Home Credit Logo PNG
A first loan for a phone or home appliance is often arranged in a store. The Home Credit logo represents a brand that works with shoppers through retail partners, including first-time credit applicants. The purchase gives borrowers a reason to review their repayment schedule and understand their obligations.
Home Credit grew out of PPF, the investment fund Petr Kellner founded in 1991 during Czechoslovakia’s shift to a market economy. PPF used voucher privatization to build one of the country’s largest private investment groups, then moved into consumer finance as Eastern Europe opened to retail credit.
In 1997, PPF launched Home Credit a.s. in the Czech Republic with 33 employees. The company introduced point-of-sale loans in shops, mainly for electronics and household goods. Customers could apply at the counter and receive an answer within minutes, without visiting a bank or finding guarantors. In 1999, the model expanded to Slovakia.
In 2002, Home Credit entered Russia, where retail lending was still limited, and banks rarely served borrowers without collateral. By 2007, it had become Russia’s second-largest consumer lender after Sberbank. During the same period, the company expanded into Kazakhstan, Ukraine, and Belarus, while PPF later built Air Bank in the Czech Republic.
From 2007, Home Credit shifted toward Asia, entering China and receiving a full consumer finance license in 2010, the first time a foreign company was granted that segment. It later expanded to India in 2012 and to Indonesia and the Philippines in 2013, and to Vietnam and the United States in 2014-2015, the latter through a Sprint smartphone-financing partnership. By 2019, its total customer base exceeded 130 million. That year, PPF prepared a Hong Kong IPO, but valuation talks failed. In 2021, Kellner died in a helicopter crash in Alaska, and PPF Group passed under family control led by Jiří Šmejc.
Meaning and History
What is Home Credit?
This consumer finance company operates in many European and Asian countries. The company specializes in providing easily accessible financial services to individuals, such as low-income groups and first-time borrowers, who lack access to traditional banks. The brand’s main offerings are point-of-sale loans, cash loans, credit cards, and revolving credit lines. The company has established itself in developing countries, often partnering with merchants to offer instant financing for consumer goods. Using a data-driven methodology to assess credit risk, the company can serve customers that traditional banks would reject.
1997 – 2009
Home Credit’s first logo used a refrigerator to illustrate the company’s purpose. Founded in 1997 in Hustopeče, a Czech town near Brno, the company initially financed household purchases, primarily major appliances. Its English name reflected that focus, pairing “Home” with “Credit.” A white refrigerator against a red background conveyed the idea that financing made appliances affordable.
The design featured a red rectangle with a white border inset from the edges. In the lower-left corner, HOME appeared above CREDIT in two lines of white uppercase sans-serif lettering. An angular refrigerator illustration stood to the right. A broad white front and a narrow red side outlined in white gave it a sense of perspective.
The refrigerator was rendered as a simplified shape that emphasized volume. The bottom border connected to its base, joining the illustration to the frame surrounding the design.
2009 – 2017
The next Home Credit logo changed the proportions of the name and refrigerator while keeping their positions on the red background. The text remained on the left and the emblem on the right. The two-line wordmark became larger and heavier, with thicker strokes, while the refrigerator’s silhouette grew taller. The background shifted to a warmer shade of red.
The border changed as well. The enclosed frame was replaced by a white horizontal line beneath the words that extended into the refrigerator’s base. It connected the two elements along the bottom, leaving open space above the lettering and illustration.
2017 – today
As Home Credit expanded its services, it needed to update its emblem. The refrigerator associated the brand with a specific category of purchases. At the same time, the company now offered various forms of consumer financing. Announced on October 24, 2016, the redesign aimed to convey friendliness, clarity, and fair treatment of customers. The new logo debuted in the Czech Republic and Slovakia on November 1 of that year, with the international rollout continuing in 2017.
Czech studio Dynamo Design built the project around friendship. The team arrived at this concept after studying Home Credit’s position in different countries. The original brief called for services that were easy, quick, and safe to use. The designers added friendliness to those requirements. Libor Jelínek co-created the project as creative director and designer. The team also credits Jan Šlégr, Martin Poláček, and the Dynamo Design team in the project materials.
A smile inside the “O” in HOME expressed that friendliness. The letter is larger than the surrounding letters. Its rounded outer contour extends above the other letters and breaks at the bottom. Inside is a small semicircle with a flat horizontal top and a curved lower edge. The smile is the only feature of the stylized face. Home Credit associated the image with a personal approach, transparency, and responsible lending. Dynamo wanted the symbol to be understood across countries, so it kept the smiling “O” in every international version of the identity, including those with lettering in local languages.
Red and white remained the brand colors but switched roles. The name became red against a white background. The rectangular backdrop, refrigerator, border, and bottom line were removed. The new wordmark used heavy uppercase sans-serif letters with uniform strokes and geometric shapes. Two arrangements were developed. In the stacked version, HOME sits above CREDIT, with both lines aligned to the left. In the horizontal version, the words appear on a single line. The smiling “O” could also appear on its own on bank cards and in mobile apps, where space for the full name was limited.
Funky Business developed the Russian version of the visual identity using the completed international logo. Published in 2017, the project included a design system and guidelines for applying it across different materials and formats. Ilya Tumaykin served as art director, with design work by Albina Khasanyanova, Natalia Simonova, and Sergey Ryadovoy. The team adapted the updated identity for the bank’s Russian operations.