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 45,000 under this customer finance product.
In times of cash needs, one of the consumer finance product provider that many giants rely on is Home Credit Philippines. It is one of the popular in its field and has helped countless Filipino in numerous different situations and purposes.
Home Credit Philippines started its operation in the country in 2013. Prior to it, it already operates in several other countries abroad. In PH, it rose to popularity really fast because of its offers that do not only meet the common needs of many people but also bear short lists of qualifications and requirements for application.
One of the loan offers extended by Home Credit is the Home Credit Product Loan which is undeniably its most popular offer. Through it, the consumer finance product provider offers financing services for the purchase of gadgets, appliance, and furniture. It also has another good news for the good payers which you can check below.
Most often, good payers of the Home Credit Product Loan are offered a Home Credit Cash Loan — a multi-purpose loan offer that you may apply for to travel, to expand your business, to make a personal purchase, etc. The offer may be done through a text message, an email, or a phone call.
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.
The Home Credit Cash Loan offer is packed with excellent features. The consumer finance product provider made sure it got the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Who are qualified to apply for the cash loan offer? As mentioned, there is a short list of requirements for application — both eligibility and documentary. Here are the eligibility requirements or qualifications set under the 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
The offers of Home Credit Philippines usually bear the maximum amount that the client may borrow. Meanwhile, here are the minimum and maximum 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 45,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 44,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱8,581.49 per month |
| 9 months | ₱6,049.43 per month |
| 12 months | ₱4,792.07 per month |
| 18 months | ₱3,551.81 per month |
| 24 months | ₱2,948.39 per month |
| 30 months | ₱2,599.20 per month |
| 36 months | ₱2,376.61 per month |
| 45 months | ₱2,168.32 per month |
| 48 months | ₱2,119.58 per month |
| 60 months | ₱1,985.32 per month |
If you wish to apply for the loan, you just have to prepare 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 evaluates loan applications fast. To take your convenience to the maximum level, you may even apply for the Home Credit Cash Loan offer 2025 via the app of the lender.