Promo Overview: This promo aims to increase Home Credit loan disbursement and repayment loan transactions through Palawan Pawnshop and PalawanPay and win up to Php 200,000 PalawanPay credits & Home Credit waived fees on their loan account.

Coverage: Home Credit

Promo Duration: January 28, 2026 to December 27, 2026.

Qualified to Participate: Home Credit Loan Availers

Promo Placements: Digital

PROMO MECHANICS:

1. Participating Partners: Home Credit

2. Promo will run from January 28, 2026, to December 27, 2026. Home Credit loan customers will earn an e-raffle entry when they loan and disburse through Palawan Pawnshop and make their loan payments via PalawanPay or via over-the-counter at any Palawan Pawnshop Branches. Minimum of Php 2,000.00.

Loan Repayment Raffle (Ongoing Reward)

• Eligibility: Customers who repay their Home Credit loan installment at a Palawan Pawnshop branch and register to the Google Form will earn 1 e-raffle entry per repayment, or 3 e-raffle entries per repayment if made through PalawanPay, provided their loan was disbursed through Palawan.
• Raffle Draw: Entries from repayments in each month qualify for a separate monthly raffle draw, held within the first week of the following month.
• Prizes:
  • 5 winners of Php 2,500 PalawanPay credits per month.
  • 5 winners will each receive a ₱2,500 fee waiver on their Home Credit loan account.
• Note: Every eligible repayment counts — no matter the loan type!
  
  

7. Witnessed with a DTI Representative, the e-raffle draw & announcement of winners will be held on the following dates:

DETERMINATION OF WINNERS

A. This will be electronically selected at the Palawan Pawnshop Head Office Building, with a representative from the DTI invited to witness the raffle draw.

B. Venue- PPG Head Office – Palawan Pawnshop Building, 170 Rizal Ave., Brgy. Masikap, Puerto Princesa City, 5300

Terms and Conditions:

1. For qualified transactions, Home Credit loans disbursement through Palawan Pawnshop and paid via PalawanPay verified account and/or over the counter to any Palawan Pawnshop Branches, the prize will be awarded to the registered name and PalawanPay mobile number used for payment.
   
   
2. All winners of the raffle will be announced on Palawan Pawnshop Palawan Express Pera Padala and PalawanPay social media pages (Facebook). Winners shall be notified via registered mail and SMS. To claim the prize, winners must acknowledge the verification from Palawan Group and or reach out after posting via the social media announcement.
   
   
3. Promo only applies to all successful Home Credit loan disbursement through Palawan Pawnshop and successfull payment transactions via PalawanPay or any Palawan Pawnshop Branches. Cancelled or failed transactions will not be qualified.
   
   
4. All taxes (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred for the prize shall be shouldered by Palawan Group.
   
   
5. The promo offers and prizes are not transferable. Claiming a prize through an authorized representative is not applicable.
   
   
6. This promo is valid for Home Credit loan disbursement via Palawan Pawnshop and loan payment transactions only. The offer cannot be used with other existing promotions.
   
   
7. All employees of Palawan Pawnshop Group/PalawanPay & participating biller (Home Credit) and their relatives up to second degree of consanguinity or affinity are ineligible to participate in this offer.