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 P60,000.00 under this customer finance product.
Nowadays, the Filipinos undeniably have quite many options in times of cash needs. However, not everyone can provide all the documents listed in the long list of requirements set by the bank. Meanwhile, there are lenders that have crafted short list of requirements under its loan offers.
In the Philippines, one of the consumer finance product provider that usually require a few documents for the applications to its offers is Home Credit. It is operating in the country for several decades now and has widely grown its offers since it first started here in 2013.
Among the loan offers of the consumer finance product provider, the most popular and the most accessed is the Home Credit Product Loan. In fact, countless Filipinos are avid clients of Home Credit for the said offer.
The Home Credit Product Loan can finance the purchase of appliance, gadgets, furniture, etc. Another good news is that it got an offer for good payers of the Product Loan — the Home Credit Cash Loan offer. This one has also helped many Filipinos amid their cash needs.
The Home Credit Cash Loan is the loan offer with the most flexibility when it comes to the purposes it can serve. You may apply for it to fund your travel, to make a personal purchase, to host an event, to enroll in a course, etc.
The consumer finance product provider boasts its loan offer with an easy and fast application process. The offer is open for both salaried and non-salaried individuals who have received an offer from HC.
Here are the qualifications that a loan applicant should meet to be eligible to apply for the 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? Each offer actually comes with an amount offer specific for the client. Meanwhile, here is the range of the loanable amounts under the cash loan:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 60,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 59,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱11,441.99 per month |
| 9 months | ₱8,065.90 per month |
| 12 months | ₱6,389.42 per month |
| 18 months | ₱4,735.75 per month |
| 24 months | ₱3,931.18 per month |
| 30 months | ₱3,465.59 per month |
| 36 months | ₱3,168.82 per month |
| 45 months | ₱2,891.10 per month |
| 48 months | ₱2,826.11 per month |
| 60 months | ₱2,647.09 per month |
If you wish to proceed to the application for the cash loan offer, you need to prepare at least one (1) primary ID or two (2) secondary IDs. 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 the loan applications and may approve a loan in as fast as one minute. You can apply for the Home Credit Cash Loan offer 2025 through its app.