Guide on Home Credit Cash Loan 2025 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2025 – Here is a guide on the monthly amortization if you will borrow Php 105,000 under this customer finance product.
Truth be told that even the individuals who have savings in their bank accounts would also sometimes bump into a need for more financial access. Meanwhile, nowadays, not only banks but as well as trusted financing institutions are ready to provide cash loans for eligible individuals.
In the Philippines, Home Credit is not only known now for the Home Credit Product Loans but as well as the Home Credit Cash Loan that is extended to good payers of the consumer finance product provider’s product financing service.
Home Credit Philippines is operating in the country for more than a decade now since 2013. Through the years, it continuously grew its offers. While its product loan offer can finance the purchase of gadgets, furniture, and appliance, the cash loan offer is multi-purpose.
The offers of Home Credit is packed with excellent features. The consumer finance product provider boasts the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
As the Home Credit Cash Loan is only extended to finance product clients with good credit standing, there is really an edge in paying on time or ahead your due date. Whether you need a cash loan offer for now or not, having an offer is like an emergency preparation already.
There are only a few qualifications to be eligible to apply for the cash loan offer. Here are the eligibility criteria:
- 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? While the borrowing amounts really depend on the offer of the consumer finance product provider, it has set a range of the loanable amounts:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 105,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 104,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱20,023.48 per month |
| 9 months | ₱14,115.33 per month |
| 12 months | ₱11,181.49 per month |
| 18 months | ₱8,287.56 per month |
| 24 months | ₱6,879.57 per month |
| 30 months | ₱6,064.79 per month |
| 36 months | ₱5,545.43 per month |
| 45 months | ₱5,059.42 per month |
| 48 months | ₱4,945.69 per month |
| 60 months | ₱4,632.41 per month |
For the Home Credit Cash Loan application, there are very few requirements for application. You only need to present at least one (1) primary ID or two (2) secondary IDs. Here are the IDs that you may choose from:
Primary IDs:
- 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:
- Postal ID (Old)
- NBI Clearance
- Barangay Certificate
- Phone Bill
- Water Bill
- Electricity Bill
- Mobile/Internet/Cable Bill
Home Credit evaluates all loan applications. The 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.