GCash has become one of the most popular mobile wallets in the Philippines, offering more than just cashless payments. One of its most helpful features is GLoan, a built-in lending service that allows eligible users to borrow money instantly without going to a bank.
If you are considering applying for GLoan, one of the first questions you’ll likely ask is: “How much can I borrow?” Knowing your borrowing limit is important because it helps you plan your finances and avoid taking on more debt than you can handle.
What is GLoan?
Definition of GLoan
GLoan is a digital loan service inside the GCash app that provides instant cash disbursement directly to your GCash wallet. It’s designed for quick financial assistance without the need for extensive paperwork or physical visits to a bank.
Key Features and Benefits
- Fast approval and disbursement – Funds are credited immediately upon approval.
- Flexible repayment terms – Choose from different repayment periods to match your budget.
- No collateral required – GLoan is unsecured, meaning you don’t need to pledge any assets.
- Automatic deductions – Monthly repayments are automatically deducted from your GCash balance.
Difference Between GLoan and Other GCash Loan Services
Unlike GCredit, which functions like a revolving credit line, GLoan provides a lump sum cash amount with fixed terms and monthly repayments. It also differs from GGives, which is focused on installment purchases for partner merchants rather than direct cash loans.
How Much Can You Borrow With GLoan?
Minimum and Maximum Loan Amounts
For most users, the loanable amount ranges from ₱1,000 to ₱125,000 depending on eligibility. However, new users may start with smaller limits, such as ₱5,000 or ₱10,000, which can increase over time with good repayment history.
Factors That Affect Your GLoan Limit
- GCash profile level – Fully verified users with consistent activity typically qualify for higher limits.
- Credit score – GCash uses a credit scoring system based on your payment behavior and financial activity.
- Usage history – Regular use of GCash services like bills payment, transfers, and GSave may boost your eligibility.
Example Scenarios
- User A: Fully verified, active GCash user → ₱50,000 limit.
- User B: New GCash user with minimal transactions → ₱5,000 limit.
- User C: Consistent on-time GCredit payments → ₱75,000 limit.
How to Check Your GLoan Limit
Step-by-Step Guide
- Open the GCash app.
- Tap the GLoan icon on the dashboard.
- Your available loan amount will be displayed on the screen.
Tips to Increase Your Loan Limit
- Keep your GCash account fully verified.
- Use GCash services regularly (bills, send money, GSave).
- Pay your GLoan or GCredit dues on time or earlier.
How GLoan Interest Rates and Terms Work
Interest Rates
GLoan typically charges 1.59% to 6% per month, depending on your profile. The rate is fixed throughout the loan term, so you’ll know exactly how much to repay every month.
Repayment Periods
You can choose repayment terms between 3 to 12 months, giving you flexibility to manage payments based on your budget.
Loan Amount vs. Monthly Payment
For example, borrowing ₱10,000 at 3% monthly interest over 6 months would result in a monthly payment of approximately ₱1,783.
📊 Visual Example:
Loan Amount: ₱10,000
Interest Rate: 3% per month
Term: 6 months
Monthly Payment: ₱1,783
Requirements for GLoan Eligibility
To qualify for GLoan, you need:
- A fully verified GCash account.
- A good GScore (GCash’s internal credit score).
- Active use of GCash services.
- No outstanding overdue balances on GCash loans.
How to Apply for a GLoan
Step-by-Step Process
- Open GCash and tap on GLoan.
- Enter your desired loan amount and select a repayment term.
- Review the loan summary including interest and total repayment.
- Agree to the terms and conditions and tap “Proceed”.
- Wait for instant approval and check your wallet for the credited amount.
Approval Timeline and Disbursement
Approval is usually instant, and funds are disbursed to your GCash wallet within minutes.
How to Pay Your GLoan
Here are the simple steps to pay your GLoan inside the GCash app:
- Open the GCash app on your phone.
- On the dashboard, tap “GLoan”.
- You’ll see your active loan details. Tap “Pay for GLoan”.
- Enter the amount you want to pay (partial or full).
- Review the payment details and tap “Confirm”.
- Wait for the confirmation message—your payment is instantly applied.
Tips for Managing Your GLoan Responsibly
- Borrow only what you can repay to avoid financial strain.
- Pay on or before the due date to maintain a good GScore and qualify for higher limits.
- Avoid stacking multiple loans, as this can hurt your credit profile.
Is GLoan Safe To Use?
GLoan can be a helpful and legitimate tool for quick access to cash. Its official status, fast approval, and integration into GCash app are clear benefits. But be cautious: the high cost of interest, unpredictable re-loan policies, and occasionally unhelpful customer service underline the importance of borrowing responsibly.
Conclusion
GLoan provides a convenient way to access quick cash directly from your GCash wallet. The amount you can borrow depends on your verification level, credit score, and usage history. Starting small and paying on time helps you build trust with GCash, increasing your borrowing limits over time.
Use GLoan wisely—it can be a helpful financial tool when managed responsibly.
FAQs
1. What’s the maximum amount I can borrow with GLoan?
You can borrow up to ₱125,000, depending on your eligibility and credit score.
2. How can I increase my GLoan limit?
Maintain good repayment history, use GCash regularly, and keep your account fully verified.
3. Does GLoan affect my credit score?
Yes. On-time payments improve your GScore, while missed payments can lower it.
4. Can I apply for another GLoan if I haven’t finished paying the first one?
You need to settle your existing GLoan before applying for a new one.
5. How quickly will the money be credited after approval?
Funds are usually credited instantly to your GCash wallet.
6. How many GScore to unlock GLoan?
You usually need a GScore of around 600 or higher to unlock GLoan.
7. How many GScore to unlock GLoan?
Pay your GLoan on time, use GCash often, keep your account verified, and maintain a good GScore to increase your loan amount.
📌 Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Loan amounts, interest rates, and eligibility criteria may change depending on GCash policies. Always review terms before borrowing.
