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 P45,000.00 under this customer finance product.
Did you receive an offer from Home Credit Philippines for a financial solution but you don’t really know much about its details? There is no need to fret. In here, we will discuss all the things that you should know about the offer.
Recalling the history of Home Credit Philippines in the country, it was in 2013 when the consumer finance product provider first operated in the country. It has grown to become a very popular financing service-provider. It undeniably rose to massive popularity through its Home Credit Product Loan that can finance the purchase of gadgets, appliance, furniture, etc. Millions of people has availed it and it can be a step to another financial solution.
Good payers of the Home Credit Product Loan may be offered by the consumer finance product provider with the Home Credit Cash Loan. It is a multi-purpose loan offer that can finance several purposes under a single loan. Ditch multiple interests in achieving several goals!
Including its cash loan offer, the financial products offered by Home Credit Philippines is packed with excellent features. The consumer finance product provider giant boasts its offers with the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
However, it is important to note that an offer from HC is not the only eligibility requirement to qualify for the offer. Meanwhile, there is a short list of eligibility criteria. The borrower-applicant must meet the following qualifications 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
How much is loanable under the Home Credit Cash Loan offer? The borrowing amount really varies depending on the offer. Meanwhile, the consumer finance product provider has set a fixed range on the minimum and maximum loanable amounts under the offer which are as follows:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 45,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 44,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱8,581.49 per month |
| 9 months | ₱6,049.43 per month |
| 12 months | ₱4,792.07 per month |
| 18 months | ₱3,551.81 per month |
| 24 months | ₱2,948.39 per month |
| 30 months | ₱2,599.20 per month |
| 36 months | ₱2,376.61 per month |
| 45 months | ₱2,168.32 per month |
| 48 months | ₱2,119.58 per month |
| 60 months | ₱1,985.32 per month |
In applying for the loan offer, you will need to prepare proof of identity. You will need either 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
The loan applications to Home Credit are all subject to evaluation. Meanwhile, the loan approval may take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.