Can I apply for a GLoan?
GLoan is a pre-qualified loan offered to select users only, allowing to borrow money and receive loan in your GCash wallet within 24 hours after your application.
To unlock GLoan, keep using GCash services such as Pay Bills, Buy Load, Cash In, Send Money, GInsure, and GInvest.
GCash checks your eligibility weekly, pwede kang mag-qualify sa susunod na linggo.
Other GLoan Requirements:
✓ A Fully Verified GCash user
✓ Filipino citizenship
✓ Valid government ID
✓ At least 21 years old
✓ Verified GCash email address
GLoan offers and approvals are subject to evaluation and are not guaranteed, even if you fulfill the minimum requirements above.
On the GCash homepage, tap Borrow > GLoan. If you’re eligible, you’ll see a loan offer amount available to you. But if you’re not eligible, you’ll see some tips on how to unlock GLoan.
If not eligible for GLoan
Once you tap Borrow > GLoan from the GCash homepage, you will be led to this screen.
To unlock GLoan, keep using GCash features like Pay Bills, Buy Load, Cash In, Send Money, GInsure, and GInvest. GCash checks your eligibility every week, so you could qualify to apply for GLoan as soon as the next week.
If you are eligible for GLoan
If you are eligible for GLoan, you will receive an SMS. Once you tap Borrow > GLoan from the GCash homepage, you will be led to this screen. Select Get Started at the bottom of your screen to start your loan application.
Steps to avail of a GLoan
Follow the steps below to start using GLoan:
- Read through the GLoan information > Get Started
- Input your loan amount, select your purpose of loan, and tap Get this Loan
- Review your loan terms, then tap Continue
- Complete your personal information and tap Next
- Review your GLoan application, then tap Continue
- Agree to the Disclosure Statement and the Terms and Conditions of the Loan. Tap Continue
- Check the amount you will receive from GCash. Select Continue
- Enter the 6-digit authentication code sent to your GCash-registered mobile number.
Once you finish your application, you’ll receive your loan in your GCash wallet within 24 hours. You’ll get a confirmation through SMS and your registered GCash email.
If you have more questions or concerns with eligibility, click here to ask for help. A customer service representative will contact you within 1-2 working days.
Q: I’ve been using GCash for many years already and yet, I am not eligible. Why is that?
A: Thank you for being a loyal GCash user! GLoan offers are based on several factors such as your GScore, overall account activity, and system evaluation. While long-term usage is valuable, it does not automatically guarantee eligibility. Your account is reviewed regularly, and eligibility may change over time.
Q: I was eligible before, but now I’m not. Why?
A: GLoan availability can change depending on your latest system assessment. This does not mean you are permanently ineligible — your eligibility is reviewed regularly, and the offer may return.
Q: My GScore is high, but why am I still not eligible?
A: GScore is only one of the many factors considered in evaluating your GLoan eligibility. The system also reviews your usage patterns, repayment history, and other internal criteria. A high GScore does not guarantee an offer. GLoan is currently offered only to pre-selected users. You’ll know you’re eligible if you receive an SMS from us.
Q: Is there a way to unlock GLoan eligibility faster?
A: GLoan offers are system-generated and cannot be manually unlocked or expedited. The best way to increase your chances is to stay active on GCash and keep your account information updated.
Q: Why do others have a lower GScore than I do, but they are eligible and I’m not?
A: Every user has a different profile. GLoan eligibility considers more than just GScore — including various other system-evaluated factors. Rest assured, your account is reviewed regularly.
Q: Why is my GLoan limit low? Can I request to increase it?
A: Your GLoan credit limit is auto-generated based on your account profile and system evaluation. It cannot be manually adjusted. However, good repayment behavior and continued account activity may help your limit increase over time.
Q: Why did my GLoan credit limit change or not increase even though I pay on time?
A: Thank you for paying on time! While repayment behavior is important, your credit limit is affected by several other factors evaluated by the system. Your profile is reviewed periodically, so your limit may still improve.
Q: I have multiple GCash mobile numbers. Why can’t I apply for GLoan using my other numbers?
A: GLoan is limited to one active account per user. If you have multiple GCash numbers, you can only access or apply for GLoan through the number linked to your current loan. If you’re getting an error when using another number, it may be because you still have an active GLoan tied to a different account. To apply using a new number, please fully settle your existing loan first.
Q: I’ve been using GCash actively, so why is it still hard to become eligible for GLoan?
A: We understand your concern. GLoan eligibility is determined by multiple dynamic factors beyond app usage duration. Remaining active and maintaining good account standing increases your chances of being selected.
Need more Help?
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