An offer is not cash in hand

Home Credit borrowers describe several separate states that are easy to blur together: seeing an offer, being eligible to apply, receiving an approval result, and actually receiving the money. Some accounts saw an offer disappear or an application decline; another was approved and processed but was still waiting for disbursement. Home Credit’s own guidance also treats offer, application, approval and claiming as separate steps. A screenshot of an offer therefore proves only that the offer was shown—not approval or payout. Sources: Reddit · App reviews · Official guidance. Public borrower reports remain unverified self-reports.