running from February 1 to March 31, 2026, the promo is exclusive to Home Credit  customers and available in participating SM Appliance Center branches nationwide. 

Upgrade your space—without the big upfront spend 

From movie-night TVs to energy-saving refrigerators and laundry must-haves, Grand Pay Hulugan is all about saying yes to home upgrades—without stressing over the budget. With 0% interest up to 18 months and 0 down payment, customers can  spread payments comfortably over time and even bundle up to three (3) items in  one transaction. 

It’s the kind of deal that makes upgrading feel less like a splurge—and more like a smart life move. 

What are the offers? Think big brands and everyday essentials The promo covers a wide range of appliances from trusted brands, with standout deals that are hard to pass up, such as: 

• Big-screen smart TVs for next-level movie nights, including Samsung, LG, and TCL models 
• Inverter refrigerators from TCL, Panasonic, and LG designed to keep food fresh while saving energy 
• Panasonic, LG, and Condura air conditioners perfect for the Philippine heat, with inverter models offering both comfort and efficiency 
• Inverter washing machines from LG and Panasonic, and washer-dryer combos from TCL that make laundry days quicker and easier 
• Audio and entertainment essentials from JBL, Samsung, and Sony to level up at-home celebrations and chill weekends 

With prices significantly marked down and monthly installments made more manageable, upgrading multiple parts of your home is finally within reach

This item’s classification is Internal. It was created by and is in property of the Home Credit Philippines. Do not distribute outside of the organization. 

Exclusively for Home Credit customers 

Grand Pay Hulugan is available exclusively to Home Credit customers shopping at  SM Appliance Center, where Home Credit sales associates help make the  appliance-buying experience easier and more enjoyable—from choosing the right product to checking out with confidence. 

“Our goal is to make everyday living better and more accessible,” said Sheila Paul,  Chief Marketing Officer of Home Credit Philippines. “Through Grand Pay Hulugan,  we’re giving customers more freedom to upgrade their homes in a way that fits their lifestyle and their budget.” 

When and where to shop 

Visit your nearest SM Appliance Center store, SM Appliance Center Website  (https://www.smappliance.com/blogs/2026/grand-pay-hulugan1), or SM Appliance Center Facebook page (https://www.facebook.com/SMAppliance) to explore the full list of offers. Promo runs from February 1 to March 31, 2026. Terms and conditions  apply. 

DTI Fair Trade Permit No. 245808, Series of 2026.