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Quick Guide: How To Apply GCash Loan Philippines

GCash is a supercharged wallet that allows you to manage your finances. You can send and receive funds, pay bills, top up your mobile load, and shop online. It is like a digital piggy bank, where you don’t have to wait in line at the bank to finish transactions.  

You can do everything through the GCash app. With its latest technology and partnership, you can apply for a GCash loan quickly. Learn more about what you can do with the mobile app and how to loan to GCash. 

Table of Content

GCash Loan

Top Characteristics of GCash Loan

What are the GCash Loan Requirements and Qualifications?

How to Loan in GCash?

How to Pay GCash Loan?

What is GScore?

What else can I Do with GCash?


Frequently Asked Questions

GCash Loan

GCash Loan in the Philippines is your quick cash boost. It is one of GCash’s best features. You can borrow a certain amount and then pay it back later with a bit of interest. It is super handy, especially when you’re in a pinch of some unexpected expenses. As a result, you can get extra funding without the hassle of a bank visit. 

When borrowing money in GCash, you have three options–-GLoan and GGives powered by Fuse Lending Inc. and GCredit powered by CIMB. These three sound intriguing and confusing at the same time. But once you know their features, you’ll know the best option for you. 

Taking out a loan from GCash is secure as the platform is SEC-registered. You

What is GLoan?

GCash GLoan is your partner for a temporary cash boost. It is ideal for financial moments when you’re low on cash yet need a quick fix to cover some expenses. 

GLoan is a GCash Personal Loan from your GCash app. The loan amount will be reflected in your e-wallet within 24 hours of approval. Then, you can withdraw it as cash through bank transfer, GCash Mastercard, or over-the-counter official GCash partners. 

gcash gloan
Interest Rate and Fees 

The monthly interest rate ranges from 1.59% to 6.57%. But it differs for each user. 

Meanwhile, the processing fee costs 3% of the loaned amount. Also, it is automatically deducted from the quick cash you’ll receive. For example, your approved loan amount is Php 10,000. Your processing fee is Php 300 (10,000 x 0.03). Therefore, you’ll receive Php 9,700 in your GCash wallet. 

How to qualify in GLoan GCash?

If you have any of the qualifications below, you can apply for a GCash Gloan: 

  • Filipino citizen
  • Age 21 to 65 years old
  • Fully-verified account
  • High GScore
  • Good credit standing
  • No fraudulent record
GLoan Loanable Amount

The loan amount depends on your GScore. You can get a higher loan amount if you have a higher score. However, it still counts if you’re eligible or not. 

You can take out at least Php 1,000 up to Php 50,000. But if you are an eligible GCash user, you can borrow as high as Php 125,000. 

Sample Scenario

You’re doing online shopping, and you spot the perfect sneakers you’ve been eyeing for is on sale. You can not pass the opportunity, but your paycheck is still a few days away. Instead of being down, you can use GLoan to cover the kick’s cost. 

Once you get approved and receive funds from your GLoan, you can complete your purchase. On your repayment, you can gradually pay off your GLoan in small increments with your GCash balance. 

What is GGives?

GCash GGives is the app’s “Buy Now, Pay Later” feature. You can make purchases now without spending cash, but you have to repay it in installments with interest. You can choose between 3, 6, 9, 12, 18, or 24 months. 

You can make purchases online or offline with GGives. It can be in supermarkets, convenience stores, gasoline stations, or pharmacies. However, it must be one of the GGives Partner Merchants. No worries. There are more than 85,000 partner merchants nationwide. You can use it in SM Stores, Robinsons Supermarket, Alfamart, Mercury Drug, Petron, Shopee, and more. 

You cannot withdraw your loan as cash like GLoan. Instead, your loan amount goes directly to the partner merchant. 

gcash ggives
Interest Rate and Fees

GGives has no processing fee. It is one of its best highlights compared to GLoan. However, its interest rate ranges from 0% to 4.99%. But it depended on your GScore and loan term. 

How to qualify in GGives GCash?

If you have any of the qualifications below, you can apply for a GCash GGives: 

  • Filipino citizen
  • Age 21 to 65 years old
  • Fully-verified account
  • High GScore
  • Good credit standing
  • No fraudulent record
GGives Loanable Amount

You have to register first to GGives to make your purchases anytime. Then, you can loan from Php 1,000 up to Php 50,000. But it is directly paid to the partner merchant. 

Sample Scenario

Your laptop unexpectedly stopped working, and yet you regularly use it for work. Sadly, buying a new one is not part of your budget. How can you continue working and earn money if you don’t have the funds for a device? No worries. With GGives, you can get a brand-new laptop immediately without shelling out cash. Instead, you pay it back in installments, depending on your preference. It’s a win-win. 

What is GCredit?

GCash GCredit is like your own financial superhero. It is a personal credit line that you can use for online payments and in-store transactions. But it only works with partner merchants. It comes in handy, especially if your funds are running low. 

GCredit is a unique feature of the GCash loan app with a virtual credit line. It’s like having a mini credit card in your pocket but using your mobile device this time. You can borrow funds for your transactions until your credit limit. 

If you have GCredit, making purchases and availing of payment services is easy. You don’t have to worry if your GCash wallet has an insufficient balance. But you must settle the loan amount within 45 days of your transaction. 

gcredit for gcash loan
Interest Rate and Fees

Your GScore significantly affects the GCredit interest rate. Still, the monthly interest ranges from 1% to 7%. You don’t have to guess. The effective rate is visible on your GCredit Dashboard. 

Fortunately, there is no processing fee in GCredit. However, be prepared for penalty charges if you’re past your due date. 

How to qualify in GCredit GCash?

If you have any of the qualifications below, you can apply for a GCash GCredit: 

  • Filipino citizen
  • Age 21 to 65 years old
  • Fully-verified account
  • High GScore
  • No fraudulent record
GCredit Loanable Amount

Your initial credit limit is Php 1,000, but you can take as high as Php 30,000 as long as you maintain a healthy GScore. GCredit offers a credit limit that depends on your GCash usage and financial behavior. 

Sample Scenario

You can use your GCredit limit to buy groceries and shop online. Also, you can pay your utility bills and other affiliated government agencies. It is super convenient. Topping up your wallet before purchasing is the least of your concerns. Now, you can simply tap with GCredit and settle your bill later. 

With GCash Loan as your go-to buddy, your financial life is more straightforward. It’s like you have a personal finance assistant always available to manage your money with style. However, be reminded that a GCash loan is not free money – you loan to GCash. That’s why you have to pay it back within a certain period. 

7 Top Characteristics of GCash Loan

Now, you can quickly identify the three types of GCash loans you might need. But why should you opt for it instead of other online platforms? Here are the features you can expect from GCash. 

Quick GCash Loan Approval

Applying for a GCash Personal Loan is fast and easy. The process takes less than an hour using your mobile phone and a strong internet connection. Before you know it, you get your loan approved within minutes. That’s why it is the best buddy for emergencies. 

High GCash Loan Amount

Gcash-eligible users can take up to Php 125,000 cash loans. It is higher if you compare it to other digital lending apps. 

Flexible GCash Loan Payment Terms

Repayment is the next best thing with a Gcash loan. You can repay within your chosen installment plan. You can settle your loan cash within six months up to 24 months. 

Amazing Security

Your privacy is the top priority of the GCash loan app. You don’t have to worry about harassment issues when repaying your loan. GCash loan will never ask your family and friends to pay for your quick cash. In addition, you will not experience aggressive collection issues from your loan provider. 

No Collateral

Taking out a personal loan from GCash does not require any collateral. You don’t have to risk your house, lot, land, jewelry, gadgets, and other valuable properties just to receive loan cash. 

Basic Requirements

GCash has a simple list of papers to prepare and contract. With your registered information in the mobile app, credit checking and assessing your creditworthiness is unnecessary. 

Low-Interest Rate and Other Charges

Gcash loan’s interest rate ranges from 0% for the first 14 days. Meanwhile, it goes from 1.59% to 6.57% per month. Other moneylending apps have rates as high as 9% monthly. 

In addition, GCash is full of surprises. They often have rebates or cashback when you least expect them. Nevertheless, it does not have any hidden charges. It means you can loan your way without thinking of additional costs. 

Becoming a fully verified GCash user lets you enjoy these perks hassle-free. It’s not just a reliable e-wallet. 

What are the GCash Loan Requirements and Qualifications?

Do you want to take advantage of a GCash loan? Assess yourself and see if you have what it takes to have one. 

Filipino Citizen. You must be a Filipino citizen to apply for a GCash loan. 

Age. Your age must fall between 21 to 65 years old. 

Fully-verified user. Your priority is that you must be a fully-verified app user. Everything else follows once you secure it. 

Valid Identification. An updated ID is a must-have when applying for a GCash loan. These can be the following:

  • Driver’s license
  • Postal ID
  • Passport
  • PRC ID
  • SSS ID
  • UMID 
  • PhilHealth ID
  • Pag-IBIG ID

GScore. Your GScore is your personal score for using the GCash mobile app. It is like a credit score based on GCash’s own scoring system. The more you use the GCash program, the more you can increase your GScore. But take note that GScore requirements vary per GCash customer. 

Source of Income. Since it is a collateral-free loan, proof of your income is vital. You may send a copy of your pay slip, bank statement, or Income Tax Return (ITR) for approval. 

Credit Record. You must maintain a good record for faster loan approval. Also, you must refrain from committing any fraudulent transactions to avoid delays or rejections. 

Check your GCash app and see if you are an eligible borrower for a GCash loan. 

How to Loan in GCash?

Are you now more convinced that you can borrow cash from GCash? We listed a step-by-step guide on how to loan money in GCash. 

How to avail loan in GCash GLoan?

Here are the steps for your quick online loan through GCash GLoan. 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GLoan. Read the overview of the interest rate and processing fee. Then, click Get Started

Step 4. Enter your loan amount with the slider. Choose your preferred loan duration and purpose of the loan. Then, click Get this Loan

Step 5. Verify all your personal loan details before you Continue

Step 6. Review your personal data—Tick Agree on the Data Privacy Policy Agreement. You may update your information first if needed. Then, click Next

Step 7. Review your loan details. Tick Agree on the Disclosure Statement and Loan’s Terms and Conditions. Then, click Continue

Step 8. Confirm the loan amount you will receive. Wait for the six-digit authentication code through SMS.

Step 9. Enter the authentication code and Submit. A prompt will confirm that your loan application is successful. Expect to receive an SMS and loan amount in your GCash wallet within 24 hours. 

How to avail loan in GCash GGives?

You need to register first in GGives before anything else. 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GGives

Step 4. Check if all the pre-filled personal data is correct. If yes, click Continue

Step 5. Agree to the Fuse Lending Policies.

Step 6. Click Activate my GGives to finish. Wait for a prompt that will confirm that your GGives application is successful. Then, you can use GGives to pay for your online and QR purchases. 

How to use GGives for QR Purchases?

Step 1. Click Pay QR from the dashboard.

Step 2. Scan the store’s QR code.

Step 3. Enter the right amount you need to pay, then click Next.

Step 4. Select GGives for your payment option and specify your preferred installment. 

Step 5. Agree with the Disclosure Statement and click Pay

How to use GGives for Online Purchases?

Step 1. Check out your item on the online shopping platform.

Step 2. Select GCash as your payment option. It will automatically redirect you to the GCash app. Log in with your MPIN. 

Step 3. Select GGives and click Next.

Step 4. Agree with the Disclosure Statement and click Pay

How to avail loan in GCash GCredit?

Like GGives, you must register your GCredit first to unlock the feature. 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GCredit

Step 4. Verify your email address. Then, click Next

Step 5. Complete all your personal data. Then, click Continue

Step 6. Double-check all the details before you click Submit. You will receive an email or SMS update within 1 to 3 days. 

How to Pay GCash Loan?

When you loan to GCash, you must remember your obligation—repayment. We listed a step-by-step guide on how you can pay your GCash loan. 

GCash Loan Payment for GLoan

GCash will automatically deduct the repayment amount from your e-wallet balance if it’s your due date. But you can use the GCash loan app or visit any GCash partner outlets. 

With GCash mobile app: 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GLoan

Step 4. Select Pay for GLoan in the dashboard. 

Step 5. Enter your repayment amount and click Next

Step 6. Check all the details and select Pay. Wait for the payment receipt. 

With Gcash partner outlet:

Step 1. Visit any GCash outlet. 

Step 2. Present your original loan agreement form.

Step 3. Pay for the due amount. 

Step 4. The cashier will process your repayment. Wait for the stamped receipt that will serve as your proof of payment. 

GCash Loan Payment for GGives

GCash deducts your overdue GGives balance from your e-wallet automatically. But you may opt for advanced payments if you like. 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GGives

Step 4. Enter the loan amount you wish to repay. 

Step 5. Confirm your payment. 

Step 6. Wait for the notification that will serve as your payment receipt. 

GCash Loan Payment for GCredit

A GCredit Auto-Deduct feature lets you repay the minimum amount due from your GCash wallet. It automatically deducts your payment for the billing period. But you can use the GCash app, or you may visit any of the GCash payment partners. 

With GCash mobile app: 

Step 1. Log in to your GCash account.

Step 2. Select Borrow on the dashboard.

Step 3. Click GCredit

Step 4. Select Pay for GCredit in the dashboard. 

Step 5. Enter your repayment amount and click Next

Step 6. Check all the details and select Pay. Wait for the payment receipt. 

With Gcash partner outlet:

Step 1. Visit any GCash outlet. It can be BPI Payment Facility, Bayad Center, Metrobank, BDO, and BDO online banking. 

Step 2. Present your original loan agreement form.

Step 3. Pay for the due amount. 

Step 4. The cashier will process your repayment. Wait for the stamped receipt that will serve as your proof of payment. 

What is GScore?

gscore in gcash loan

GScore is your personal financial grade within the GCash app. It’s like a cool badge that shows how responsible and trustworthy you are with your finances. It is like a game where you earn points. If you have a higher GScore, you’ll look like a financial superstar in the eyes of GCash. It takes into account your overall financial behavior, transaction history, and account usage. 

If you secure a high GScore, you can enjoy various perks of the mobile app. You can unlock exclusive features like GLoan, GCredit, and GGives. Also, you can gain higher transaction limits. 

Don’t fret if you still have a low GScore. You can still enjoy the advantages if you do your best to increase your grade. 

What can I do to Increase GScore?

You can increase your GScore by simply using the various features of the GCash app. These are as follows:

Cash in. Maintain an active e-wallet balance. Continuously adding more funds to your account helps you increase your score. 

Money transfer. Send funds to your family and friends. The higher amount you send to another GCash user, the higher your GScore will be. 

Bills payment. Pay your bills with the GCash app instead of Bayad Centers. Regular payments of SSS, Pag-IBIG, Meralco, PLDT, Globe, and other utility bills add to your score. 

Pay using QR codes with partner merchants. QR code transactions are reflected in your payment history. Thus, it adds up to your record that will be assessed. 

Save with GSave. GSave does not only assist you with your GScore, but It is GCash savings account with zero fees, high interest rates, and free insurance. 

Avail with GCredit. If you have a GCredit account, it will indicate your payment habit. So pay your due balance on time and in full amount diligently. 

Where to Find GScore?

You can check your current GScore with these steps. 

Step 1. Log in to your GCash account. 

Step 2. Click Profile in your GCash app.

Step 3. Click GScore

Step 4. View your GScore. 

What else can I Do with GCash?

There are a handful of financial activities you can do with GCash. Aside from getting loans, you can make different transactions. 

Send and Receive Money 

You can send money to your family, friends, or other GCash users and bank accounts. At the same time, you can receive fund transfers from them, too. 

Buy Mobile Load

Reload your own number and others as well. You may even start your own business as a reloading station with GCash. 

Pay Bills

Avoid long queues and later payments with GCash bill payments. You can pay your utility bills, credit card bills, loans, and government dues. 

Online Shopping

Whether your e-wallet has funds or not, you can continue shopping. GCash loan online allows you to make purchases even though your GCash wallet runs low. 

Begin Investment

Dip your toes into the overwhelming world of investment. You may start growing your wealth as low as Php 50. 

Save More

Save money with your digital wallet and watch your funds grow over time. Open a savings account so you can deposit and withdraw your cash anytime.

Cash In and Cash Out

Maximize the flexibility of cash in and cash out from partner establishments nationwide. Load your GCash wallet through bank transfer, remittance center, and selected partner outlets. Withdraw your funds through ATMs and partner establishments. 

GCash keeps getting better and better. It adds new features and partnerships that make your financial management more convenient. 


GCash is a revolutionary access to extra quick cash. With your mobile phone, you can apply for a loan, receive the funds, and spend it instantly. On top of that, you can save and pay your other financial obligations by visiting a traditional bank. However convenient it may seem, GCash loan review always faces regular maintenance that affects accessibility. When this happens, you might need a backup plan for your finances. 

With Cash Mart, you can take out a personal loan in minutes, anytime, anywhere. Check out their official website and see more of the loan products and services they offer. 

Frequently Asked Questions

What is the minimum GScore required for GLoan?

You can qualify for a GLoan with a minimum score of 80. If you have less than that, you can still apply if you increase your GScore. Nevertheless, you must still have a fully verified GCash account to be eligible for a GCash loan. 

When will my GCash Loan application be approved?

You will immediately know if your GLoan application gets approval. A confirmation prompt will appear on your phone. Also, you will receive a confirmation message in your email or via SMS. Then, the loan cash will be reflected in your GCash wallet. 

Is there a minimum amount to borrow for first-time borrowers?

The loan amount greatly depends on your GScore and eligibility. If you have a high GScore, even if you’re a first-time applicant, you can still be granted a high loan amount at a low-interest rate. 

Can I use my GCredit to pay for my GLoan balance?

No. You can only pay your GLoan with your e-wallet balance. Meanwhile, you can only use your GCredit for partner merchants. 

Where can I check my GCash Loan status?

You can instantly know the status of your loan application after clicking submit. 

What to do if I don’t receive my cash loan from GCash?

GLoan processing time takes 24 hours. You may file a ticket if your quick cash does not reflect on your wallet after 24 hours of approval. Go to GCash Customer Protect immediately and click Submit a Ticket. 

Can I pay my GCash loan in advance?

Yes. You will not incur fees for paying ahead of time. Instead, you’ll receive an interest cashback equivalent. It comes from the total interest amount that you have not incurred yet. 

For example, you have a loan payable in 6 months. You paid the loan amount in the fourth month. You will have a cashback equivalent to the two months’ interest that has not been incurred yet. At the same time, you improve your GScore of early repayment.