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 135,000 under this customer finance product.
Home Credit Philippines has become a turn to of many individuals in achieving their desired gadget, appliance, or furniture through a monthly basis. However, what many people don’t know is that it has actually lengthened its list of offers a lot.
Undeniably, the Home Credit Product Loans remains the most popular offer of the product finance company provide giant. Through it, millions of its clients were able to acquire their target gadgets, appliances, and furniture without having to pay for them under a one-time cash payment. For good payers of this loan offer, there is another offer — the Home Credit Cash Loan.
Home Credit Philippines is operating in the Philippines for over a decade now since 2013. Amid its leghthening of its offers, it made sure that each one is equipped with excellent features that include the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
For good payers of the Product Loan offer of Home Credit Philippines, the consumer finance product provider may extend the Home Credit Cash Loan, a multi-purpose cash loan offer that you may apply for to make other personal purchases, travel, get your car repaired, pay for a course enrollment, etc.
Who are qualified to apply for the loan offer? There are only a few eligibility criteria set by the consumer finance product provider:
- 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
Undeniably, whether you need some extra cash now or not, having a Home Credit Cash Loan offer can be a good emergency preparation. How much is loanable under the offer?
The borrowing amounts actually vary. Meanwhile, the consumer finance product provider has provided the range of the loanable amounts under it:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 135,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 134,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱25,744.47 per month |
| 9 months | ₱18,148.28 per month |
| 12 months | ₱14,376.20 per month |
| 18 months | ₱10,655.43 per month |
| 24 months | ₱8,845.16 per month |
| 30 months | ₱7,797.59 per month |
| 36 months | ₱7,129.84 per month |
| 45 months | ₱6,504.97 per month |
| 48 months | ₱6,358.74 per month |
| 60 months | ₱5,955.95 per month |
For the Home Credit Cash Loan application, you only need to present at least one (1) primary ID or two (2) secondary IDs. Here is a guide on the proof of identity 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.