GLoan Sakto Loan

GLoan Sakto is GCash's fast and easy cash loan solution where you can loan PHP 100 - PHP 300 instantly. If you are new to borrowing money, this is a good entry loan for you with its short payment terms and minimal fees. This cash loan is payable in 14 days only at 0% interest!

You can use your GLoan Sakto if you need extra cash to pay bills, purchase items from over 200,000 GCash partner merchants or you can also cash out your loan for additional funds on other essential purchases.

No need to apply because this is a pre-approved loan!

GLoan Sakto compared to GLoan

GLoan Sakto has a one-time processing fee of 6.5% of your loan amount for this service, and will be charged to you after the repayment period (14 days). GCash will send you repayment notifications on or before your due date.

Note: If you don't pay your loan on time, there is a late payment fee of 1% of your loaned amount, plus a variable fee equivalent to 0.15% of your outstanding balance that will be charged daily until you pay your total overdue loan balance.

Access GLoan Sakto

Customers will receive a message from GCash if they are eligible to avail GLoan Sakto. We encourage you to keep using GCash services such as cash in, pay bills, transfer money, GSave, GInvest, GInsure, and GLife to increase your GScore and unlock GLoan Sakto!

Your eligibility for GLoan Sakto may change from time to time due to periodic credit risk assessments. You may also get upgraded to a regular GLoan offer so don't forget to check the GLoan dashboard from time to time.

Eligibility for GLoan Sakto 

• You must be 21 to 65 years old
• You must be a Filipino citizen
• Your GCash profile is Fully Verified
• You have a good credit record and did not commit any fraudulent transactions
• You maintain a good GScore

GLoan Sakto might not be available to you for various reasons:

• You do not meet GLoan Sakto minimum eligibility requirements
• GLoan Sakto is not available for your account
• You can only have regular GLoan or GLoan Sakto available for you. You won't be able to access both products at the same time.
• You already have an existing GLoan or GLoan Sakto. You can only have 1 GLoan or GLoan Sakto at a time

Avail a GLoan Sakto

Customers will receive a message from GCash if they are eligible to avail  GLoan Sakto. 

You can avail a GLoan Sakto in just a few taps with your GCash account! Access GLoan Sakto by tapping Borrow > GLoan in the GCash app. Input and confirm your loan details and expect the loan amount to be sent to your GCash wallet within 24 hours.

Note: Customers are only allowed to apply for one GLoan Sakto at a time. Pay your GLoan Sakto in full as soon as possible so you can avail another GLoan Sakto. You may avail of a GLoan Sakto as long as you are eligible, regardless of your dues with other products such as GCredit or GGives.

If you have multiple GCash accounts for different mobile numbers, only one of your mobile numbers can be eligible for GLoan Sakto. Once activated, you can only use GLoan Sakto in the account connected with that mobile number.

GLoan Sakto Payment

Your GLoan Sakto will be due 14 days from the date you took out the loan. The exact due date will be specified in your GLoan Dashboard. Please pay your GLoan Sakto on or before the due date to avoid late payment fees. Learn how to pay your GLoan Sakto dues.

You may pay your GLoan Sakto in advance through the GLoan dashboard in the GCash app. You can check the total amount that you need to pay through your amortization schedule or by referring to the total amount due in your GLoan Dashboard.

Paying early boosts your chances of getting a better GScore -- the better your GScore, the more you can borrow at better terms. You can get a chance to access regular GLoan or unlock other lending features in GCash. If you want to know more about GScore, please visit GScore

Learn more about how to read your GLoan Sakto Disclosure Statement that provides details about your availment of the loan. Learn more about the breakdown of your dues and your GLoan Sakto balance.

Need more help?

Your eligibility for GLoan Sakto may change from time to time based on your GCash activity and is subject to credit risk rules and policies.

We encourage you to keep using GCash services such as cash-in, pay bills, send money, GSave, GInvest, GInsure, GLife, and Buy Load to unlock GLoan Sakto again.