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 40,000 under this customer finance product.
When it comes to consumer finance product providers in the Philippines, Home Credit has undeniably set feet apart from others of its kind as for prominence. It has provided countless Filipinos services through its in-demand offers.
Home Credit Philippines started its operations in 2013, after it has already established presence in several countries and territories abroad. In the Philippines, it quickly rose to popularity with its loan offers that not only address the common needs of many Filipinos but also come with simple qualifications and requirements for application.
Among Home Credit’s loan programs, the Product Home Credit Product Loan stands out as its most popular offers. Through this loan offer, the the consumer finance product provider offers financing for the purchase of gadgets, appliances, and furniture. In addition, financing entity has special rewards for members with a strong repayment record, which you can explore below.
Home Credit often extends its Cash Loan offer to responsible payers of its Product Loan. This multi-purpose loan can be used for travel, business expansion, personal purchases, and more. Offers to apply for this loan offer are typically sent through text messages, emails, or phone calls.
The Home Credit Cash Loan offer comes with excellent features designed to provide flexible financial support, which you can explore below.
The consumer finance product provider has equipped with cash loan offer with excellent features. Borrowers get to enjoy the following:
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
Who can apply for the Home Credit Cash Loan? As mentioned, the application process requires only a short list of eligibility and documentary requirements. Below are the qualifications set under this 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
Home Credit Philippines typically sets a maximum borrowing limit for its cash loan. Under the offer, the minimum and maximum loanable amounts are as follows:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 40,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 39,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱7,627.99 per month |
| 9 months | ₱5,377.27 per month |
| 12 months | ₱4,259.61 per month |
| 18 months | ₱3,157.17 per month |
| 24 months | ₱2,620.79 per month |
| 30 months | ₱2,310.40 per month |
| 36 months | ₱2,112.55 per month |
| 45 months | ₱1,927.40 per month |
| 48 months | ₱1,884.07 per month |
| 60 months | ₱1,764.73 per month |
In applying for the loan offer, 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 is quick in assessing loan applications. You may even apply for the Home Credit Cash Loan offer 2025 via the app of the consumer finance product provider.