A Gen Z’s Journey toward a confident lifestyle through bold steps and responsible borrowing
Every young Filipino dreams of independence, upgrading their lifestyle, and building a future on their own terms. Yet ambition often comes with responsibilities: rent, bills, and daily expenses can all make it difficult to take that first step toward bigger goals.
However, the right support can make all the difference.
For Jake Apayat from Bacolod, a private employee by day and freelancer at night, a single decision at age 21 set him on the path toward his dreams. With flexible financing and responsible borrowing, Home Credit Philippines (HCPH), the country’s leading consumer finance company, has helped the now 26-year-old Gen Z turn his ambitions into achievable milestones, giving him the confidence to start building the life he aspires to—one smart decision at a time.
The first big step
Jake’s journey toward the life he always wanted began with a simple but meaningful decision—buying an iPhone 11 at 21 years old. At that time, he was on a stage many young adults face working hard, covering rent and monthly bills on his own, and trying to build a stable, independent life.
However, saving enough to buy the phone in full was not possible, so he turned to Home Credit. Through a product loan with flexible payment terms, a quick approval process, and minimal requirements, he found a way to make the purchase fit his budget.
“Kahit mayroon akong trabaho, mayroon din naman akong expenses, tulad ng renta, bayad sa kuryente at tubig, at iba pa. Kaya, I did not have the financial capacity to buy that phone in cash. Pero para sa akin, hindi lang pang-flex ang phone na iyon. Iyon ang proof ng hard work ko, at sometimes, deserve rin natin ng reward,” Jake shared.
(Even if I had a job, I also had expenses like rent, electricity, water, and other bills. That is why I did not have the financial capacity to buy the phone in cash at that time. But for me, it was not just about showing off. It was a symbol of my hard work, and sometimes we deserve a reward.)
When his loan with Home Credit got approved, Jake felt a mix of excitement and worry.
“Isa sa mga pumasok talaga sa isip ko ay ‘Paano ko ba siya babayaran monthly? Baka magkaroon ako ng issue sa monthly payment ko at hindi ko siya kayang mabayaran,’” he recalled.
(One of the things that really crossed my mind was ‘How will I manage the monthly payments? What if I have issues paying on time or cannot afford it?’)
Even with these doubts, Jake committed to being responsible. He paid on time every month, steadily building a solid track record with Home Credit. That discipline became the foundation of his strong relationship with the company and set the stage for the bigger opportunities that eventually came his way.
From one move to better opportunities
Jake didn’t expect that a single purchase, combined with his commitment to responsible borrowing, would open doors to greater opportunities. Through the Home Credit App, he later received several cash loan offers worth ₱100,000 each —funds that became stepping stones toward realizing his dreams.
He used the money to renovate his family home and purchase equipment for a joint business he runs with his sister. He also started his own online buy-and-sell sideline, creating additional income streams. Each upgrade and investment brought him closer to the life he had imagined.
Progressing with Confidence
Today, Jake enjoys the rewards of his hard work and smart financial decisions. Home Credit has allowed him to make purchases he once thought were out of reach, while also giving him the flexibility to create additional income streams and enhance his lifestyle.
In his experience, Jake also discovered a valuable lesson for young Filipinos starting out: you don’t need to have everything figured out to take the first step toward your dreams. What truly matters is having a dependable partner to support you along the way.
His story shows how accessible financial solutions can give young Filipinos the confidence to pursue their goals early, turn small decisions into meaningful progress, and gradually build the life they envision.
Watch Jake’s full story here and see how one responsible decision can lead to bigger opportunities. Discover how Home Credit empowers young Filipinos to move with confidence toward the life they want—one smart step at a time.
To know more about the latest updates, visit its official website, www.homecredit.ph, or get the Home Credit App from Google Play, the App Store, or Huawei AppGallery. You may also follow its official Facebook, Instagram, and TikTok accounts.
Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).
