Tag: GCredit

Dahil deserve mo magbakasyon: Book now, Pay Later, and Get the best deals
Summer has officially arrived, and while the heat can be overwhelming, planning your dream vacation shouldn’t add to the stress—especially when finding the budget to book that much-awaited and well-deserved trip. Whether you’re planning a fun getaway with your barkada or a relaxing family vacation, you can make your summer travel dreams a reality all through the help of your finance super app.

Woman checking the fight number on cellphone at the airport

GCash offers its installment product GGives and credit line GCredit to help you travel now and pay later. GGives allows eligible users to pay for big-ticket items of up to PHP 125,000 with zero downpayment, allowing you to book now and spread out your installments across 24 months. If you prefer the flexibility of a credit line, GCredit provides an instant credit line of up to PHP 50,000, depending on your eligibility.

If your vacation plans aren’t set in stone yet, GCash empowers you to go on that well-deserved getaway without the upfront cost so you don’t have to wait or sacrifice for your dream vacation. To make your getaway a reality, here are some of the services you can pay for using GGives and GCredit:
- Land and Sea Transportation: Pay for bus tickets using GGives and GCredit on Victory Liner, Partas, and SolidNorth, and for road trips, use toll road RFID services like AutoSweep and EasyTrip. For sea travel, book tickets with 2GO Travel, OceanJet, SuperCat, 12GO, and FastCat. Tickets can be purchased directly through the merchants’ portals or via biyaheroes.com, iwantseats.com, and bustickets.ph, where you’ll be able to pay later using GGives and GCredit.
- Air Travel: For air travel, GCash makes flying a breeze with its partnerships with Cebu Pacific, Air Asia, and Philippine Airlines. GCash makes planning domestic travel easy with instant credit and flexible payment options, allowing you to book now and pay later with GGives and GCredit.
- Accommodations: Finding the perfect place to stay is easy when you can book through trusted partners like Agoda and Airbnb, and pay in installments using GGives. Agoda offers a variety of hotels and resorts to suit your needs, while Airbnb provides unique vacation rentals for a more personalized experience, catering to different preferences and budgets.
- Activities: Make your trip even more memorable by booking exciting experiences through Klook, and pay later using GCredit or GGives. Whether you’re looking for guided tours, thrilling adventures, or cultural experiences, Klook offers a wide selection to make your vacation even more memorable.
Get Exclusive Travel Deals with GCredit and GGives

To make your vacation even more rewarding, GCredit and GGives offer exclusive travel promos that help you make the most out of your getaway. Whether you’re heading home for a long weekend or planning that dream vacation, GCash not only simplifies the entire travel process but also makes it easy to find the best deals.

Be sure to follow GCash’s official channels and watch out for upcoming promos designed to make your travel experience even better.

If you’re eligible, you can activate GGives by going to “Borrow” then clicking “GGives”. Fill out the quick application form, and once you’re activated, you’ll see your available credit limit! Note that your offer is subject to regular evaluation. To activate GCredit, go to “Borrow” then click “GCredit.” Fill out your details, complete your registration, and submit to view your credit limit.

If you still find yourself hesitating because of travel costs, think again—dahil tuloy ang travel goals! With GGives and GCredit, you can travel now and pay later, making your well-deserved break more attainable than ever. Whether it’s a weekend getaway or an international trip, GCash’s convenient services and exclusive promos make it easy to plan, book, and enjoy a stress-free vacation. Kaya Pala with GGives and GCredit!

Access GCredit and GGives through your GCash dashboard or find them under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery.
March 25, 2025
Filipino families poised to overcome rising price levels this back-to-school season

With the back-to-school season nearing, Philippine youth groups are questioning the impending tuition increase in select state universities, colleges, and private schools nationwide. This fee hike looms even while the country’s inflation rate remains high at 6.1%, as the Philippine Statistics Authority (PSA) reported in June 2023.

As more and more Filipino families feel the weight of the tuition hike, the Philippines’ #1 e-wallet app, GCash, offers several solutions to make paying for schooling-related fees more affordable and less stressful.

“We understand that with the upcoming school year’s tuition hike paired in parallel with the country’s high inflation rates, Filipino families are starting to view back-to-school expenses as an added struggle. It is exactly why we continue to maintain our lending solutions to be as accessible as possible,” Zo Canaria, Head of Growth Marketing at FUSE Lending Inc. underscored. “The more solutions we can offer to ease Filipinos of financial burden, the more lives we can help elevate.”

The Philippines has been accustomed to the stigma that comes with borrowing money. In fact, the Bangko Sentral ng Pilipinas’ 2021 Financial Inclusion Report found that 50% of Filipino adults perceive borrowing from formal institutions to be “difficult” due to income and documentation requirements upon application.

GCash is working to change this belief by offering readily-available lending solutions for different financial needs, allowing users to view loans as an effective tool in achieving their goals while staying within their means.

As of the first quarter of 2023, 2.8 million Filipino users have loaned via GCash, 35% of which are business owners who use the loan to grow their businesses. Still, it remains to be a little-known fact that aspiring borrowers may also apply for a loan to fund their or their children’s education.

Here are some of the ways that GCash’s borrowing solutions, may be used for schooling-related purposes:

Affording tuition and school-related fees via GLoan

With the Coordinating Council of Private Educational Associations (COCOPEA) expecting a tuition hike average of 3-4% in some private schools this year, parents and sponsors might opt to secure a loan to continue funding their child’s education.

With GLoan, eligible borrowers may loan up to Php 125,000, instantly sent to their e-wallet within 24 hours. Canaria emphasized, “Education is essential, and people loan for it all the time — whether through friends and family, banks, or even academic offerings. What makes GLoan superior to all other options is its ease of access and flexibility upon application, while still leveraging on the credibility and the security of the GCash app.”

Embracing hybrid learning with the right tools via GGives

To keep up with the times, many schools have also transitioned to a more modern way of learning. In fact, the Department of Education in a recent statement said that they are in search of ways to promote the use of technology in education, suggesting the long-term implementation of digital or hybrid learning arrangements. Through GGives, borrowers may acquire new laptops and tablets in over 110,000 merchants, and pay for it in installments. Canaria shared, “Materials that can effectively support students’ schooling experience have transformed. We understand that this is a costly shift for most Filipinos and funds for gadgets are hard to come by, and this is one of the reasons why GGives specifically allows partial payments of up to 24 months with zero down payments.”

Paying for supplies and day-to-day essentials via GCredit

Even as the inflation rate eased as reported by PSA, Filipinos are still experiencing the effects of the Philippine peso weakening at a concerning rate. This has made careful budgeting for school supplies, snacks, allowance, and daily commute fees more difficult.

GCredit, Powered by CIMB, has a readily available credit line built to support eligible users in times like these, enabling borrowers with a limit of up to Php 50,000 at a pro-rated interest rate. Canaria said, “Because of price hikes everywhere, the feeling of ‘being stuck in a tight spot’ is becoming more and more pronounced nowadays. With classes either back to face-to-face or transitioning to hybrid, GCredit can help users manage daily expenses more confidently. It has a wide range of merchants for every need, from lifestyle and food to transportation and groceries.”

“We at GCash have always believed that education is a right for all Filipinos, not just a privilege, and these lending solutions are our way of making this right more apparent for our fellow countrymen. As the leading e-wallet app in the market, providing easy access to extra funds and empowering users with resources that bolster their growth is our duty to the 70 million users we serve,” Canaria concluded.

To be eligible for GLoan, GGives, and GCredit, users must have a fully verified GCash profile and must continue using GCash and its services, such as maintaining a high wallet balance, regularly cashing in and paying your dues early or on time.

Access GCredit through your GCash dashboard or find it under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery! Kaya mo, i-GCash mo!

August 15, 2023
Wala pang sahod? The Petsa de Peligro timeline and how to navigate each phase

‘Petsa de Peligro’, the one term that sends shivers down the spines of hardworking Pinoys who have to wait for their payrolls once or twice a month. In Spanish, Petsa de Peligro literally means ‘day of danger’ or the day before payday when one already has run out of money. But for some, petsa de peligro lasts not just a day but sometimes weeks in between paychecks.

Just like any stressful life event, there are certain stages you go through during Petsa de Peligro. But wherever you are in the typical Petsa de Peligro timeline, your favorite e-wallet, GCash, has your back. Whether payday is a few days or hours away, or even when it gets delayed, sagot ka ng GCredit powered by CIMB because you can still pay for your bills and everyday expenses.

Petsa de Peligro may be a struggle for most Filipinos, but there are different ways to manage your finances using GCredit so you could make it through payday:

Two days after your sahod: The Sense of Doom

For some, Petsa de Peligro creeps in the moment you pay off your bills, buy your groceries, or make big purchases. By this time, the feeling of being short in cash isn’t yet blowing up in your face but you already feel a sense of impending doom.

It’s tempting to shy away but you need to know how much you have left and how much you can spend so you can manage your finances better. With an always-ready credit line like GCredit, you can stock up on groceries, toiletries and other essentials to get you by.

One week before the next sahod: The Budol Moment

This is usually the same time as when some of your friends invite you for coffee or a weekend getaway, and the same time your inner self says “Deserve mo naman” every time you see a budol.

With GCredit, you don’t have to wait until the next payday to treat yourself for all the hard work. You can use it to get yourself a hearty dinner during days when you need a pick-me-up, buy chips and drinks for that barkada beach trip or snag that online purchase you deserve – and pay for them later.

Five days before the next sahod: The Lifestyle Bargain

By this time, you’re already considering trading off your current lifestyle in an attempt to stave off further damage. This is the perfect time to explore cheaper alternatives and make small changes that can accumulate significant savings to help you get through the next payday.

Instead of your usual fancy coffee drink, you can check out other coffee brands. Instead of saying yes to every lunch out, you can do meal prep ahead and bring your baon to work. Whether you want to discover new coffee places or buy necessary ingredients to cut down on additional cost, you can manage your finances even further with the help of GCredit.

Three days before the next sahod: The Scavenger Hunt

So near yet so far – the last few days before payday may feel like the longest time of your life.

It’s valid to feel distressed, but it’s also the time to bring out your diskarte and last-minute hacks. Be extra alert for discounts and deals, scour your kitchen for canned food you may have forgotten, charm your way to get a free meal from one of your colleagues or simply use GCredit to cover unexpected expenses!

One day before the next sahod (or unfortunately, when it arrives late): The Waiting Game

Finally, you have come to terms with your situation. The waiting game might be excruciating, but you can bounce back and everything will eventually work out in your favor because you can always use GCredit to get you out of your tight spot.

GCredit, powered by CIMB, is an always-ready credit line by GCash that can be used to pay for select bills, as well as products and services in-store and online. With a limit of up to Php 50,000 pesos, GCredit can help you get by without missing the due dates of your monthly bills and provide you with immediate funds for errands and groceries. GCredit is a credit line that can be used for bills payment, online buys, and in-store QR purchases to cover everyday expenses.

If you’re an eligible GCash user, you don’t need to disclose your income and submit supporting documents and collateral to apply for GCredit. Once you get approved, you can enjoy prorated interest, which means you may get charged lower interest if you pay earlier. To make your payment lighter, GCredit’s Minimum Amount Due also allows you to pay as low as 15% of your dues on your billing and/or due date.

How to Activate GCredit:

STEP 1: Log into your GCash account
STEP 2: Tap Borrow on the GCash Dashboard
STEP 3: Tap GCredit
STEP 4: Fill out the GCredit form and tap “Submit”
STEP 5: Start using GCredit!

You can pay with GCredit for your next in-store purchase by scanning the QR code at the merchant’s cashier and selecting GCredit as the payment option. For online purchases, select GCash as your payment option upon checkout of your online transaction and tap GCredit as the payment option. For payment of select billers, use the Pay Bills service on your GCash app, choose your biller, fill in the necessary details, and choose GCredit as your Payment Source.

To be eligible for GLoan, GGives, and GCredit, you must have a fully verified GCash profile and must maintain a qualified GScore, which is the app’s trust rating reflecting their GCash activity. Increasing or maintaining your GScore can be done by maintaining an active GCash wallet balance, regularly using different GCash services, and paying dues early or on time.

Access GCredit through your GCash dashboard or find it under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery! Kaya mo, i-GCash mo!

About GCash

GCash (G-Xchange, Inc.) is the #1 Finance App in the Philippines. Through the GCash App, 76M registered users can easily purchase prepaid airtime; pay bills at over 1,800 partner billers nationwide; send and receive money anywhere in the Philippines, even to other bank accounts; purchase from over 5.2M partner merchants and social sellers; and get access to savings, credit, loans, insurance and invest money, and so much more, all at the convenience of their smartphones. GCash is a wholly-owned subsidiary of Mynt (Globe Fintech Innovations, Inc.), the first and only duacorn in the Philippines.

GCash was recognized by The Asian Banker (TAB) and by the IDC in 2021 for its outstanding digital financial inclusion programs.

May 5, 2023