Many young Filipinos want to live independently and improve their lifestyle, but daily expenses such as rent and bills often slow progress toward bigger goals.
For Jake Apayat, 26, a private employee and freelancer from Bacolod, responsible borrowing helped him take his first step toward financial independence. At 21, Jake wanted to buy an iPhone 11 but could not afford to pay in cash while covering his monthly expenses. He turned to Home Credit Philippines for a product loan with flexible payment terms.
Despite initial worries about monthly payments, Jake paid on time and built a good credit record. This discipline later allowed him to access cash loan offers through the Home Credit App, which he used to renovate his family home, invest in a small business with his sister, and start an online buy-and-sell sideline.
Today, Jake has multiple income streams and greater financial confidence. His experience shows that young Filipinos do not need to be wealthy to start building financial independence. With responsible decisions and the right financial support, small steps can lead to long-term progress and a more secure future.
