Home Credit Cash Loans

Home Credit Philippines, since it was founded in October 2013, has been serving the public for almost nine years now. It is one of the fastest-growing financial and non-financial service providers with over 8,000 shops located nationwide.

Among the financing options available with Home Credit are consumer loans, credit cards, and cash loans. Consumer loans refer to making an appliance, furniture, or gadget purchase and then making a down payment, with the balance payable to Home Credit. A Home Credit Card works just like a regular credit card.

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Written by: Piggyy



Loan Term

18 - 36 months

Est. APR

% Varies

Loan Amount

Php10,000 - Php150,000

What is a Cash Loan? 


A Cash loan works just like a traditional loan where a borrower applies for a certain amount and depending on the credit evaluation, will be approved of a loan amount which will then be disbursed through bank transfer, transferred to a mobile wallet, or be available for cash pick-up. 


Features of Home Credit Cash Loan


Loan amount: Php10,000 up to an amount approved based on a credit evaluation

Interest Rate: Prevailing rate of interest at the time of application

Loan Terms: 18 months to 36 months


Eligibility Requirements

The cash loan feature is available only to existing home credit consumers who have a good credit history.  


Documentary Requirements

The existing customer will only be required to submit two valid IDs upon loan application. 


Three Ways to Apply for a Cash Loan


Existing Home Credit Customers can apply for a Cash Loan through three different methods: via the Home Credit App, via Telesales, or through Partner Stores. 


Home Credit App

Home Credit App is available for download in Google Play for Android users. Once downloaded, one can directly sign up and register their account by providing the required personal information and then proceeding to the cash loan application.   



Borrowers can call their customer representatives and apply over the phone through their hotlines or toll-free numbers at (02) 7753 5711 (Globe) or (02) 8424 6611 (PLDT). A credit evaluation will be conducted at the time of the call. Within 24 hours, the borrower will be informed of the status of their loan application. 


Apply at Partnered Stores

Home Credit has more than 700 partnered stores nationwide. Borrowers can search for an available store near them using the “store locator” available on the Home Credit website. A personal loan application can be completed with the sales associate available at every Home Credit partner store.


Benefits of Applying for a Home Credit Cash Loan


Guaranteed Loan Approval for Customers with Good Credit History

Because the cash loan is only offered to existing customers with good credit history, the possibility of getting approved for a cash loan is really high. In a way, this will lessen the worries that a person has, especially if he or she is applying for a cash loan to address emergencies. 


Swift Application and Disbursement

Through any of the methods mentioned in applying for a cash loan, the whole process from application to disbursement will happen within a few minutes to 24 hours. 


Convenient Loan Repayment

To ensure that loan payments are done before the due date, Home Credit has made sure that their customers will be able to make payments through different payment methods that are most convenient for them: auto-debit arrangement, an auto-debit arrangement using debit or credit card, online payments, or over-the-counter- payments. 

Loan Term

18 - 36 months

Est. APR

% Varies

Loan Amount

Php10,000 - Php150,000



The Cash loan application of Home Credit is only available to its existing consumers but poses an advantage for every consumer who wants to borrow money with a high positivity rate of approval, a more convenient loan application, and an easier and faster way of receiving the loan proceeds.


״The secret of happiness, is not found in seeking more, but in developing the capacity to enjoy less״ - Socrates

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