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But what if we told you that trusted financial partners like Home Credit, BillEase, and Skyro can make it so much easier? If you’re looking for 0% interest for lower total payment, only Home Credit and BillEase provide this tempting service. Meanwhile, Home Credit’s 0% interest fundamentally operates the same way - but the company boasts 18,000 partner stores nationwide, which you can also check at Shoppingmall.ph. Regular non-promo interest rates, meanwhile, have Home Credit at 0-5.99%, BillEase at a static 3.49%, and Skyro at 1.5-7%.  All loans can be over as little a span as 2 months, or stretched out to 12 (Skyro) or 24 (Home Credit and BillEase) Is there any flexibility in these loans? Most notably, Home Credit offers a value-added service called Loan Extra Care for low monthly fees of PHP 49 (product loans) and PHP 99 (cash loans). You’ll only need to pay for that month’s interest fee and the Home Credit Protect fee, saving you from any future interest charges. With Home Credit, new customers can select from 0-40% depending on their customer profile. BillEase trims that down to an impressive couple of minutes, but Home Credit goes above and beyond by getting you set up in just a minute. Read more in our articles including "How to Get the Best Deals on Christmas Tech: Home Credit vs. the Competition" and "Microsoft teams up with Intel, announces Project Evo".