Guide on Home Credit Cash Loan 2026 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2026 – You can check here the guide on the monthly amortization if you will borrow P5,000.00 under this customer finance product.
In the Philippines, there are loan-providing entities that came up with products that can produce quick cash loans to the qualified individuals. One of them is Home Credit Philippines which is operating in the country for several years now.
Home Credit Philippines started its operation in the country in 2013. Since it rose in the country, its Home Credit Product Loan remains its most popular offer. Countless Filipinos have availed the said loan offer in the purchase of their gadgets, furniture, home appliances, and many other pieces of stuff.
Under the said loan offer, a client does not have to prepare for the full amount as the consumer finance product provider only asks for downpayment. The balance may be paid in light monthly installments based on your chosen term.
For the clients of the Product Loan offer of Home Credit, there is another perk — good payers may be extended with a Home Credit Cash Loan offer. It is a multi-purpose loan offer that can address multiple needs.
You may apply for the loan offer to make a personal purchase, travel, expand your business, enroll in a course, etc. The giant consumer finance product provider boasts its loan offers with the following superb features:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
There are only a few qualifications in applying for the Home Credit Cash Loan offer. Who are eligible to apply for the loan offer? Here are the qualifications set by the loan provider:
- 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
With regards to the borrowing amounts allowed by Home Credit Philippines, the loanable amounts may vary depending on offer of the loan provider. Meanwhile, here is the range of the loanable amounts under the offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 5,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 4,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱953.50 per month |
| 9 months | ₱672.16 per month |
| 12 months | ₱532.45 per month |
| 18 months | ₱394.65 per month |
| 24 months | ₱327.60 per month |
| 30 months | ₱288.80 per month |
| 36 months | ₱264.07 per month |
| 45 months | ₱240.92 per month |
| 48 months | ₱235.51 per month |
| 60 months | ₱220.59 per month |
Home Credit Philippines only asks for a proof of identity in applying for its cash loan offer. You may present at least one (1) primary ID or two (2) secondary IDs. Here is a guide:
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
All loan applications are subject to the evaluation of Home Credit. The approval of the loan application may take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.