How to apply cash loan in Home Credit without offer (Philippines)

While you won’t see a loan offer directly, you can still apply for a Cash Loan with Home Credit in the Philippines even if you haven’t received a pre-approved notice. Here are your options:

Apply Through the My Home Credit App:

1. Download and install the My Home Credit App if you haven’t already.
2. Login and check if there’s a Cash Loan offer available for you. Even without a pre-approval, the app might still show you existing offers.

Apply Through Other Channels:

If the app doesn’t show any offers, you can try these methods:

• Call the Hotlines: Reach out to Home Credit’s telesales hotline at (02) 7753 5714 or their dedicated Cash Loan hotlines depending on your network: Smart/PLDT: 1 800 10 234 3000, Globe/TM: 1 800 8 905 0303.
• Visit Partner Stores: Locate a Home Credit partner store https://www.homecredit.ph/partner-stores. Approach a sales associate and inquire about applying for a Cash Loan. Bring two valid IDs for verification.

Important Notes:

• Without a pre-approved offer, there’s a chance your application won’t be approved or the loan amount might be lower.
• Home Credit will assess your creditworthiness before approval.

For further details and requirements, you can visit the official Home Credit Cash Loan page https://www.homecredit.ph/apply/cash-loans