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 150,000 under this customer finance product.
In the Philippines, the Home Credit is one of the entities that many people are used to turn to for their cash and financing needs. Below, you can check the history of the consumer finance product provider and two (2) of its excellent offers.
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 Philippines entered the market in 2013, building on its established presence in several countries worldwide. In the Philippines, it quickly gained traction by offering loan products designed to meet the everyday needs of Filipinos, paired with straightforward qualifications and easy application requirements.
Among Home Credit’s loan programs, the Home Credit Product Loan stands out as the most popular. This financing option allows customers to purchase gadgets, appliances, and furniture with ease. On top of that, members who maintain a strong repayment record can enjoy exclusive rewards, which you’ll find outlined below
Home Credit often extends its Cash Loan to customers with a solid repayment history on their Product Loan. This versatile loan can be used for travel, business expansion, personal purchases, and more. Invitations to apply are typically sent through text messages, emails, or phone calls.
The consumer finance provider has equipped its Cash Loan with a range of excellent features. Borrowers can enjoy the following benefits
- Lowest interest & monthly rates
- Flexible payment options
- Fast & easy application process
As mentioned, the application process comes with only a short list of eligibility and documentary requirements. Below are the qualifications set for 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 sets borrowing limits for its Cash Loan program. Under this offer, customers can apply for amounts within the following range:
- Minimum Loanable Amount — Php 3,000.00
- Maximum Loanable Amount — Php 150,000.00
If you want to borrow Php 150,000 under the Home Credit Cash Loan offer, there is a processing fee of P500.00, thus, you will get a loan proceed of Php 149,500.00. With regards to the monthly amortization, it depends on the loan term. Here’s a guide:
| Loan Term | Estimated Monthly Installment |
| 6 months | ₱28,604.97 per month |
| 9 months | ₱20,164.76 per month |
| 12 months | ₱15,973.55 per month |
| 18 months | ₱11,839.37 per month |
| 24 months | ₱9,827.95 per month |
| 30 months | ₱8,663.99 per month |
| 36 months | ₱7,922.05 per month |
| 45 months | ₱7,227.74 per month |
| 48 months | ₱7,065.27 per month |
| 60 months | ₱6,617.72 per month |
When applying for the loan, you’ll need to prepare at least one (1) primary ID or two (2) secondary IDs. Here’s a quick 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 processes loan applications quickly, ensuring borrowers receive timely decisions.. You may even apply for the Home Credit Cash Loan offer 2025 via the app of the consumer finance product provider.