Easy loans for a brighter future

Let’s face it – life can be unpredictable. We've all had moments when we need a little financial help for unexpected bills, major life plans, or simply making ends meet during a tight month. In 2021, nearly half of Filipino adults had outstanding loans, but only 2 out of 10 had access to banks and legit financial services. The rest were left dealing with high-interest loans from less-than-reliable sources.

Luckily, popular finance app GCash has made it easier for Filipinos to navigate loans with its lending arm, FUSE Lending. GCash now has a suite of lending products that are designed to make borrowing simpler and more convenient for Filipinos. Its trust score system, called the GScore, rates a user on how often they use the app. The higher your GScore, the more GCash perks will be available to you!

GCash lending options at your fingertips

Did you know that GCash has become a trusted source of affordable loans for Filipinos? According to the company, it has distributed more than Php 50 billion in loans by the end of 2022. Thanks to its lending choices—GGives, GCredit, GLoan, and most recently, Sakto Loans —GCash has made fair and easy credit accessible especially to the underserved. Here's why these choices appeal to borrowers in the Philippines.

GGives takes the stress out of big purchases

If you have bigger purchases but can't cover the full cost upfront, GGives can help cover the bill.  GGives breaks free from traditional installment plans; there are no long applications, extra documents, or down payments needed. With a credit limit of up to Php 125,000, you can purchase online, or in-person using the app and spread the payments up to 24 months. This year, borrowers can enjoy a 0% interest rate for selected merchants.

GGives is perfect for big-ticket items like a new gadget, appliances, gift purchases, or even furniture. It can also be used to cover house repairs or unexpected medical expenses.

GLoan, your business partner in expansion and growth

Boost your business profit with the help of GLoan’s instant cash and speedy loan approval. Eligible users can secure up to Php 125,000 with just a few taps in their GCash app. Entrepreneurs will appreciate GLoan’s instant approval feature. There is no extra paperwork required, and your cash loan lands in your e-wallet within seconds.

Try GGives if you wish to expand your business’ product range or site improvement or renovations.

GCredit, your convenient credit safety net

Bridge your cash gaps with your very own credit line in GCredit. All you need to do is register within the GCash app. With flexible interest terms, you can reduce your payment by settling your bill early—start with as little as 10% on the due date, plus interest. Enjoy a generous credit limit of up to Php 50,000.

Use your GCredit for grocery shopping, utility or medical bills, emergency repairs, or even school supplies for kids.

Sakto sa halaga, sakto sa bulsa

Sakto Loans certainly lives up to its name. Those who are eligible can borrow for as little as P100 up to P1000, which may be used for purchases online or in-person. There is no interest in payment; you simply pay the processing fee upon loan application. You can also set the payment date that is most beneficial to you.

“Sakto Loans is an extension of our existing products...but think of it as entry loan” Baby Aquino, Chief Product and Strategy officer of FUSE Lending explains. “Para ito sa mga hindi pa eligible manghiram ng malalaking amount pero may pangangailangan na.”

Sakto Loans are best used for daily transport costs, weekly grocery runs, utility bills, minor home repairs, and other unexpected expenses.

GCash wants to change the way people perceive borrowing money by simplifying the process and making it fair and affordable. “We know at the heart of financial inclusion is providing access to credit when people need it the most” Martha Sazon, CEO of GCash says. "We want to give more opportunities to Filipinos to achieve their financial goals and reach their dreams”.

Keep using GCash regularly to become eligible to use GGives, GCredit, GLoan, and Sakto Loans! Visit the GCash Help Center to learn more.

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