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 P120,000.00 under this customer finance product.
Are you in need of a quite huge cash right now and you just received an offer from Home Credit Philippines? It is most likely the perfect financial solution that you are looking for and you can check its features below.
There are several consumer finance product providers in the Philippines and one of those that stand out and is trusted by countless Filipinos already is the Home Credit. It first began its operation in the country in 2013. It already operates in several countries and territories abroad before it started its operation in the country.
Of all the loan products offered by Home Credit, its Product Loan remains the most sought-after and widely availed offer. In fact, many Filipinos continue to choose Home Credit for this offering
The Home Credit Product Loan offer can be used to finance purchases such as buying appliances, gadgets, and furniture. There is actually another advantage for responsible payers of this loan — you may be offered a solution to your cash needs.
The Home Credit Cash Loan is the most flexible offer of the consumer finance product provider, as it can be used for a wide range of purposes — whether to fund travel, make personal purchases, host events, or enroll in courses.
Furthermore, the provider also highlights its quick and hassle-free process in applying for the offer. It is available to both salaried and non-salaried individuals who have received an offer from Home Credit.
Who are qualified to apply for the loan offer? Here are the qualifications set by Home Credit:
- 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
You might be wondering about the borrowing amounts under the loan. Each offer actually comes with a specific range of loanable amount. Meanwhile, here is the range of how much is generally loanable under the offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 120,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 119,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱22,883.98 per month |
| 9 months | ₱16,131.81 per month |
| 12 months | ₱12,778.84 per month |
| 18 months | ₱9,471.50 per month |
| 24 months | ₱7,862.36 per month |
| 30 months | ₱6,931.19 per month |
| 36 months | ₱6,337.64 per month |
| 45 months | ₱5,782.20 per month |
| 48 months | ₱5,652.22 per month |
| 60 months | ₱5,294.18 per month |
If you wish to proceed to the application for the 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 has the sole authority in assessing all loan applications as well as in the approval. You can apply for the Home Credit Cash Loan offer 2025 through its app.