How to Apply Home Credit Cash Loan

If you are a resident of Cebu and you are looking for a cash loan for any purpose, Home Credit is the ideal option for you. With a few simple steps, you can get access to cash with no hassle and no fuss.

Depending on your financial profile and requirements, there are several criteria that must be met before you can apply for a loan at Home Credit. These include being 18 years of age or above, having a valid ID, and having an income source that can cover loan repayment terms. Additionally, if you are self-employed or have other forms of alternative income such as remittances from abroad, these will also be taken into consideration.

Also Read: How to Apply CIMB Loan Through Gcash

A Home Credit cash loan is a fast, easy, and popular loan program where you can get access to the funds you need in as little as 24 hours. You do not have to worry about complicated paperwork or hidden fees; Home Credit provides a transparent and straightforward loan application process.

Home Credit strives to make financial inclusion and safe lending possible for everyone. Using their world-class financing services, they provide their customers with access to the funds they need to improve their quality of life – often those who are borrowing for the first time.

They provide in-store financing for mass-market customers wishing to purchase appliances and mobile devices (computers, tablets, laptops, and mobile phones) through monthly installments.

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how to apply for home credit cashloan

What is Home Credit company?

It is a leading international consumer finance provider from Czechia with headquarters in New Zealand that provides responsible lending to customers worldwide. Through a network of more than 13,000 partner stores and 30 branches, they offer quick and convenient access to credit for everyday purchases.

Home Credit was founded in 1997 as an international consumer finance provider. They focus on responsible lending to people with little or no credit history and pride themselves on their easy, fast, and simple services. Home Credit Philippines first opened in October 2013 and is part of the Home Credit Group. The Home Credit Group is a global consumer finance expert with a large focus across thirteen countries in Central and Eastern Europe, Asia, as well as North America.

They have expanded to the Philippines and have provided various services and digital platforms to meet the financial needs of Filipino customers.

What is the Home Credit Cash Loan?

The Home Credit Cash Loan is a loan product offered by Home Credit that provides customers with access to additional cash for their needs. The loan has competitive rates and terms, allowing customers to borrow up to PHP 150,000 depending on their credit profile. Customers can apply through the company’s website or through its partner stores where they can get on-the-spot approval.

The loan can be used for a variety of purposes, such as home improvement and medical expenses. Home Credit also offers flexible payment plans to make sure customers can repay their loans without any financial burden.

If you are looking for an easy and fast way to access cash, the Home Credit Cash Loan may be an option for you.


Existing Home Credit customers with good payment history

Disclaimer: Existing Home Credit customers with good records can be eligible to apply for a Cash loan.


  • A Filipino citizen – Only Filipino citizens are eligible to apply
  • Ages 16-68
  • Employed (at least 3 months), self-employed, businessman, pensioner, or receiving regular remittance

Valid Primary IDs to submit

  • UMID- Unified Multi-Purpose ID
  • PRC- Professional Regulation Commission ID
  • Driver’s License- official document or card that says that you are legally allowed to drive
  • Voter’s ID- also known as the Electors Photo Identity Card
  • Passport- It certifies the identity and nationality of its holder for international travel.
  • Philsys ID- The Philippine Identification System ID, also known as the Philippine Identification Card, is the official national identity card for Filipino citizens worldwide
  • Postal ID (New)- The Postal ID is an identity card issued by the state-owned Philippine Postal Corporation

3 Ways to Process Home Credit Cash Loan in the Philippines

There are three ways for you to apply:

  1. Via My Home Credit App
  2. Telephone
  3. In Person by visiting a Home Credit Shop/Office in Cebu

Steps in applying for a Home credit cash loan via the My Home Credit Mobile App

  1. Download the Home credit app here –
  2. Choose the financed amount and how many months you would like to pay for your Cash Loan.
  3. 4. Verification-verify your mobile number. You will receive your one-time password (OTP) and other updates on your number entered.
  4. Fill out the application form
  5. You can check on the status home screen of your Home credit app within 1-2 minutes after submitting.
  6. Wait for the text message for Home Credit that your cash loan is ready.

Steps in applying for a Home Credit Cash Loan via Telesales Agents

You may apply through telesales, their agents are happy to assist you with your application

  1. Call the Home Credit hotlines: (+(02) 7753 5711 (Globe), (02) 8424 6611 (PLDT)
  2. Provide your personal information. The agent will verify the information provided.
  3. Once verified, you can proceed to choose the loan amount and payment terms that best suits your financial capability.
  4. The agent will provide you with a reference number and details of the loan.

Wait for a response Home Credit that your Cash Loan is ready (if you are approved).

Steps in applying for a Home Credit Ccash Loan via Mall Kiosks/Offices

You may visit the Home Credit Shop/Office in Cebu to apply for a cash loan.

  1. You can apply for Home Credit by going to any Mall in Cebu.
  2. Located the kiosk where you can fill out an application.
  3. You need to provide a valid ID, proof of income and other documents required.
  4. The customer service representative will assist you in completing the application process.
  5. Once your loan has been approved, you will receive a reference number and instructions for making the payment.
  6. Wait for a response from Home Credit that your Cash Loan is ready (if you are approved).

Video: Home Credit Cash Loan Application Approved worth PHP 150,000

Check out this video clip as shared by a vlogger who applied for a Cash Loan from Home Credit company. She details the steps she took to get her loan approved and shares tips on how customers can easily apply for the Cash Loan.

This video will be helpful for anyone who is interested in learning more about the Home Credit Cash Loan application process. From the initial requirements to submitting documents and finally getting approval, she explains everything you need to know.

Frequently Asked Questions

1. Who are eligible for a Cash Loan?

Existing Home Credit customers with good payment history only.

2. What is the minimum / maximum Cash Loan amount?

The minimum loan you can take out is 10,000 PHP. The maximum will depend on the offer given to you.

3. What is the minimum / maximum cash loan term I can avail?

The length of your cash loan will depend on the offer given to you, with options ranging from 18 to 36 months.

4. What is the exact monthly interest rate for a Home Credit Cash Loan?

The monthly interest rate for the Home Credit Cash Loan will be based on the offer given to you during your initial application.

5. Is insurance being offered together with a Cash Loan?

Yes. You may ask your insurance officer to inquire about the existing promos/packages.

6. How long does it take the processing the Cash Loan application as well as approval?

Once you’ve submitted all of the necessary documents and your application, it will only take up to 30 minutes for approval.

7. How will I know if my Cash Loan application is approved?

After you submit your application documents and requirements, you will receive an SMS notification in 30 minutes.

8. I received an SMS / Email offering me a Home Credit Cash Loan. Do I need to call your hotline, or can I go to your partner stores directly?

You can either call the hotline, or you may go to our partner stores directly.

9. I received two different Cash Loan offers, which one should I get?

Be sure to apply for the latest offer they have sent.

10. I have an ongoing cash loan, can I apply for another cash loan?

Yes, if you received an offer for a 2nd Cash Loan.

11. I have an existing consumer loan and a cash loan, can I use only one contract number to pay the monthly fee for both loans?

Since you have received two different contract numbers, you will need to pay for each one individually.

12. How can I get my loan proceeds?

Proceeds can be claimed through:

Metrobank – Go to the nearest Metrobank branch, present 2 valid IDs and your reference number, and fill up a remittance form.

Bayad Center – Go to the chosen Bayad Center branch (, present all IDs that you used for the application, and make sure to get the reference number.

Cebuana Lhuillier – Go to the nearest Cebuana Lhuilller branch, present 1 valid ID, and reference number, and fill up a Cebuana Lhuillier form.

13. I received a Cash Loan offer, can I opt for a higher or lower amount than the one I received?

The loan amount you opt for may be lower, but you are not able to apply for a higher amount.

When can I claim my cash loan?

After signing your Cash Loan contract, you will receive an SMS notification informing you of the date when you can claim your loan.

14. If I opted for a cash pick-up, when will I receive the SMS?

After your Cash Loan is approved, you will receive a text message the following business day.

15. Can I use Smart Money/Globe G-Cash, and the like for cash disbursement instead of the bank account number, will this be possible?

Cash Transfer is currently only available to your bank account.

I want to know if my Payroll/Current/Savings ATM can be accepted for fund transfer.

As long as the ATM is under your name and you have a bank account number and documentary proof, then it will be accepted for fund transfer.

16. What banks are accepted Bank transfers?


  • Allied Bank
  • Allied Savings Bank
  • Asia Trust Bank
  • Asia United Bank
  • BDO
  • BPI
  • BPI Family Bank
  • Bank of Commerce
  • China Bank
  • China Trust
  • DBP
  • East West Bank
  • LBP
  • Metrobank
  • PBCom
  • PNB
  • PSBank
  • RCBC
  • RCBC Savings Bank
  • Security Bank
  • UCPB
  • UCPB Savings Bank
  • Union Bank

17. What are the requirements to bring for a bank transfer?

For Bank transfers, please bring along any form of documentation from your bank as proof of your account (e.g. passbook transaction history, bank certification, etc.).

18. I haven’t received any SMS that I can now claim my Cash Loan.

Please give them a call at (02) 7753-5711.

19. Can I change my bank account number for Cash Loan disbursement?

After you’ve sent your Cash Loan contract for evaluation, you can’t change the bank account number for disbursement. If you need to update your information, cancel your old contract and reapply with new info.

20. How long do I have to claim my Cash Loan once available (Cash Pick-up)?

You only have 7 days left to get your Cash Loan at Metrobank or Cebuana Lhuillier. Or Home Credit will cancel the offer. You may re-apply if you need more time to decide.

21. My application for a Cash Loan was rejected, can I re-apply?

Yes, but you must wait 3 months to reapply and you can only do so if you still have an existing Cash Loan offer from Home Credit.

22. Are there any discounts given if I pay in advance?

By paying in advance, you may be eligible for Full Early Repayment (FER) or Partial Early Repayment (PER), which could result in lower overall interest payments.

23. If I want to fully pay the loaned amount within 2 weeks (14 days), how much shall I pay?

You won’t have to pay any interest or fees, just the loan amount.

24. Where can I pay my monthly fee?

You can pay your loan at any 7-11 branch, payment center with ECPAY or Bayad Center logos, SM mall, M.Lhuillier, Cebuana Lhuillier, and RCBC Commercial Bank through cash transactions, online banking, or ATM transactions.

25. I want to know the due date of my monthly payment, where can I get that?

You may call their hotline at (02) 7753 5711.

26. What are the penalties if my payment is delayed?

Below are the fees for delayed payments:

  • Collection Charge: Php 200
  • Past Due 30 days: Php 400
  • Past Due 60 days: Php 600
  • Past Due 90 days: Php 800

27. Can I pay using my Credit or Debit Card? Can I pay using checks?

As of now, they can only accept credit and debit cards with the Mastercard or VISA logo through their Online Bayad Centers. For other payment channels (including mobile/internet banking), they can only accept cash payments.

28. I would like my monthly payments to be directly debited from my bank account, would this be possible?

Yes, the direct debit option is accepted. It will be auto-debited from your bank account when the payment is dues for your loan.

29. When will you debit my payment from my bank account?

Your payment will be debited 3 days before your due date.

30. How will I know if I am qualified to apply for a cash loan?

Existing Home Credit customers with good payment standing may qualify for a cash loan application. Download My Home Credit App and register to see if you are eligible for a cash loan offer. You’ll also receive an offer via call, SMS or email.

31. My cash loan application was not approved. When can I apply again?

Don’t worry, you may apply again for a cash loan when you receive an offer from Home Credit. Download and log in to the My Home Credit app for the latest offers available to you.

32. How do I apply for a cash loan after I receive an offer?

There are three easy ways to apply:

1. Download and log in to the My Home Credit App.

2. Visit one of their partner stores.

3. Call the Home Credit hotline indicated in the SMS/Email/Push Notification offers.

33. What is the monthly interest rate that will be applied to my cash loan?

The monthly interest rate will depend on the offer sent to you. They will compute your monthly amortization based on this rate and this will be clearly stated on your contract and loan details.

34. How will I know if my cash loan application is approved?

If you apply via the mobile app, you’ll receive a notification after submitting your application.

If you apply via phone or via a partner store, you’ll receive an SMS notification.

Here is their contact information:

Customer Service

You may also follow their social media sites below:


Home credit is a good option if you’re looking for an easy to apply for cash loan. They have different kinds of loans that would suit your needs. Their customer service is available 24/7 and they have a mobile app that makes it easier to apply. They also provide different payment options such as cash, debit or credit cards with the Mastercard or Visa logo, mobile/internet banking, ATM transactions, and direct debit from your bank account.

It’s important to read through the offer details so you understand and to also make sure that you pay on or before your due date so that you will not incur penalties and you will be tagged as a good payer to be able to re-apply for a higher loan amount. Follow their social media sites above to get updated on the best offers from Home Credit Philippines.

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