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 P125,000.00 under this customer finance product.
Nowadays, the Filipinos undeniably have a lot of options in times of financial needs. There are trusted loan-providing entities that the people can turn to and one of them is Home Credit Philippines.
With the popularity of Home Credit Philippines now, you might have surely encountered their offers already most especially the Home Credit Product Loan, its most popular offer. Under it, you may obtain a financing of the purchase of your gadget, appliance, and furniture. However, what some people don’t know is that there’s another offer tied to the product loan.
Home Credit Product Loan clients with good credit standing such as those who usually pay for their monthly amortization on time or ahead of the due date may be offered the Home Credit Cash Loan. It is a multi-purpose cash loan offer.
You may apply for the cash loan to get your car repaired, make a personal purchase, travel abroad, host an event, etc. Below, you can check more details about the offer.
The offers of Home Credit Philippines are equipped with excellent features. It boasts its Home Credit Cash Loan offer with the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
In applying for the loan offer, there are a few qualifications that Home Credit Philippines consider. To be eligible to apply for the loan, the loan applicant should meet the following qualifying 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
The offers of Home Credit may vary with regards to the loanable amounts. Meanwhile, here is the range of the borrowing amounts under this multi-purpose cash loan offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 125,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 124,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱23,837.48 per month |
| 9 months | ₱16,803.96 per month |
| 12 months | ₱13,311.29 per month |
| 18 months | ₱9,866.14 per month |
| 24 months | ₱8,189.96 per month |
| 30 months | ₱7,219.99 per month |
| 36 months | ₱6,601.71 per month |
| 45 months | ₱6,023.12 per month |
| 48 months | ₱5,887.73 per month |
| 60 months | ₱5,514.77 per month |
With regards to the documentary requirements for application, you only need proof of identity. You may present at least one (1) primary identification document or two (2) secondary IDs. 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 reserves all the right to scrutinize 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.