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 P25,000.00 under this customer finance product.
There are countless lending companies in the Philippines but, undeniably, not everyone has earned the trust of the Filipino people. One of those which earned the trust of many Filipinos is Home Credit Philippines.
Since 2013, Home Credit Philippines has been providing different kinds of loan offers to the Filipino people with the Home Credit Product Loan as its most popular offer. Through it, countless people were able to enjoy the benefit of acquiring their target gadget, furniture, or appliance without having to deal with a one-time full cash payment.
Under the consumer finance product provider giant’s Product Loan offer, the client only need to prepare for the downpayment. There is also an additional offer for the payers — the Home Credit Cash Loan. It is a multi-purpose loan offer that you may apply for to make a personal purchase, get your car repaired, boost your business, travel, etc.
The Home Credit Cash Loan offer comes with superb features. It comes with the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Also an excellent feature of the cash loan offer is the short list of eligibility requirements. To qualify for the loan offer, the client should meet the following qualifications for application:
- 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
Under the Home Credit Cash Loan offer, there is a wide range of loanable amounts although the offers may come with varying borrowing amounts among the clients. Here are the minimum and maximum loanable amounts under it:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 25,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 24,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱4,767.50 per month |
| 9 months | ₱3,360.79 per month |
| 12 months | ₱2,662.26 per month |
| 18 months | ₱1,973.23 per month |
| 24 months | ₱1,637.99 per month |
| 30 months | ₱1,444 per month |
| 36 months | ₱1,320.34 per month |
| 45 months | ₱1,204.62 per month |
| 48 months | ₱1,177.55 per month |
| 60 months | ₱1,102.95 per month |
Home Credit Philippines asks for either one (1) primary ID or two (2) secondary IDs as a proof of identity in applying for the 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
Home Credit evaluates all loan applications and the approval may take as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 through its app.