Guide on Home Credit Cash Loan 2025 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2025 – You can check here the guide on the monthly amortization if you will borrow P20,000 under this customer finance product.
In the Philippines, when it comes to lending, one of the most popular entities is the Home Credit. It is operating in the Philippines for several years now offering different kinds of consumer finance products.
Home Credit Philippines rose to prominence due to the Home Credit Product Loan. It has been the turn-to of countless Filipinos who want to acquire a gadget, appliance, furniture, etc. without paying for it under a one-time full payment. Through the years, the consumer finance product entity has grown its offers.
Aside from the Home Credit Product Loans, the consumer finance product provider also has a Home Credit Cash Loan offer for good-paying clients of product loan. It boasts its loan offers with the following features:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
The Home Credit Cash Loan is a multi-purpose financial solution that qualified clients can apply for to make a personal purchase, travel, boost the business, fund an event, etc. It can finance multiple purposes under a single loan offer.
Just like in other loan offers not only of the Home Credit but as well as the other lending companies, there are qualifications in applying for the loan offer. Here are the eligibility requirements under the loan offer:
- 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
According to Home Credit Philippines, its cash loan offer has huge loanable amounts, fast loan application approval, and flexible terms for repayments. Below, you can check on the details if you will borrow Php 20,000 under the offer.
Before checking it, here’s a guide on the minimum and maximum loanable amounts under the Home Credit offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 20,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 19,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱3,814 per month |
| 9 months | ₱2,688.63 per month |
| 12 months | ₱2,129.81 per month |
| 18 months | ₱1,578.58 per month |
| 24 months | ₱1,310.39 per month |
| 30 months | ₱1,155.20 per month |
| 36 months | ₱1,056.27 per month |
| 45 months | ₱963.70 per month |
| 48 months | ₱942.04 per month |
| 60 months | ₱882.36 per month |
Here is a guide on the IDs that you may present to Home Credit in applying for the loan offer:
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
The Home Credit reserves the right to approve or reject the loan applications. The loan application approval can take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 via the app of the lender.