Start with what the money needs to do

The three features solve different jobs even though all appear in GCash. Use GLoan when the relevant offer is a cash loan paid to your GCash wallet. Use GGives only for an eligible purchase at a participating store. GCredit is a reusable credit line for supported merchant, bill and online payments; it is not described by GCash as a cash-out loan.

Published GCash feature information checked 4 September 2026. Your app offer and disclosure statement control.

  • Cash loan

    GLoan

    Main use
    Approved cash goes to the GCash wallet
    Published amount or limit
    Check the personal offer. Two current official pages state different maxima: ₱125,000 and ₱150,000.
    Repayment and cost basis
    1–24 months; 1.59%–6.99% monthly interest plus a 3%–5% processing fee deducted from proceeds
    Where to check
    Borrow → GLoan

    A past loan, high GScore or long account history does not guarantee another offer

  • Purchase loan paid in installments

    GGives

    Main use
    Eligible purchases at participating stores
    Published amount or limit
    ₱1,000–₱125,000
    Repayment and cost basis
    2–24 months; offer-dependent 0%–5.49% monthly interest
    Where to check
    Borrow → GGives

    It cannot be assumed to provide cash, and 0% is not available to everyone

  • Reusable credit line powered by CIMB

    GCredit

    Main use
    Supported merchant, bill and online payments
    Published amount or limit
    Up to ₱50,000
    Repayment and cost basis
    5%–7% monthly rate calculated by days used under the cited guidance; check the current statement for the amount due and due date
    Where to check
    Borrow → GCredit

    It cannot be assumed to support cash-out or every purchase

Do not compare the headline percentages as if they mean the same thing

GLoan can combine monthly interest with an upfront processing-fee deduction, so the cash received may be lower than the stated amount. GGives is tied to an installment purchase and its 0%–5.49% range depends on the offer. GCredit interest is described as accruing according to the amount and days used; that day-based interest treatment is not the same structure as a fixed-term cash loan.

Write down the usable amount, every deduction, the full scheduled repayments, any compulsory fee paid separately and the payment dates. The same percentage can produce a different peso cost when the calculation base, timing or fee treatment changes. HiramGuide does not label one feature cheapest from these headline ranges.

All three live in one GCash app, but eligibility is separate

There are not three separate official product apps to download. Open the official GCash app and use Borrow to check the relevant dashboard. GCash states that a verified account, high GScore, long use or previous borrowing does not by itself guarantee an offer. GCash Overseas accounts using international mobile numbers cannot access these features under the cited eligibility guidance.

If one feature appears and another does not, a third-party site cannot activate it or speed up the review. Check the individual dashboard and use official GCash support when the app information is unclear. Never share an MPIN or one-time password with someone offering to unlock a feature.

Use the offer, not this table, for the final numbers

The published ranges help explain structure; they are not your quote. Read the disclosure statement shown before accepting a loan or purchase. For GCredit, read the current statement and supported-use guidance. For GLoan and GGives, check the exact amount, term, deductions and installment schedule displayed for your account.

When you have the peso amounts, the HiramGuide calculator can compare net proceeds with all payments. Its monthly-rate mode can illustrate flat and fixed-payment reducing-balance methods, but it does not reproduce GCash’s personal schedule, calculate EIR or decide which product suits you.