Guide on Home Credit Cash Loan 2026 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2026 – You can check here the guide on the monthly amortization if you will borrow P100,000.00 under this customer finance product.
In the Philippines, the Home Credit is one of the trusted entities that you may turn to if you are in need of cash and has received an offer. This giant consumer finance product provider has helped countless Filipinos in different situations.
Home Credit Philippines is operating in the country since 2013. Before it started its operation in the country, it is already operating in several other countries and territories abroad. It is most popular for its Product Loan offer.
The Home Credit Product Loan has helped countless Filipinos achieve their target mobile phone and other gadgets, appliances, or furniture without paying for it in full under a one-time cash payment. You do it in light monthly installments. Good payers usually have another treat – the Home Credit Cash Loan offer.
The Home Credit Cash Loan offer is a multi-purpose cash loan offer that you may apply for to meet multiple financial needs under a single loan offer. You may apply for it to fund a personal purchase, to travel, to host an event, to grow your business further, etc.
Home Credit equipped its loan offer with loan interest and monthly rates, flexible options in repayment, and fast and easy process for application. It is open for individuals who 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 loanable amounts under the Home Credit Cash Loan offer may vary depending on the offer of the giant consumer finance product provider. Meanwhile, here are the minimum and maximum loanable amounts under the offer:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 100,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 99,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱572.10 per month |
| 9 months | ₱403.30 per month |
| 12 months | ₱319.47 per month |
| 18 months | ₱236.79 per month |
| 24 months | ₱196.56 per month |
| 30 months | ₱173.28 per month |
| 36 months | ₱158.44 per month |
| 45 months | ₱144.55 per month |
| 48 months | ₱141.31 per month |
| 60 months | ₱132.35 per month |
You need to prepare at least one (1) primary ID or two (2) secondary IDs in applying for the Home Credit Cash Loan offer. 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
All loan applications are under the evaluation of Home Credit Philippines. The loan application approval may be as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.