GCash Borrow Load
GCash Borrow Load allows you to instantly get prepaid load promos for mobile or broadband use, even with zero balance payable in 14 days with a minimal processing fee.
Jump to:
- Eligibility for Borrow Load
- Activate Borrow Load
- How to Avail Borrow Load
- Borrow Load Products
- How to Use Borrow Load
- How to Repay Borrow Load
- Help with Borrow Load
Eligibility for Borrow Load
Note: Borrow Load is only available to select GCash users. You will receive a message from GCash if you are eligible for Borrow Load. We encourage you to keep using GCash services such as Cash-in, Pay Bills, Transfer Money, GSave, GInvest, GInsure, and GLife to unlock Borrow Load.
To be eligible for Borrow Load, you must meet the following requirements:
- 21 to 65 years old
- You must be a Filipino citizen
- You must be a Fully Verified GCash user
- You must have a good credit record and did not commit any fraudulent transactions
- Your eligibility is subject to credit risk rules and policies
- You must not have an active Borrow Load promo.
- If you have an existing Borrow Load promo, you need to settle it first before you can avail of another one.
How to Activate Borrow Load
Note: Borrow Load is only available to select GCash users. You will receive a message from GCash if you are eligible for Borrow Load.
To learn how to activate your Borrow Load, check out the steps below:
- On your GCash app, tap Load > Borrow Load
- Select Activate
- Review your personal details and agree to the Terms and Conditions. Tap Start Borrowing
You’ll be led to a page that confirms the successful activation of your Borrow Load.
Borrow Load Products
GLOBE
| Product | Inclusions | Validity | Repayment Date |
| GOEXTRA99 | 8GB data for all sites + Unli texts and calls to all networks | 7 days | 14 days after availing promo |
| GO+99 | Now with 5G and NEW discount vouchers! Choose between 8GB of 5G for all sites or 8GB for your choice of apps. Get this plus 8GB for all sites, unli texts to all networks, and NEW discount vouchers. | 7 days | 14 days after availing promo |
To check the full list of available promos, open the Load icon on the GCash app and tap Borrow.
SMART
| Product | Inclusions | Validity | Repayment Date |
| NEW POWER ALL 99 | 8GB shareable data for all sites & apps + Unli TikTok every day + Unli Allnet texts for 7 days | 7 days | 14 days after availing promo |
| ALL DATA 99 | 6GB shareable data for all sites | 7 days | 14 days after availing promo |
To check the full list of available promos, open the Load icon on the GCash app and tap Borrow.
How to Use Borrow Load
Note: A PHP 10.00 processing fee applies each time you borrow load, plus any load convenience fees.
Follow the steps below to use a Borrow Load promo:
To learn how to activate your Borrow Load, check out the steps below:
- On your GCash app, tap Load > Borrow Load
- Select the load you want to borrow
- Fill in all the details and tap Next
- Pick a promo and tap Borrow Load
Make sure the “Borrow” option is selected. Agree to the Terms and Conditions. Select Confirm
How to Repay Borrow Load
Note: For late payments, a penalty fee of 2.5% of the outstanding principal balance will be charged 1 day after the due date, 31 days after the due date, and 61 days after the due date.
Follow the steps below to repay your Borrow Load promo:
- On your GCash app, tap Load > Borrow Load
- Tap Pay
- Enter the amount you wish to pay and tap Next
- Review the payment details and tap Pay
Note: If you still have pending dues, auto-deduction will start on your due date until full settlement of your total amount due. An SMS notification will be sent to you after each auto-deduction to your GCash wallet.
We highly recommend that you initiate payment of your GLoan dues via the Borrow Load page to ensure timely payment.
Your payment will be reflected within 24 hours after making the transaction. If after 24 hours the payment is still not reflected, you may file a ticket in the GCash Help Center.
Need more help?
It may be because you have an existing borrow load promo. You can't avail of more than one borrow load promo at a time.
If you can't borrow load due to an error message, please click here to report the issue.
If you have received an error message that the load you borrowed was not successful, this may be because you still have an active service that can't co-exist with the Borrow Load service that you're trying to register to.
Customers may also see different terms depending on their GCash tenure, GScore, and usage. This may change as we continuously develop the Borrow Load service.
If you made a purchase but did not receive the load, please check the following:
- Review if the transaction is reflected in your Transaction History
- Check if you inputted the correct mobile number
- If you still need help, click here to ask for help
If you received an incorrect load credit than the amount you purchased, please click here to report this and ask for help.
If you avail more than once, then you will also be charged more than once with the relevant Borrow Load price and processing fee based on the number of times you avail.
If you have been charged more than once, then you may have availed of a borrow load offer multiple times.
If you think you have been wrongfully charged, click here to report this and ask for help.
Learn about how you can settle your dues for Borrow Load here.