Have you ever found yourself rushing to make your HomChoice payment at the last minute? We’ve all been there! As a loyal HomChoice customer for years, I’ve tried every possible way to pay my bills – some more successful than others . In this guide, I’ll share everything I know about making your HomChoice bill payments quick easy and stress-free.
Why HomChoice Bill Pay Matters
Let’s be honest – nobody loves paying bills. But when you’re financing furniture, appliances, electronics, or other items through HomChoice, staying on top of your payments is super important. Here’s why:
- Helps build your credit history with on-time payments
- Avoids late fees that can add up quickly
- Keeps your account in good standing
- Maintains service coverage on electronics and appliances
- Lets you take advantage of special financing like 3-6 months same as cash
When I first started shopping at HomChoice I was thrilled about taking home that beautiful Ashley sectional sofa but less excited about remembering to make weekly payments. That’s why finding the right payment method is so crucial!
Online HomChoice Bill Pay: The Most Convenient Option
The easiest way to pay your HomChoice bill is through their online payment portal. I do this from my couch while binge-watching shows on my HomChoice-financed Samsung TV!
How to Access Your Online Payment Account
- Visit the HomChoice online payment portal at https://ginhc.com/users/loginScreen/hc
- Click “Sign in” if you already have an account
- Enter your login credentials
- Access your account details and make a payment
If you haven’t registered yet, you’ll need to:
- Click the “Register” button
- Have your Account ID ready (this is essential!)
- Follow the prompts to create your online payments account
Can’t remember your password? No worries! Just click “Reset Password” and follow the instructions.
What If You Don’t Have Your Account ID?
This happened to me once and I panicked! But it’s actually easy to resolve. You can:
- Contact your local HomChoice store directly
- Call the Customer Service Center at (800) 422-8186
The representatives are usually super helpful – when I called, they verified my identity and gave me my Account ID right away.
Setting Up Automatic Payments
This has been a GAME CHANGER for me! After missing two payments (and feeling so embarrassed), I switched to automatic payments and haven’t looked back.
Once you’ve logged into your online account, look for an option to set up recurring payments. You can typically choose:
- Weekly payments (starting at $17.81 per week for appliances)
- Bi-weekly payments
- Monthly payments
Pro tip: Schedule your automatic payments to align with your paycheck schedule! This helps ensure you always have sufficient funds available.
Alternative Ways to Pay Your HomChoice Bill
Not everyone loves paying bills online. HomChoice understands this and offers several other payment methods:
In-Store Payments
Sometimes I just prefer the personal touch of going into the store. Plus, it gives me a chance to browse the new arrivals (dangerous for my wallet, lol). To pay in-store:
- Visit your local HomChoice store during business hours
- Bring your account information or ID
- Make your payment with the store associate
Phone Payments
If you can’t make it to a store but don’t want to use the online portal, you can always call the HomChoice Customer Service Center at (800) 422-8186 to make a payment over the phone. You’ll need:
- Your Account ID
- A credit card, debit card, or checking account information
Mail-In Payments
Although this isn’t my preferred method (I always worry about mail delays!), you can send payment by mail. Be sure to:
- Include your Account ID on your check or money order
- Mail it several days before the due date to ensure it arrives on time
- Keep a record of your payment
Understanding Your HomChoice Payment Options
HomChoice offers flexible payment options to fit different budgets and needs. Their website mentions several payment structures:
Weekly Payments
This is what many customers choose. Current examples from their website include:
- Furniture: $33.68 per week for an Ashley 3-Piece Sectional
- Appliances: $17.81 per week for an Amana Top Load Washer
- Computers: $20.78 per week for an HP Touchscreen Laptop
- Electronics: $21.45 per week for a Samsung 75″ Smart TV
- Jewelry: $20.45 per week for a diamond necklace
Same As Cash Options
This is my absolute FAVORITE option when available! HomChoice offers:
- 3 Months Same As Cash for purchases between $250 and $1,249.99
- 6 Months Same As Cash for purchases between $1,250 and $1,749.99
With these options, if you pay off the full amount within the specified period, you won’t pay any interest! Just remember you still need to make your regular payments during this period.
Important note: These same-as-cash periods are strictly defined as 93 days (3 months) or 184 days (6 months) from the contract start date.
Tips for Managing Your HomChoice Payments
Over the years, I’ve picked up a few tricks that have helped me stay on top of my HomChoice payments:
Set Payment Reminders
If you don’t opt for automatic payments, set up calendar reminders a few days before your payment is due. This gives you plenty of time to make the payment.
Budget Appropriately
Before financing that gorgeous sectional sofa, make sure the weekly payment ($33.68 according to their current pricing) fits comfortably within your budget.
Take Advantage of Same As Cash
If you qualify for the 3 or 6 Months Same As Cash option, try to pay off your purchase within that timeframe. I saved literally hundreds of dollars on my living room set this way!
Check Your Account Regularly
Even with automatic payments, I recommend logging into your account regularly to verify payments are processing correctly and to stay aware of your remaining balance.
What Happens If You Miss a Payment?
We’re all human, and sometimes payments get missed. If this happens:
- Log in to your account or call customer service ASAP
- Make the missed payment as soon as possible
- Check if any late fees were applied
- Consider setting up automatic payments to prevent future issues
Remember that consistent on-time payments help build your credit history, as HomChoice mentions on their website.
Special Considerations for HomChoice Bill Pay
Building Credit History
HomChoice mentions that on-time payments can help build your credit history. This was actually a big selling point for me when I first started shopping with them.
Minimum Purchase Requirements
There is a $250 minimum purchase required for financing, according to the website.
Processing Fees
Applications for financing require a $25 processing fee, which won’t be applied to the principal or Same As Cash amount.
Current Promotions That May Affect Your Bill
The HomChoice website mentions a promotion running from 10/19/25 to 11/29/25 for new merchandise. These promotions might affect your payment amounts, so it’s worth checking if you qualify.
They also advertise “Save big with 3-6 months same as cash” prominently on their site. If you’re planning a major purchase, this could be a good opportunity to take advantage of these terms!
Contacting HomChoice About Billing Questions
If you have questions about your bill that aren’t answered here, HomChoice offers several ways to get help:
- Customer Service: (800) 422-8186
- Visit your local store (use the “Find My Store” link on their website)
- Contact form on their website
My Personal Experience with HomChoice Bill Pay
When I first financed my bedroom set through HomChoice, I was a bit overwhelmed by the payment options. I started with weekly payments but often forgot to make them on time (my bad!). After switching to automatic bi-weekly payments that aligned with my paycheck, everything became so much easier!
For my latest purchase—that amazing Samsung 75″ TV at $21.45 per week—I took advantage of the 3 Months Same As Cash option and managed to pay it off just in time. The online payment portal made this super convenient, letting me make extra payments whenever I had some spare cash.
Keeping up with your HomChoice bill payments doesn’t have to be stressful. With options like online payments, automatic billing, and flexible payment schedules, you can find a system that works for your lifestyle and budget.
Remember these key points:
- Register for online access at ginhc.com to make payments anytime
- Consider automatic payments to avoid missed due dates
- Take advantage of Same As Cash options when possible
- Contact customer service at (800) 422-8186 if you need assistance
By staying on top of your payments, you’ll build your credit history while enjoying your quality HomChoice purchases without the stress of overdue bills.
How do I find out about specifications and prices on the product(s) I’m interested in buying?
Call your local Home Choice with questions on pricing and availability in your area. To find the locations nearest you, go to the Store Locator and enter your zip code.
Can I make a payment online?
Home Choice offers customers three ways to pay.
Pay online via your MyAccount login. You’ll need your agreement number to make payments online. This can be found on your installment sale agreemnent or provided by your local store.
Click here to find your store and make a payment in person.
Call your local store to pay by phone with Visa, Mastercard, AMEX or Discover. $1.99 convenience fee may apply.
How to: Set Up Online Bill Pay
FAQ
How do I pay with Homechoice?
Take your homechoice statement with you to the bank and ask them to add homechoice as a recipient. When paying always use your account number as reference, so we know the payment is from you. Outside SA? Pay at selected ATMs in Lesotho and Swaziland, FNB ATMs in Namibia or selected FNB and Barclays Bank ATMs in Botswana.
How can I make a payment for Home Choice at home?
Home Choice customers are able to make payments by phone. To find the phone number for your local Home Choice, call with questions on pricing and availability in your area. Alternatively, you can use the Store Locator on the website to find the nearest location and make the payment in person.
Where can I pay my Homechoice payment in Namibia?
You can pay at Shoprite, Checkers or Checkers Hyper in Namibia. You can also pay at the counter at FNB, ABSA or Standard Bank. How? homechoice is already a pre-approved recipient. Just give the bank teller your homechoice account number to use as reference, so we know the payment is from you.
How do I get my Homechoice credit card statement?
When you make your payment, use your homechoice account number as reference. When shopping on credit, you can choose to receive your statement via SMS or email. Simply click the link in the SMS or email to see your statement. Have a question?
Where can I pay Homechoice in South Africa?
homechoice is already a pre-approved recipient. Just give the bank teller your homechoice account number to use as reference, so we know the payment is from you. Outside SA? Pay at FNB in Namibia and FNB or Barclays Bank in Botswana. You can also pay at the counter at FNB, ABSA or Standard Bank in Lesotho and Swaziland. How?
How do I add Homechoice as a recipient?
Add homechoice as a recipient (or beneficiary) and pay with your bank card at selected bank ATMs. How? Take your homechoice statement with you to the bank and ask them to add homechoice as a recipient. When paying always use your account number as reference, so we know the payment is from you. Outside SA?
What is the phone number for home choice pay online?
You can manage your account and make payments online. You may also make payments by phone by calling your local store or our customer service team at 1-877-45-CHOICE. Curbside payments are available to those who need to make their payment in person – just call your local store when you arrive.
Does Home Choice build credit?
We make the payment process as easy as possible by offering three choices: layaway, 90 days same as cash, or financing, which can help to build your credit when you make regular, on-time payments.
How to check balance on homechoice account?
- Dialing *120*466324#*120*466324# from your cellphone. …
- Visiting homechoice.co.za and logging into your account.
- Contacting our call centre on 0861 466 3240861 466 324 (South Africa) or +27 21 680 1300+27 21 680 1300 (Outside South Africa)
- Checking your monthly statement.
How long does a homechoice payment take to reflect?
I made a payment on my account, why is it not reflecting? Payments may take up to 48 hours to reflect on your account. If your payment is still not reflecting after 48 hours, please email your proof of payment, account number and payment reference number to [email protected] or fax us on 021 680 8268/8161.
