Cash Loan
Get a Cash Loan you can use anywhere! With Home Credit, you can easily apply for a Cash Loan without worries. Apply Now!
Get a Home Credit Cash Loan in 3 easy steps!
Getting a new product?
Check your eligibility for free by answering these easy questions.
How to Apply 
Requirements 
How to claim 
Why Home Credit 
FAQ
How to Apply
Check out your fast and easy options to apply for a cash loan! Approval is as fast as 1 minute!
NOTE: Only selected customers can apply. To know if you have an offer call (02)7900-6014.
Option 1
Via Phone
Call us at (02) 7753-5714 or at our Toll free Numbers:
Smart/PLDT: 1-800-10-234-3000
Globe: 1-800-8-905-0303
*Monday to Sunday, 8AM-9PM
Complete your application online
Click the link here to watch the video or read the step by step instructions on how to e-sign the contract.
Option 2
Download the Mobile App
Get the my Home Credit app for free and check if you have a cash loan offer
Option 3
Visit Our Partner Stores
Choose from our selected partner stores nationwide.
Select which mall or store and click search.
Reminder: Please check mall operating hours before proceeding to the store.
Easily apply within only the following requirements:
| Availability | May existing Home Credit loan |
| Requirements | 2 Valid IDs, with at least 1 Government issued ID, with one bearing an address |
| Bank document na may account number (only if you want to receive your Cash Loan through your bank account) |
How to claim my Cash Loan
You have 2 options to get your cash. Either through bank transfer or through cash pick up. Remember to bring 2 valid IDs and your reference code before filling up the forms.
You have 2 options to get your cash.
| Through Bank transfer |
|---|
| Bank Name |
| BPI Bank of the Philippine Islands |
| Standard Chartered – The Standard Chartered Bank |
| HK and Shanghai Banking Corp. |
| Citibank – Citibank, N.A |
| See more Banks |
| Through Cash Pick-up |
|---|
| You may pick up your cash from the following partners below |
Safety guarantee
Enjoy full transparency in our products and best in class service. Best of all, Home Credit supports you and provides solutions whatever happens throughout the term of the loan.
When applying for a loan
No Hidden Charges
We offer full transparency on our products. That means no hidden charges and all information about the loan is disclosed up front.
Tailor-fit plans
We can tailor-fit installment plans to match your needs! Just make sure all of your information is correct and up to date during application.
Easy, Simple, Fast
Our requirements are easy, applying is simple and approvals are fast.
Full Transparency
We will be happy to answer all of your questions and explain the loan conditions in detail.
When maintaining our relationship
Helpful Reminders
To help you pay on time and avoid late payment penalties, we’ll be sending polite reminders about your due date.
Accessible Information
You can check your loan details anytime through the My Payment portal on Home Credit website.
Fair Partnership
We value you and treat you fairly. In return, we ask only that you pay your installments on time and be open with us so we can help you out if there’s a need.
Contact us anytime
You can get in touch with is via our call center, email or Facebook. Please update us on changes in your contact details.
In case of unexpected events
Payment assistance
In case of difficult life situations, we can consider waiving penalties and offering repayment solutions for you.
And if you are unsatisfied with our services
Full Repayment without Fees
If you aren’t completely satisfied with our service, you have the option of repaying your loan in full without any fees within the first 15 days upon signing the contract.
Frequently asked questions
Find answers to all your questions about our loans and financing!
Existing HC Customers with good payment history.
The minimum loanable amount is Php 10,000. The maximum amount will depend on the offer given to you.
You have the option of availing for a Cash Loan from 18, 24, 30 or 36 months. However, this will depend on the offer given to you.
The monthly Interest for the Home Credit Cash Loan will depend on the offer given to you. Thorough explanation will be provided to you during your initial application.
Yes
Approval takes only up to 30 minutes once all pertinent documents and application is submitted.
You will receive an SMS notification 30 minutes after you submit application documents and requirements.
You can either call the hotline, or you may go to our partner stores directly.
You may opt for a lower amount but you cannot apply for a higher loan amount.
You must apply for the latest offer sent to you.
Yes, if you received an offer for a 2nd Cash Loan.
No, since you have 2 contract numbers, you must pay each contract separately.
Proceeds can be claimed through:
- Metrobank – Pumunta sa nearest na Metrobank branch, present 2 valid IDs and your reference number, and fill-up a remittance form.
- Bayad Center – Pumunta sa piling Bayad Center branch (http://bit.ly/bayadremit), present all IDs na ginamit sa loan application, at reference #.
- Cebuana Lhuillier – Pumunta sa nearest Cebuana Lhuilller branch, present 1 valid ID, reference #, and fill-up a Cebuana Lhuillier form.
After signing your Cash Loan contract, you will receive an SMS notification informing you the date you may claim your loan.
You should receive an SMS the next business day from approval of your Cash Loan.
As of now, we only accept client’s bank account number as a medium for cash disbursement (Cash Transfer).
Yes, ATM is being accepted for fund transfer as long as it is under the customer’s name and customer can provide bank account number and document to verify it.
LIST OF BANKS FOR BANK TRANSFER
- 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
For Bank transfer, simply bring any proof of your bank account (issued by the bank. e.g. passbook transaction, bank certification, etc.).
Please call our hotline at (02) 7753-5711.
Yes, you may claim your Cash Loan in any Metrobank or Cebuana Lhuillier branch nationwide.
The bank account number for disbursement cannot be changed once the contract is sent to evaluation. You must cancel your Cash Loan contract and re-apply for a new one with your new bank account number.
You have 7 days to claim your Cash Loan at Metrobank or Cebuana Lhuillier.
Yes, but you can only re-apply 3 months after and if you still have an existing Cash Loan offer from Home Credit.
No, but if you pay in advance, you may benefit from interest re-calculation through the form of Full Early Repayment (FER) and Partial Early Repayment (PER).
You will just have to pay the loan amount with no interest or fee.
Just like the regular consumer loan, you may pay in all 7-11 branches, any payment center with ECPAY or Bayad Center logos, SM Malls, M.Lhuillier, Cebuana Lhuillier and RCBC Commercial Banks through cash, online banking and ATM transactions.
You may call our hotline at (02) 7753 5711.
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
Please note that the fees listed above are subject to change.
Credit card (w/ Mastercard or VISA logo) and Debit Card w/ Bancnet logo are accepted through Online Bayad Centers. For Other payment channels (including mobile/ internet banking) only accepts cash payments as of now.
Yes, direct debit option is accepted.
Your payment will be debited 3 days before your due date.
Yes, you can still pay your monthly installment thru our payment channel partners even if you are enrolled to ADA. Please make sure to pay the exact amount of your installment before the debiting date to make sure that we will not deduct any amount from your bank account.
Existing HC Customers with good payment history.
The minimum loanable amount is Php 10,000. The maximum amount will depend on the offer given to you.
You have the option of availing for a Cash Loan from 18, 24, 30 or 36 months. However, this will depend on the offer given to you.
The monthly Interest for the Home Credit Cash Loan will depend on the offer given to you. Thorough explanation will be provided to you during your initial application.
Yes
Approval takes only up to 30 minutes once all pertinent documents and application is submitted.
You will receive an SMS notification 30 minutes after you submit application documents and requirements.
You can either call the hotline, or you may go to our partner stores directly.
You may opt for a lower amount but you cannot apply for a higher loan amount.
You must apply for the latest offer sent to you.
Yes, if you received an offer for a 2nd Cash Loan.
No, since you have 2 contract numbers, you must pay each contract separately.
Proceeds can be claimed through:
- Metrobank – Pumunta sa nearest na Metrobank branch, present 2 valid IDs and your reference number, and fill-up a remittance form.
- Bayad Center – Pumunta sa piling Bayad Center branch (http://bit.ly/bayadremit), present all IDs na ginamit sa loan application, at reference #.
- Cebuana Lhuillier – Pumunta sa nearest Cebuana Lhuilller branch, present 1 valid ID, reference #, and fill-up a Cebuana Lhuillier form.
After signing your Cash Loan contract, you will receive an SMS notification informing you the date you may claim your loan.
You should receive an SMS the next business day from approval of your Cash Loan.
As of now, we only accept client’s bank account number as a medium for cash disbursement (Cash Transfer).
Yes, ATM is being accepted for fund transfer as long as it is under the customer’s name and customer can provide bank account number and document to verify it.
LIST OF BANKS FOR BANK TRANSFER
- 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
For Bank transfer, simply bring any proof of your bank account (issued by the bank. e.g. passbook transaction, bank certification, etc.).
Please call our hotline at (02) 7753-5711.
Yes, you may claim your Cash Loan in any Metrobank or Cebuana Lhuillier branch nationwide.
The bank account number for disbursement cannot be changed once the contract is sent to evaluation. You must cancel your Cash Loan contract and re-apply for a new one with your new bank account number.
You have 7 days to claim your Cash Loan at Metrobank or Cebuana Lhuillier.
Yes, but you can only re-apply 3 months after and if you still have an existing Cash Loan offer from Home Credit.
No, but if you pay in advance, you may benefit from interest re-calculation through the form of Full Early Repayment (FER) and Partial Early Repayment (PER).
You will just have to pay the loan amount with no interest or fee.
Just like the regular consumer loan, you may pay in all 7-11 branches, any payment center with ECPAY or Bayad Center logos, SM Malls, M.Lhuillier, Cebuana Lhuillier and RCBC Commercial Banks through cash, online banking and ATM transactions.
You may call our hotline at (02) 7753 5711.
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
Please note that the fees listed above are subject to change.
Credit card (w/ Mastercard or VISA logo) and Debit Card w/ Bancnet logo are accepted through Online Bayad Centers. For Other payment channels (including mobile/ internet banking) only accepts cash payments as of now.
Yes, direct debit option is accepted.
Your payment will be debited 3 days before your due date.
Yes, you can still pay your monthly installment thru our payment channel partners even if you are enrolled to ADA. Please make sure to pay the exact amount of your installment before the debiting date to make sure that we will not deduct any amount from your bank account.
