If there is one thing about me, it is that I love giving gifts during Christmas. I am that person who starts creating a gift list early, keeps notes on what my family wants, and gets super excited imagining their reactions when they open their presents. But every year, I also face the same challenge: what meaningful gift can I give without blowing my budget?

Usually, we all end up considering the safe choices like mugs, socks, or scented candles. They are cute, but this year I wanted to give something more. Something they will actually use and appreciate long after the holidays. So imagine how happy I was when I discovered that gifting something bigger, better, and more memorable is now possible for as low as ₱20 a day. All thanks to Home Credit’s Great Double Zero Festival.

Zero down payment and 0 percent interest. Yes, that is real.

Home Credit Makes Christmas Shopping a Whole Lot Easier

Home Credit Philippines (HCPH) is basically the secret weapon of anyone who loves to give gifts but also loves sticking to a budget. With the Great Double Zero Festival, your Christmas shopping becomes easier and so much more exciting because you can finally get those dream gifts for your loved ones without the stress.

Whether it is a new phone for your sibling, an appliance for your parents, a laptop for your inaanak starting school, or even a treat for yourself, everything becomes possible with 0 percent interest, zero down payment, and installment terms of up to 24 months.

Trust me, the options are so good that you will start getting excited about your gift list again.

Home Appliances for a Cozier Home (As low as ₱25 per day)

Every time I give an appliance, it feels like I am giving comfort and convenience that the whole family can enjoy.

• Condura 8.2 cu ft Inverter Refrigerator
  Perfect for keeping food fresh, especially for families who love to cook.
  As low as ₱25 per day or ₱749 per month for 18 months
  ₱18,601 SRP
• Devant 55 inch 4K UHD Smart TV
  Nothing beats movie nights with the family. This gift is always a hit.
  As low as ₱30 per day or ₱909 per month for 18 months
  ₱22,313 SRP
• Panasonic 8.6 cu ft Inverter Two Door Refrigerator
  An energy efficient and reliable gift for any home.
  As low as ₱28 per day or ₱839 per month for 18 months
  ₱20,600 SRP

Gifterrific Gadgets for Only ₱20 a Day

These are the gifts that make my siblings and friends light up. There is something about a new gadget that instantly upgrades someone’s everyday routine.

• Vivo V50 Lite 4G
  Sleek, stylish, and perfect for everyday use.
  As low as ₱20 per day or ₱599 per month for 18 months
  ₱13,999 SRP
• Xiaomi Redmi Note 14
  A great pick for students or anyone browsing social media all day.
  As low as ₱26 per day or ₱769 per month for 9 months
  ₱9,499 SRP
• Honor Pad 9 with Keyboard
  A multitasking dream for work, school, and entertainment.
  As low as ₱26 per day or ₱769 per month for 18 months
  ₱17,999 SRP

Holiday Hustle Ready Laptops (From ₱50 per day)

If you have ever gifted a laptop before, you know the joy it brings. It is like giving someone the ability to reach their goals, and that hits differently.

• Acer Aspire Lite
  A reliable pick for students or remote workers.
  As low as ₱50 per day or ₱1,499 per month for 18 months
  ₱36,999 SRP
• Asus TUF A15
  A performance machine for gamers and creators.
  As low as ₱62 per day or ₱1,869 per month for 18 months
  ₱45,999 SRP
• Lenovo LOQ
  Ideal for people who need power and performance every day.
  As low as ₱79 per day or ₱2,359 per month for 18 months
  ₱57,995 SRP

Giving Meaningful Gifts Has Never Been This Easy

The best part is that the Great Double Zero Festival runs until December 31, 2025. You have plenty of time to prepare the perfect gifts for everyone.

Applying is incredibly easy. Just show one valid ID, get approved in as fast as one minute (subject to eligibility), and you are all set. With over 18,000 partner stores nationwide, Home Credit representatives are always ready to help.

If you want an even smoother experience, you can get pre approved through the Home Credit App on Google Play, App Store, and Huawei AppGallery. Anything that makes holiday shopping faster is always a win for me.

Make This Christmas Your Most Meaningful One Yet

If you are like me and you love making your family and friends happy during the holidays, Home Credit is such a blessing. The best gifts do not need to stress you out. They just need to come from the heart. And now, they are more accessible than ever.

Explore the perfect gifts at Shoppingmall.ph
Check updates at www.homecredit.ph
Follow Home Credit Philippines on Facebook, Instagram, and TikTok

This year, let us make our gifts bigger, brighter, and more meaningful without breaking the bank.