Guide on How To Apply for Home Credit Cash Loan 2026 via App & the Requirements
HOME CREDIT CASH LOAN 2026 – If you wish to apply via the Home Credit app, here is a guide on the steps that you need to make.
In the Philippines, when it comes to cash loans, Home Credit has become one of the most popular providers of this type of consumer finance product. In fact, many individuals have availed the offers to them multiple times already. Did you just receive one or another one?
Home Credit is operating in the Philippines for decades now since 2013. It has undeniably earned the trust of countless Filipinos. It rose to pedestal fast through the Home Credit Product Loan that helped countless Filipinos acquire their target gadgets, appliances, and furniture without paying for them under a one-time full cash payment. The finance product provider giant has a treat for good payers of its product loan offer — the Home Credit Cash Loan.
The Home Credit Cash Loan is multi-purpose. You may apply for it to make a personal purchase, to travel, to expand your business, to get your car repaired, etc. The offer is usually extended through a text message, an email, or a call from Home Credit PH.
How much is loanable under the loan offer? The borrowing amounts actually vary on a case-to-case basis depending on the offer of the Home Credit Philippines. The loan is payable for up to five (5) years or 60 monthly installements.
With regards to the interest rate, it is at 2.32% add-on rate as the base interest rate. Here are the qualifications in applying for the loan offer:
QUALIFICATIONS
- a Filipino citizen
- at least 18 years old but not more than 68 years old
- with valid proof of identity
- with a stable source of income from any of the following:
- employment
- business
- monthly pension
- regular remittance
DOCUMENTARY REQUIREMENTS
The Home Credit Cash Loan offer comes with a very few requirements for application. You just have to prepare these two (2):
- duly-accomplished and signed Home Credit Cash Loan Online Application Form
- one (1) valid Primary ID or two (2) secondary IDs
Primary ID
- Unified Multi-Purpose ID (UMID)
- Philippine Identification Card
- Driver’s License
- Postal ID (New)
- Professional Regulation (PRC) ID – Secondary ID with Address Required
- Voter’s ID
Secondary ID
- Postal ID (Old)
- Barangay Certificate
- NBI Clearance
- Phone Bill
- Electricity Bill
- Water Bill
- Mobile/Internet/Cable Bill
Home Credit Cash Loan 2025 Application via App
You may apply for the cash loan offer via the My Home Credit app. To do it, you just have to log in to your account by providing your password. Ensure a stable internet connection before starting your loan application to avoid losing connectivity during the process.
After logging in to your My Home Credit app account, proceed to the section where the offers are posted and click/tap the cash loan offer. Enter the information asked to update your records and then submit it to HC.
Wait for the result of your loan application. The loan provider may inform you with the result in as fast as one (1) minute. Submit the other information needed to proceed to the releasing of the loan. Sign the loan agreement through the OTP or the One-Time Password that will be sent to you via a text message.
Releasing. Here are the options with regards to the disbursement agent or mode that you can choose from for your cash release:
Bank Transfer
- Bank of China
- China Bank Savings, Inc.
- China Banking Corporation
- BDO Unibank Inc
- Land Bank of the Philippines
- Bank of the Philippine Islands
- Development Bank of the Philippines
- Union Bank of the Philippines
- Security Bank Corporation
- Asia United Bank Corporation
- East West Banking Corporation
- Robinsons Bank Corporation
- Philippines Veterans Bank
Cash Pick-Up
- Cebuana Lhuillier
- USSC
- LBC
- Bayad Center
- Metrobank
Repayment. You can repay the amount borrowed through any of the following:
- Auto Debit Arrangement
- Bank of the Philippine Islands (BPI)
- Metrobank
- UnionBank
- Rizal Commercial Banking Corporation (RCBC)
- BDO Unibank
- Security Bank
- Philippine National Bank (PNB)
- EastWest Bank
- Pay through the Mobile App
- Pay through the Website
- Pay Over-the-Counter
- 7/11
- Palawan Express
- USSC
- Asia United Bank (AUB)
- Cebuana Lhuillier
- Touchpay
- MLhuillier
- Bayad Center
- RCBC Over-the-Counter
- BDO Over-the-Counter
- Digipay
Do you want to check on your monthly due if you will borrow P100,000 under the Home Credit Cash Loan offer?