Guide on Home Credit Cash Loan 2025 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2025 – You can check here the guide on the monthly amortization if you will borrow P115,000.00 under this customer finance product.
In the Philippines, aside from banks and lending companies with physical offices, there are already some trusted loan providers that extend loans to people online. Are you in need of some extra cash?
Considering the popularity of Home Credit Philippines, you might have already come across or even just heard about its Home Credit Cash Loan offer. It may be the perfect financial solution that you are looking for. This offer is packed with excellent features but it would best to first get a quick overview of the lender below.
Home Credit Philippines started operating in the country in 2013. Before its started its operation in the country, it already provides financial products in several other nations abroad. In PH, the reputable lender rose to popularity fast through the Home Credit Product Loan. Meanwhile, for good payers of the said loan offer, it may extend another excellent offer — the Home Credit Cash Loan.
The Home Credit Cash Loan offer is offered to Product Loan clients of the HC with good credit standing. Thus, it is important to pay for your monthly amortization on time. It will give you the chance to get an offer if you still does not have it.
Who are qualified to apply for the cash loan offer? Before checking on the qualifications, it may be a good step to know which excellent features wrap the cash loan offer that has already helped countless Filipinos in their financial needs:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Loan applications usually come with both — eligibility criteria and documentary requirements. In the case of the Home Credit Cash Loan, there are short lists under both. To qualify for the loan offer, here are the eligibility requirements that you should meet:
- a Filipino citizen
- at least 18 years old at the time of the loan application
- not more than 68 years upon the loan maturity
- with good credit records
- has received a Home Credit Cash Loan offer
Home Credit has a wide range of loanable amounts under its offer. Here is a guide on the minimum and maximum borrowing amounts under the offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 115,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 114,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱21,930.48 per month |
| 9 months | ₱15,459.65 per month |
| 12 months | ₱12,246.39 per month |
| 18 months | ₱9,076.85 per month |
| 24 months | ₱7,534.77 per month |
| 30 months | ₱6,642.39 per month |
| 36 months | ₱6,073.57 per month |
| 45 months | ₱5,541.27 per month |
| 48 months | ₱5,416.71 per month |
| 60 months | ₱5,073.59 per month |
To apply for the loan offer, you will have to present at leas one (1) primary ID or two (2) secondary IDs. Here is a guide on the identification documents that you may present:
Primary IDs: (at least one ID):
- Philippine Identification Card
- Unified Multi-Purpose ID (UMID)
- Driver’s License
- Postal ID (New)
- Voter’s ID
- Professional Regulation (PRC) ID – Secondary ID with Address Required
Secondary IDs (present two IDs):
- Postal ID (Old)
- NBI Clearance
- Barangay Certificate
- Phone Bill
- Water Bill
- Electricity Bill
- Mobile/Internet/Cable Bill
Home Credit Philippines reviews all the loan applications. The loan application can be approved in as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.