How to calculate the total cost of a loan
Work out cash received, fees and total repayment in pesos. Use a clear example to compare loan costs before accepting an offer.
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Loan guides for the Philippines
The full collection of money guides. Find answers on fees, GCash and what to prepare before you borrow.
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Use the loan cost calculator →12 guides
Credit line vs installment loan: what changes after repayment?
Understand reusable credit limits, repayment schedules and principal restoration, with a peso example and questions to ask before reborrowing.
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Before you apply for a loan: a five-question checklist
Check the provider, cash received, repayment dates, permissions and support channels before submitting a loan application in the Philippines.
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GLoan not available? How to check your GCash eligibility
No GLoan offer in GCash? Check your dashboard, account details and existing dues. Understand eligibility reviews without paying anyone to unlock a loan.
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Online loan requirements in the Philippines: what to prepare
Prepare a provider-specific checklist for ID, account details and income evidence. Learn why a short document list is not guaranteed approval.
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Can you get a loan without a bank account in the Philippines?
Some providers support other receiving channels. Learn what to verify about wallet access, account ownership, fees and repayments before applying.
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Loan processing fees: why cash received can be lower
Understand deducted fees, separately paid charges and net proceeds. Compare a ₱5,000 example without counting the same fee twice.
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Flat vs reducing-balance interest: compare the calculation
See why the same stated rate can produce different peso costs, using a simple equal-principal example rather than a misleading rate conversion.
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Does a 0% interest loan still have fees?
Check a zero-interest offer for deductions, compulsory fees and payment conditions. A clear peso example shows why 0% may not mean zero cost.
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How to check a lending company in the Philippines
Match the legal company, authority details and official app or website. Learn why a registration screenshot is not enough to verify a lender.
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Loan app permissions: what to check before sharing data
Review camera, contacts and document requests, understand their stated purpose and find official Philippine privacy guidance before applying.
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GLoan vs GGives vs GCredit: cash, installments or credit line?
Compare GLoan cash borrowing, GGives installments and GCredit payments. Check current limits, interest, eligibility and where each GCash feature can be used.
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