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 P145,000.00 under this customer finance product.
Are you in need of cash right now and you have received a cash loan offer from HC? Maybe now is the best time to know if this offer is the best financial solution that will fit your cash needs. Get to know about this amazing product below.
Home Credit Philippines is not a new financing service provider in the country. It is operating in the country since 2013 and is most popular for its Home Credit Product Loan. Its offer has helped countless Filipinos acquire their target gadget, furniture, and appliance through light monthly installment payments.
Through the Product Loan offer, a client does not have to buy his/her target gadget, furniture, or appliance under a one-time cash payment. There is also another privileged for good payers of the Product Loan offer — you may be extended the Home Credit Cash Loan offer.
The Home Credit Cash Loan offer is a multi-purpose loan that qualified clients may apply for to finance a travel, make a personal purchase, travel, enroll in a course, etc. Like its other loan offers, the consumer finance product provider giant equipped its loan offer with the following features:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Who are qualified to apply for the Home Credit Cash Loan offer? Here are the eligibility requirements set under the loan offer:
- 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
The offer of Home Credit usually bears details about the loanable amounts. Meanwhile, if you wish to know the minimum and maximum borrowing amounts under the offer, here’s a guide on the range:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 145,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 144,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱27,651.47 per month |
| 9 months | ₱19,492.60 per month |
| 12 months | ₱15,441.10 per month |
| 18 months | ₱11,444.72 per month |
| 24 months | ₱9,500.36 per month |
| 30 months | ₱8,375.19 per month |
| 36 months | ₱7,657.98 per month |
| 45 months | ₱6,986.82 per month |
| 48 months | ₱6,829.76 per month |
| 60 months | ₱6,397.13 per month |
Only a proof of identity is required in applying for the cash loan offer. You will need wither one (1) primary ID or two (2) secondary IDs. Here is a guide on the identification documents that you may choose from:
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 evaluates all loan applications. The loan application approval may take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.