Guide on Home Credit Cash Loan 2026 Loanable Amounts & Monthly Amortization
HOME CREDIT CASH LOAN 2026 – Here is a guide on the monthly amortization if you will borrow Php 50,000 under this customer finance product.
Truth be told that no matter how we save money, there are really instances when we will be needing additional cash resources either to deal with an emergency or to push through with a project. This is where an eligibility for a cash loan offer that provides quick funds enters.
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.
In the Philippines, one of the consumer finance product provider giants with a cash loan offer is the Home Credit Philippines. The loan provider is operating in the country since 2013 and has already gained the trust of countless Filipinos.
In fact, many Filipinos were able to acquire their target gadgets, appliance, and furniture in a smooth way through the Home Credit Product Loan offer. It is the most popular offer of the consumer finance provider giant.
Home Credit Philippines has equipped its loan offers with excellent features. It made sure that its loan offers come with the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Good payers of the Home Credit Product Loan may be offered the Home Credit Cash Loan. The said loan offer is multi-purpose. You may apply for it to make a personal purchase, get your car repaired, travel, push through with a course, etc. Here are the qualifications under the cash loan offer:
- 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 offer may bring different borrowing amounts, here is the range of the 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 50,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 49,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱9,534.99 per month |
| 9 months | ₱6,721.59 per month |
| 12 months | ₱5,324.52 per month |
| 18 months | ₱3,946.46 per month |
| 24 months | ₱3,275.98 per month |
| 30 months | ₱2,888 per month |
| 36 months | ₱2,640.68 per month |
| 45 months | ₱2,409.25 per month |
| 48 months | ₱2,355.09 per month |
| 60 months | ₱2,205.91 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.