How do I borrow load?
GCash Borrow Load lets you get prepaid mobile or broadband promos even when your GCash balance is zero.
Jump to:
- Who can Borrow Load
- What to know about Borrow Load
- How to activate and use Borrow Load
- How to repay Borrow Load
- Get Help with Borrow Load
Who can Borrow Load
Borrow Load is currently offered to selected GCash users. If you qualify, GCash will send you an SMS.
To be eligible, you must:
- Be 21 to 65 years old
- Be a Filipino citizen
- Be a Fully Verified GCash user
- Have a good credit record with no fraudulent transactions
What to know about Borrow Load
You can borrow load up to your credit limit and have up to three (3) active loans at the same time, depending on your eligibility.
On the Borrow Load page, you’ll see:
- Your total amount available to borrow
- The number of loans you can still avail
Note:
Borrow Load has a processing fee based on your chosen product and load amount, on top of your load’s fee/s.
How to activate and use Borrow Load
Before borrowing, activate Borrow Load first:
- Open your GCash app.
- Tap Load > Borrow Load.
- Tap Activate.
- Review your details and agree to the Terms and Conditions
- Tap Start Borrowing.
To borrow load:
- Open your GCash app, then tap Load > Borrow Load.
- Select the load amount or offer you want to borrow.
- Fill in the required details, then tap Next.
- Choose a promo, then tap Borrow Load.
- On the payment page, make sure Borrow (not GCash) is selected as the payment method.
- Read and agree to the Terms and Conditions, then tap Confirm.
How to repay Borrow Load
To repay Borrow Load:
- Open your GCash app, then tap Load > Borrow Load.
- Tap Pay Now.
- Enter the amount you want to pay, then tap Next.
- Review the details and tap Pay.
Your payment will be reflected within 24 hours.
Your active Borrow Load loans are shown in the Borrow Load dashboard:
- The loan with the nearest due date is shown first so you can avoid penalties.
- Each loan is due 1 month from the date you availed it.
- On the due date, GCash will auto-deduct from your GCash wallet until the full amount is paid. You’ll get an SMS after each auto-deduction.
- For late payments, a 2.5% penalty fee based on your loan amount will be charged 1 day, 31 days, and 61 days after the due date.
Get Help with Borrow Load
You might have:
- Reached your maximum number of loans, or
- Reached your maximum borrowable amount
Pay your existing loan/s, then wait 24 hours before trying again.
If you still can’t borrow due to an error message, click here to ask for help.
Your borrow transaction may fail if you still have an active service or promo that cannot co-exist with the Borrow Load offer you’re trying to register to.
Some load products or terms may vary based on your GCash tenure and usage and may change over time as we improve Borrow Load.
If you were charged but did not receive load:
- Check if the transaction appears in your GCash transaction history.
- Confirm that you entered the correct mobile number.
If everything looks correct and you still didn’t receive the load you borrowed, click here to ask for help
If you received a different load amount or promo than what you purchased on Borrow Load, click here to ask for help.
Each time you avail a Borrow Load offer, you’ll be charged the price plus processing fee. Multiple charges may mean the offer was availed multiple times.
If you think you were wrongfully charged, click here to ask for help.
Once you pay for your Borrow Load, you cannot cancel the transaction or change the mobile number used. GCash cannot refund your payment.
You may pay your total amount due early if you want to close your loan ahead of time.
Note: All fees in the transaction, including the one-time processing fee, are non-refundable.