DURATION: January 28, 2026 to December 27, 2026.
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.
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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!
Grand Draw for Loyal Users (Escalating Reward)
- Eligibility: Customers who make 3 consecutive loan repayments through a Palawan Pawnshop branch or PalawanPay and register to the Google Form become eligible for the Grand Draw.
- Customers who avail any Home Credit loan and successfully complete five (5) consecutive repayments qualify for the Grand Draw.
- The streak resets if a repayment is missed or made through another channel, but customers can restart their streak.
- Grand Raffle Draw: December 29, 2026 for all eligible customers during the promo period.
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Grand Prize:
- Winner receives PalawanPay credits worth up to ₱200,000. The exact amount of credits will equal the winner’s current outstanding Home Credit loan balance (capped at ₱200,000).
- On top of that, Home Credit will fully waive up to ₱200,000 of the winner’s existing loan (the waived amount will be whatever is still owed, up to the ₱200,000 limit).
3. For a customer to join the promo they must register at (https://forms.gle/NgGNcv7dDJF3DAfJA) Details to be provided by the customers (complete name, address, contact number and email address) * Customers may contact Customer Care if they wish to opt out of the promo.
4. The winners will be notified via registered mail, email, call, and SMS from our Customer Care Number: +63919-058-0588 within 5 days upon posting of winners.
5. Winner will be drawn via randomizer
6. Prize, number of winners, and schedule of e-raffle draw as follows:
| Month | Prize | Amount | Winner | Prize | Amount | Winner | TTL Prizes | Txn Date | |
|---|---|---|---|---|---|---|---|---|---|
| Start | End | ||||||||
| Loan Repayment Raffle (Ongoing Reward) | |||||||||
| January | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Jan | 27-Feb |
| February | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Feb | 27-Mar |
| March | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Mar | 27-Apr |
| April | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Apr | 27-May |
| May | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-May | 27-Jun |
| June | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Jun | 27-Jul |
| July | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Jul | 27-Aug |
| August | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Aug | 27-Sep |
| September | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Sep | 27-Oct |
| October | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Oct | 27-Nov |
| November | PalawanPay Credits | 2,500 | 5 | Home Credit loan account fee waiver | 2,500 | 5 | 25,000.00 | 28-Nov | 27-Dec |
| Jan- Dec | Grand Prize for Loyal Users (Escalating Reward) | ||||||||
| PalawanPay Credits | up to 200,000 | 1 | Home Credit loan account fee waiver | up to 200,000 | 1 | 400,000.00 | 28-Jan | 27-Dec | |
7. Witnessed with a DTI Representative, the e-raffle draw & announcement of winners will be held on the following dates:
| Txn Date | Deadline of Registration for Raffle | Draw | Validation of winner | Announcement | Crediting | |
|---|---|---|---|---|---|---|
| Start | End | |||||
| 28-Jan | 27-Feb | 28-Feb | 3-Mar | 5-Mar | 7-Mar | 10-Mar |
| 28-Feb | 27-Mar | 28-Mar | 4-Apr | 7-Apr | 8-Apr | 10-Apr |
| 28-Mar | 27-Apr | 28-Apr | 30-Apr | 5-May | 7-May | 11-May |
| 28-Apr | 27-May | 28-May | 1-Jun | 3-Jun | 5-Jun | 9-Jun |
| 28-May | 27-Jun | 28-Jun | 30-Jun | 2-Jul | 6-Jul | 8-Jul |
| 28-Jun | 27-Jul | 28-Jul | 31-Jul | 4-Aug | 6-Aug | 8-Aug |
| 28-Jul | 27-Aug | 28-Aug | 4-Sep | 8-Sep | 10-Sep | 12-Sep |
| 28-Aug | 27-Sep | 28-Sep | 2-Oct | 6-Oct | 8-Oct | 12-Oct |
| 28-Sep | 27-Oct | 28-Oct | 4-Nov | 6-Nov | 9-Nov | 10-Nov |
| 28-Oct | 27-Nov | 28-Nov | 3-Dec | 7-Dec | 9-Dec | 10-Dec |
| 28-Nov | 27-Dec | 28-Dec | 29-Dec | 29-Dec | 4-Jan | 6-Jan |
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:
- 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.
- 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.
- 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.
- 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.
- The promo offers and prizes are not transferable. Claiming a prize through an authorized representative is not applicable.
- 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.
- 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.