From Bills to Big Needs: Home Credit Cash Loan Is Higit sa Sapat

In times of financial challenges, having a reliable partner is crucial for sustaining bill payments and other essentials. According to the Bangko Sentral ng Pilipinas, 45% of Filipinos had an outstanding loan in 2021. Yet for many, applying for a cash loan only brings stress—long requirements, stressful waiting times, high interest rates, and the dangers of informal lenders with unfair terms. 

This is where Home Credit’s Cash Loan stands out. With quick approvals, simple requirements, and fair terms, it provides a safer, more convenient lending option. Home Credit’s Higit sa Sapat short film captures everyday struggles of Filipinos when it comes to loans and shows how Home Credit Cash Loan can truly make a difference. 

In the Cash Loan Higit Sa Sapat social experiment film, participants shared their struggles with lenders and reflected on what “sapat” or “enough” truly means for their daily life. For many Filipinos, one of the biggest daily struggles is that their income often falls short of covering major expenses, and borrowing money only adds stress instead of being an actual help due to strict requirements, long approvals, and unfair terms. 

Chris, an IT Specialist, recalled how his bank loan took so long to process that it was useless for his urgent needs. Sakari, a medical representative, faced steep interest and collateral demands from informal lenders—at one point leaving his ATM card and even pawning his motorcycle. Jane, a minimum-wage Documentation Assistant and breadwinner, also found most lenders impossible to access because of their strict requirements. 

This experience led Jane and others to turn to Home Credit for their cash needs. For Jane, the single valid ID requirement of Home Credit was especially helpful, allowing her to access the money she needed without the usual hassle. To date, Jane has already availed of a Home Credit Cash Loan six times. 

Unlike traditional lenders or informal options, Home Credit’s Cash Loan is designed to be simple, fast, and flexible—providing real help for Filipinos who need money for sudden expenses or to fund their life goals. 

Here’s how Home Credit Cash Loan stands out: 

1. Just 1 valid ID required – With Home Credit, there’s no need for endless paperwork. Just present 1 valid ID when you apply. Home Credit accepts both primary and secondary IDs such as National ID, UMID, Driver’s License, Voter’s ID, NBI Clearance, Postal ID and Barangay Certificate.  
2. Fast approval and disbursement – No more waiting days or weeks for bank approval—Home Credit Cash Loan offers quick approval as fast as 1 minute processing time, with same-day disbursement of loans of up to ₱50,000.  
3. Flexible loan amount and terms – Avail ₱3,000 to ₱150,000 cash and choose repayment terms from 6 to 60 months, giving you control over your budget while still covering essentials + enjoy these benefits: 
   • Change your due date for FREE and skip a payment for a month with Loan Extra Care for only ₱99/month 
   • Settle your loan early, save on interest and shorten your loan term
   • Enjoy a 15-day interest-free period—just repay the loan amount within 15 days and pay no extra charges 
4. Transparent and fair interest rates – Unlike informal lenders, Home Credit is regulated by the SEC and is committed to ensuring that borrowers know exactly what they’re paying for—with a clear breakdown of fees and no hidden charges. 
5. Trusted nationwide – With over 12 million customers across the country, Home Credit has built a reputation as a trusted financial ally in the Philippines. Recognized by the BSP and SEC, it offers safe and secure digital cash loans—90% of which are processed online. 

At its core, the “Higit sa Sapat” short film delivers a powerful message: in times of hardship, your loan should’nt be something hard to get. Home Credit understands this need, and its cash loan service offer Filipinos  quick access to cash without the unnecessary stress and risks. 

With Home Credit Cash Loan, getting a loan is no longer about long lines, strict requirements, or falling prey to predatory lenders. It’s about getting the right amount, at the right time, in the right way. When asked about how Home Credit Cash Loan is higit sa sapat for her financial needs, Cookie, a housewife with 3 kids has this to say:  

“Higit pa sa sapat ang Home Credit Cash Loan. Nakatulong ito para mapag-aral ko ang mga anak ko—ngayon ay may dalawa na akong pulis at isang call center agent. Malaki ang naitulong nito sa akin, at sana makatulong din ito sa inyo.” [“The Home Credit Cash Loan was more than enough. It helped me send my children to school—now I have two police officers and one call center agent. It has been a great help to me, and I hope it can help you as well.”] 

Watch the “Higit sa Sapat” short film on the official Home Credit YouTube channel.

Already a Home Credit customer? Check if you have a cash loan offer in the Home Credit App.