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 P120,000.00 under this customer finance product.
Looking for financial solutions nowadays is no longer as challenging as it was before. In fact, there are already situations when financial offers are the ones that come to qualified individuals and not the other way around. Are you familiar with the offers of Home Credit Philippines?
The Home Credit Philippines is one of the biggest consumer finance product providers in the country. It rose to immense popularity through the Home Credit Product Loan which has helped countless Filipinos achieve their target product.
Under the Product Loan offer of Home Credit, a qualified individual may bring home his/her target mobile phone or another gadget, appliance, furniture, etc. without having to pay for it under a one-time full cash payment. You just have to prepare for the downpayment. Good clients may also qualify for the Home Credit Cash Loan offer.
The cash loan is usually extended by HC to good-paying clients of the consumer finance product provider. Thus, there is really an edge in paying for your monthly amortization on or before the due date. It can open you to more offers from HC.
A qualified client may apply for the Home Credit Cash Loan offer for the purpose of financing a personal purchase, a travel, a business expansion, etc. Here are the features that surround the cash loan offer as well as the other offers of the consumer finance provider giant:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Who are qualified to apply for the Home Credit Cash Loan offer? There is a short list of eligibility requirements that a client must comply with to qualify for the loan offer. Here are the eligibility requirements for application:
- 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 cash loan offer of HC is packed with a wide range of loanable amounts. Here is the range of the amounts allowed for borrowing:
- 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 |
Proof of identity is required in applying for the cash loan offer. You need to prepare at least one (1) primary ID or two secondary IDs in applying for the offer. Here’s 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 Philippines reviews all the loan applications. The loan application can be approved in as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.