GCash GLoan – loan
GCash GLoan up to ₱125,000 with instant approval, no documents needed
Applying does not commit you to any contract.
GCash GLoan is a cash loan embedded in the GCash app, powered by Fuse Financing Inc. and regulated by the SEC. Eligible users can borrow from ₱1,000 to ₱125,000 at an interest rate of 1.59% to 6.57% per month, depending on their GScore. A 3% processing fee is deducted upfront at disbursement. With over 87 million registered GCash users, GLoan is one of the most accessible loan products in the Philippines.
The application takes about 10 steps inside the GCash app, under the "Borrow" section. No payslips, no credit history, no collateral. Eligibility is determined by your GScore, which is calculated from your GCash transaction history, wallet usage, and payment behavior. Funds go directly into your GCash wallet — immediately after approval.
Repayment is done through the app as well. Late payments affect your GScore and can reduce your future borrowing limit. The GLoan is best for GCash-active users who need fast access to cash. Compare the rate against other online lenders before accepting — 1.59% per month is competitive for unsecured digital loans, but adds up for longer terms.
✓ Pros
- Instant approval for eligible GCash users
- No documents or collateral required
- Up to ₱125,000 available to high-GScore users
- Fully managed inside the GCash app
✗ Cons
- 3% processing fee deducted upfront
- Rate up to 6.57% per month for lower GScore
- Not available to all GCash users — GScore-based
Loan example
Example: Borrow ₱10,000 for 6 months at 1.59% per month = approx. ₱1,799 monthly payment. Total repayable: ₱10,793 + ₱300 processing fee.
Loan requirements
- ✓ Active GCash account with transaction history
- ✓ Age 18 and above
- ✓ Philippine mobile number registered to GCash
- ✓ Sufficient GScore as determined by GCash algorithm
Loan features
- Loan amounts: ₱1,000 to ₱125,000
- Interest: 1.59%–6.57% per month
- 3% processing fee deducted at disbursement
- Instant disbursement to GCash wallet
- Repayment via GCash app
Frequently asked questions
Instant after submitting the application.
The minimum amount at GCash GLoan is ₱1K.