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 P30,000.00 under this customer finance product.
Nowadays, not only banks but as well as lending companies and consumer finance product providers extend loan offers with maximum flexibility. You may apply for them to expand your business, to make a personal purchase, to travel, to enroll in a course, etc. One of the provides of this kind of loan is Home Credit Philippines.
Home Credit Philippines is operating in the country since 2013 and has already gained the trust of millions of Filipinos nationwide. It was already operating in several other countries and territories abroad when it started its operation in the Philippines.
In its initial years in the country, HC rose to massive fame fast with its Home Credit Product Loan offer. Countless Filipinos were able to achieve their target mobile phone and other gadgets, appliance, and furniture without paying for the full amount in cash under a one-time payment.
Good payers of the Home Credit Product Loan are usually extended with a Home Credit Cash Loan, the multi-purpose offer of the consumer finance product provider.
The Home Credit Cash Loan got excellent features such as the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Furthermore, the cash loan offer also comes with short lists of qualifications and documentary requirements for application. To be eligible to apply for the loan offer, client should meet the following eligibility 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
The loanable amounts under the Home Credit Cash Loan offer actually varies depending on the offer of the consumer finance product provider. Meanwhile, here are the minimum and maximum 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 30,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 29,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱5,720.99 per month |
| 9 months | ₱4,032.95 per month |
| 12 months | ₱3,194.71 per month |
| 18 months | ₱2,367.87 per month |
| 24 months | ₱1,965.59 per month |
| 30 months | ₱1,732.80 per month |
| 36 months | ₱1,584.41 per month |
| 45 months | ₱1,445.55 per month |
| 48 months | ₱1,413.05 per month |
| 60 months | ₱1,323.54 per month |
In applying for the Home Credit Cash Loan offer, you need to present either one (1) primary ID or two (2) secondary IDs. Here is a guide on the IDs that are acceptable to Home Credit PH and how they are categorized by the consumer finance product provider:
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 may approve the loan in as fast as one (1) minute. All loan applications are subject to its evaluation. You may apply for the Home Credit Cash Loan offer through its app.