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 P100,000.00 under this customer finance product.
Nowadays, one of the most popular financing service providers in the Philippines is Home Credit Philippines. It is operating in the country for more than a decade already since 2013. It has multiple loan offers for eligible individuals.
Home Credit or also called HC is undeniably most prominent for the Home Credit Product Loan. Countless Filipinos were able to avail the financing service offer in getting the gadget, appliance, furniture, etc. they want. Under it, an individual does not need to shelve out a huge amount for the purchase of an item.
Through the years, Home Credit continuously grow its offers. The consumer finance product provider has another offer for Product Loan borrowers with good credit standing — the Home Credit Cash Loan. It is a multi-purpose loan offer.
A qualified individual may apply for the Home Credit Cash Loan offer to boost a business capital, make a personal purchase, travel, fund a party, etc. Just like the other loan offers of the consumer finance provider giant, it is also equipped with the following excellent features:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Just like the Home Credit Product Loan offer of the consumer finance product provider, there is a short list of eligibility requirements in applying for the loan offer. Here are the qualifications in applying for the Home Credit Cash 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
The Home Credit Cash Loan offer has an edge from many other multi-purpose loan offers of other financing service providers — it got huge loanable amounts. Below is the range of the borrowing amounts allowed under the HC loan offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 100,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 99,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱19,069.98 per month |
| 9 months | ₱13,443.17 per month |
| 12 months | ₱10,649.04 per month |
| 18 months | ₱7,892.91 per month |
| 24 months | ₱6,551.97 per month |
| 30 months | ₱5,775.99 per month |
| 36 months | ₱5,281.37 per month |
| 45 months | ₱4,818.50 per month |
| 48 months | ₱4,710.18 per month |
| 60 months | ₱4,411.82 per month |
In applying for the loan offer, you only need proofs of identity. You may present at least one (1) primary ID or two (2) secondary IDs. You can check here a guide on the identification documents you may present to apply for the cash 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
Home Credit Philippines has the sole authority in assessing the loan applications. Meanwhile, the loan application approval may take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.