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 P130,000.00 under this customer finance product.
Home Credit Philippines is undeniably one of the most popular entities in the country now when it comes to loans. It has helped countless Filipinos obtain their target mobile phone and other gadgets, appliances, and furniture without having to pay for them under a one-time full, cash payment.
Home Credit PH started its operation in the country in 2013. Prior to its services in the Philippines, it already operates in several countries and territories abroad. Through the years, the consumer finance product provider giant has widely expanded its offers.
Aside from the Home Credit Product Loan through which the Home Credit PH provides a financing service for the purchase of gadgets, appliance, and furniture among others, it also has the Home Credit Cash Loan offer. It is usually extended to good payers of the Product Loan.
As its name suggests, the Home Credit Cash Loan is a multi-purpose loan that you may apply for to make a personal purchase, travel abroad, get your car repaired, expand your business, etc. — as long as you have the offer and qualify for the loan.
Like its other loan offers, the consumer finance product provider giant boasts its cash loan offer with low interest and monthly rates, flexible payment options, and fast and east application process
To qualify for the Home Credit Cash Loan offer, here are the eligibility criteria that the loan applicant should meet:
- 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
With regards to the loanable amounts, the consumer finance product provider has set a minimum and maximum loanable amounts. However, the actual maximum borrowing amount depends on the offer. Meanwhile, here’s a guide:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 130,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 129,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱24,790.97 per month |
| 9 months | ₱17,476.12 per month |
| 12 months | ₱13,843.75 per month |
| 18 months | ₱10,260.79 per month |
| 24 months | ₱8,517.56 per month |
| 30 months | ₱7,508.79 per month |
| 36 months | ₱6,865.78 per month |
| 45 months | ₱6,264.05 per month |
| 48 months | ₱6,123.24 per month |
| 60 months | ₱5,735.36 per month |
In applying for the loan, you need to present at leas one (1) primary ID or two (2) secondary IDs. Here is a guide on the identification documents that you may present:
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.