Home Credit Cash Loan 2026 — Here’s Your Monthly Due If You Borrow P12,000

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 P12,000.00 under this customer finance product.

Filipinos today have plenty of options provided by different entities that they can turn to when it comes to borrowing money. However, still, not everyone can meet the long list of requirements with regards to the offers of the banks. On the other hand, some trusted lenders now offer loans with a much shorter and simpler set of requirements just like the Home Credit Philippines.

In the Philippines, Home Credit is prominent as a consumer finance provider that typically requires only a few documents for the loan applications. Since the consumer finance product provider began its operations in the country in 2013, the company has steadily expanded its offerings and built a strong presence in the finance market.

Among Home Credit’s loan products, the most sought-after by people from different walks of life is the Home Credit Product Loan. This particular offer that has attracted many Filipinos, many of them became loyal clients because of the convenience and the accessibility of the offer.

The Home Credit Product Loan allows customers to finance purchases such as appliances, gadgets, and furniture. In a lot of cases, it is a mobile phone that is financed under the offer. Aside from that, there’s actually more — responsible borrowers who maintain good payment records become eligible for another offer — the Home Credit Cash Loan.

The Home Credit Cash Loan has also provided valuable support to countless Filipinos during times of financial need. It is considered the most flexible among the consumer finance product provider’s loan products as it can be used for a wide range of purposes. You may apply for it to cover travel expenses, make personal purchases, organize events, enroll in courses, and more.

Among its many excellent features, Home Credit highlights the ease and speed of its loan application process. The flexible cash loan offer is available to both salaried and non-salaried individuals, provided they have received an offer from the company.

Who are qualified to apply for the loan offer? Here are the eligibility criteria set by the lending entity:

• 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 Home Credit Cash Loan offers flexible amounts depending on the eligibility of the client. In the Philippines, the loanable range is typically between ₱3,000 up to ₱150,000, with repayment terms that can stretch from 6 months to 60 months. The exact amount offered to each borrower is personalized depending on their credit history and the assessment of the consumer finance product provider.

• Minimum Loanable Amount — Php 3,000.00
• Maximum Loanable Amount — Php 150,000.00

If you want to borrow Php 12,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 11, 500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:

If you wish to apply for the Home Credit Cash Loan offer, you need to prepare 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

Home Credit assesses loan applications and may approve a loan in as fast as one minute. You can apply for the Home Credit Cash Loan offer 2025 through its app.