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 P75,000.00 under this customer finance product.
In the Philippines, many people have experiences of not only borrowing from banks but as well as from trusted consumer finance product providers like the Home Credit. Truth be told that the short list of requirements from the latter really makes their offers more accessible to a wider range of people.
Home Credit Philippines is serving countless Filipinos for several decades now since 2013. It started its operation with its most popular and highly-availed offer, the Home Credit Product Loan. In fact, it is through it that you can access the Home Credit Cash Loan.
The Home Credit Product Loan finances the purchase of a gadget, an appliance, or a furniture. Under it, a client does not have to face a one-time full cash payment for the purchase. Instead, you just have to prepare for the downpayment and pay for the balance in monthly installments. Good payers are usually offered the Home Credit Cash Loan.
The Home Credit Cash Loan is a multi-purpose cash loan offer that can attend to several loan purposes — you can even accomplish multiple purposes under a single loan as the finance product comes with a huge maximum loanable amount.
Before checking on the borrowing amounts under the cash loan offer, it is best to first check on the qualifications under it. To be eligible to apply for the loan offer, an applicant should meet the following qualifying criteria:
- 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 loanable amounts under the loan offer, the consumer finance product provider makes varying offers to their qualified clients. Meanwhile, here are the 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 75,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 74,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱14,302.49 per month |
| 9 months | ₱10,082.38 per month |
| 12 months | ₱7,986.78 per month |
| 18 months | ₱5,919.69 per month |
| 24 months | ₱4,913.98 per month |
| 30 months | ₱4,331.99 per month |
| 36 months | ₱3,961.02 per month |
| 45 months | ₱3,613.87 per month |
| 48 months | ₱3,532.64 per month |
| 60 months | ₱3,308.86 per month |
To apply for the Home Credit Cash Loan offer, you need to 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 Home Credit Philippines’ evaluation. The result can come as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.