GCash GCredit: Activation, Interest & Payments

What is GCash GCredit? How much can you borrow? What’s the interest rate?

If you want to know the answers for these, then this post is for you!

Read the article below so you’ll know everything there is to know about GCredit.

It’s important that you read this first before even applying for it. So, without further ado, let’s start.

What is GCredit in GCash?

GCredit in GCash is your personal credit line. It’s powered by CIMB Bank which is one of the leading digital banks in the Philippines today.

In today’s world where it’s hard to borrow money from banks, GCredit makes the process easy and straightforward.

With GCredit, you can get these following features:

  • Credit Limit of up to ₱30,000
  • 3% Interest Rates
  • Easy application
  • Pay to 17,500 merchants and billers
  • The earlier you pay, the lower the interest rate
  • Hassle-free repayment
  • After repayment, you can borrow money again!

As you can see, if you already have a fully verified GCash account, you can easily apply for GCredit. But before that, you need to have a certain GScore.

How to Activate GCredit (Step-by-step Guide)

To apply for GCredit, the process is easy and simple.

First, you need to have a fully verified GCash account and you’ve reached a certain GScore.

If you can access the Manage Credit tab, you can already apply for it.

Here are the steps:

Step 1: Open GCash and tap “Show More”.

GCash GCredit 1

Step 2: Scroll down and under Financial Services, select “Manage Credit”.

GCash GCredit 2

Step 3: Then, GCash will ask you to confirm the email address and tap Next.

GCash GCredit 3

Step 4: Next, you’ll review the personal information you gave when you registered for GCash. Hit Next.

Step 5: Here, you need to input your other personal details. After that, tap Next.

Step 6: Lastly, you’ll review every information you’ve submitted and you’ll need to check the Terms and Conditions and Privacy Consent Boxes. After that, tap “Submit”.

Step 7: If you’ve followed all the steps correctly, you should see a message saying that your GCredit Application was successful. You’ll also receive a text message and an email from GCash with the total credit limit and your interest rate.

That’s how easy it is to apply for GCredit in GCash! To manage your credit, simply open your GCash > Tap the Menu > GScore > Manage Credit.

You can use your GCredit with the following options:

  • Pay bills
  • Bank transfers
  • Send money
  • Invest Money
  • Book Movies
  • Cash Out/Withdraw as cash (If you have a sizeable GCash balance)
  • Shop online
  • Buy in-store with over 63,000 GCash merchants nationwide

To use GCredit with the options above, simply select GCredit as your preferred payment option.

How to Transfer GCredit to GCash?

Unfortunately, you can’t transfer your GCredit balance to GCash.

Since GCredit can only be used to pay for goods and services in GCash and through GCash merchants.

Unlike a credit card where you can apply for credit-to-cash, this isn’t possible with GCredit.

However, there’s a new feature in GCash called GCash Loans where you can borrow money which you can use as cash!

As of now, they’re slowly rolling it out and it’s only available for pre-qualified customers.

Make sure to use various features of GCash to be eligible for this!

How Much GScore Do You Need to Unlock GCredit?

GCash doesn’t provide a specific score that you need to unlock GCredit.

They only say that you need to keep using the app to increase your credit score.

But based on our experience and observation with other users, we unlocked GCredit at around 600 credit score.

This seems to be the case with other users as well.

But the only sure-fire way to be able to unlock GCredit is to use GCash services more such as:

  • Cash in
  • Pay QR
  • Pay Bills
  • Invest
  • Save
  • And more

But you can also try submitting a ticket in the GCash help center to get help on how you can unlock GCredit.

Try to ask them what you should do and how they can help you to unlock it.

This may not be a sure-fire method but it’s still worth the effort.

How to Increase GCredit in GCash?

GCash GScore

GScore is the trust rating GCash computes based on your activities on your account. The way this works is that you can only use GCredit after reaching a certain score.

You can check your score GScore today by tapping the menu tab > GScore. If you can tap the “Manage Credit” it means that you’ve already unlocked GCash but you still need to apply to use it.

Lastly, the higher your GScore is, the higher your credit line will be and the lower the interest would be as well. Plus, you can get exclusive perks and benefits! So, just how can you increase your GScore? Here are the things you can do:

  • Use GCredit always
  • Pay your dues on time
  • Use these features: Cash In, Pay QR, Pay Bills, Invest, Save and more!
  • Update your GCash app

GCredit Limits

As far as we know, GCash says on their website that they can offer up to ₱30,000 credit limit with interest rates as low as 3%.

This is if your GScore is high and you don’t have any unpaid dues.

But normally, GCash offers ₱10,000 credit limit with 5% interest rates to average users who’ve just unlocked GCredit. But if you pay earlier, you can get lower interest rates.

For instance, you borrowed ₱10,000 today and you’ll pay it in 5 days.

If the interest rate is 5%, then the total amount you’ll just pay back is ₱10,066.67. The interest rate that’s been applied here is only 0.00667.

But if you pay the loan back in 30 days, the total amount is ₱10,500.

If you want to compute your interest, here’s the formula: Amount Borrowed X Interest Rate X # Of Days Borrowed/30 Days.

How to Pay GCredit in GCash?

If you want to pay back your GCredit, you first need to have sufficient GCash balance.

You can cash-in using a variety of ways such as other e-wallets, banks, over-the-counter and more.

Step 1: Select the “Manage Credit” tab in your dashboard.

How to pay GCredit 1

Step 2: You should see the breakdown of your unpaid charges, interest due, penalties if any and the total amount due. Tap “Pay for GCredit”

How to pay GCredit 1

Step 3: Enter the amount you want to pay and hit next

Step 4: Then, follow the instructions and you’re done!

How to use GCredit to Pay Bills?

One of the main features of GCredit is it allows users to pay their bills.

With this service, people can easily pay their bills on time whenever they need to.

To do this, you simply need to follow these steps:

Step 1: Open your GCash app and go to Pay Bills

Step 2: Select the bill that you want to pay from different categories

Step 3: Enter the required details depending on the bill such as the account number, name, amount, and more.

Step 4: Select the GCredit option as the payment source

Step 5: Confirm your payment

How to Pay Credit Card Using GCredit?

Paying your credit card using GCash is simple.

It follows the same steps as the section above.

Here are the steps:

Step 1: Open your GCash app and tap “Pay Bills”

How to pay credit card using GCredit 1

Step 2: Select Credit Cards from the categories

How to pay credit card using GCredit 2

Step 3: Choose your credit card from the list or search for it

Step 4: Input the required details like the account number/card number, account name, amount and email

How to pay credit card using GCredit 3

Step 5: Select GCredit as the payment source

Step 6: Confirm your details

How to Deactivate GCredit?

Once you’ve unlocked GCredit, you can’t turn it off.

However, if you don’t want to use it, then you can just leave it be.

It won’t accumulate any interest or you don’t have to pay any annual fees like credit cards unless you have used it to pay for something.

But if you want to deactivate it for a specific reason, then you can email wecare@fuselending.com using the email you registered for your billing.

You just need to ask them to cancel your GCredit and they will do so.

How to Use GCredit to Bank Transfer?

You can’t use GCredit to do bank transfers.

GCredit only allows users to pay for goods and services through GCash.

It doesn’t provide the user with cash that they can use for anything they like including bank transfers.

But there’s a new service from GCash that allows users to do this which is the GLoan.

What is the GCredit Hotline?

If you have concerns regarding GCredit, you can call their hotline – 2882.

You can also submit a ticket in the Help Center.

Related: GCash Help Center: 5 Ways to Reach Them


Can I transfer GCredit to GCash?

Technically, when you have GCredit, it can already be used to pay bills and do other things! You don’t have to transfer it to use it. Instead, you can use GLoan to get funds that you can use as it will be credited to your GCash balance.

Can I withdraw GCredit?

Technically, you can’t. GCredit is only a credit line that lets you pay for goods and services in GCash and GCash merchants.

But we’ve found a way to withdraw GCredit to cash using Shopee and Grab.

Can I use GCash Mastercard for GCredit?

No, GCash mastercard is a reloadable prepaid card. It’s not connected to your GCredit so you can’t use it to pay for bills using credit. You can use your GCash Mastercard as a debit card so you can withdraw from any ATM, for online payments and for in-store purchases.

How to use GCash Credit to buy load?

No, you can’t use GCredit to buy load. GCredit can only be used to pay for bills in the GCash app and through partner merchants.

Where can I use GCredit in GCash?

You can use it to pay bills inside the GCash app such as electricity, credit cards, water, internet service, loans and more. You can also use it with GCash partner merchants nationwide to pay for products and services without any cash.

Here’s the list of all GCredit partner merchants nationwide: GCREDIT LIST OF MERCHANTS NATIONWIDE FOR BILLERS

What happens if I don’t use my GCredit?

There’s no penalty or interest that you’ll incur when you don’t use GCredit. That’s assuming that you don’t have any outstanding debt. If you’ve activated GCredit and you don’t want to use it, then you can just leave it be.

What happens if I don’t pay GCredit?

If you don’t pay your dues on time, your GScore will decrease. But if you don’t pay it indefinitely, your credit line may lead to suspension. This means you won’t be able to use GCredit anymore.


GCredit by GCash makes it easy to borrow money especially during these difficult times.

Just be sure to borrow responsibly which means to pay back your dues on time!

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