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 15,000 under this customer finance product.
Have you just received a cash loan offer from HC? You might be wondering about its features and what are needed to apply for it. We’ll take a full yet comprehensive discussion of this valuable loan offer in this article.
Before discussing about the Home Credit Cash Loan, let us first take a quick review about its provider, the Home Credit Philippines. The consumer finance product provider is serving countless Filipino people for several decades now since 2013. HC was already operating in several countries and territories abroad when it started its operation in the country.
Home Credit rose to pedestal fast with its Home Credit Product Loans. Through the product loan offer, the consumer finance product provider can finance the purchase of a mobile phone or other gadgets, an appliance, or a furniture.
Good payers of the Home Credit Product Loan may receive a Home Credit Cash Loan offer that is usually extended to the clients through a text message, an email, or a phone call. The loan offer is equipped with excellent features which you can check below.
Home Credit Philippines made sure its offers are packed with features that would really benefit its clients. Its cash loan offer guarantees the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
There is a short list of eligibility requirements for the Home Credit Cash Loan application. To qualify for the loan offer, the loan applicant should meet the following qualifications:
- 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 amount under the loan actually varies depending on the offer of Home Credit Philippines. Here is the range of the borrowing amounts allowed by the consumer finance product provider:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 15,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 14,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱2,860.50 per month |
| 9 months | ₱2,016.48 per month |
| 12 months | ₱1,597.36 per month |
| 18 months | ₱1,183.94 per month |
| 24 months | ₱982.80 per month |
| 30 months | ₱866.40 per month |
| 36 months | ₱792.20 per month |
| 45 months | ₱722.77 per month |
| 48 months | ₱706.53 per month |
| 60 months | ₱661.77 per month |
In applying for the loan offer, you don’t need a lot of documents. You just have to present at least one (1) primary ID or two (2) secondary IDs. Here is a guide:
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 reserves the sole right to assess the loan applications. Your loan can get approved in as fast as one (1) minute. You may apply for the Home Credit Cash Loan offer 2025 via the app of the lender.