How GCredit Works

I’d like to live a cashless life. Seriously, I mentioned to my husband last month that I will only use GCASH or PayPal for any transactions or my UnionBank EON (this is not a sponsored post, btw). But seriously! I hate bringing cash, and I think we will be able to live our lives without cash. I want to challenge myself and I think I will be able to survive a week without cash. I will start tomorrow and I hope you can follow my journey starting tomorrow! I will document it via my Facebook ( and Instagram stories (

Today though, I’ll be sharing with you this new feature of GCASH (again, this isn’t a sponsored post). Just found cool that they have this!

As you may know, GCASH is a produce under a company called Mynt. Aside from GCASH, Fuse lending (a micro-lending company) is under Mynt. So these two basically combined forces to launch GCredit. GCredit is a credit limit available on the GCASH app which may be used for your payments and purchases. Example, after scanning  the QR codes of your favorite merchant, the app will ask you if you will pay via your GCASH money or GCredit.

You will need to activate your GCredit first and this “activation” is available when you use your GCASH app frequently for purchasing, loading and paying bills.

Now, how do you compute for interest. It’s very straight forward: [amount borrowed x 5% interest rate x (# of days borrowed / 30 days)].

You’re credit limit can be increased based on frequency and amount of transactions that you make. Credit limit starts at Php 1000 and can increase to Php 30,000.

Check out this feature and let me know your thoughts on this! 🙂

For more information, you can visit this:



  1. June 14, 2018 / 7:30 pm

    safe to use po ba ito?
    anyway thanks another options din ito.

    • June 15, 2018 / 7:58 pm

      Yes, this is safe to use 🙂 You’re welcome!

  2. Neb Pascua
    June 15, 2018 / 7:33 pm

    Thank you for the blog. Learned a lot.

  3. June 16, 2018 / 2:20 pm

    Thanks for this Ginger! Ganda! So this is a Credit Card capabilities of Gcash. Interest rate applies when you dont get to pay within30 days Very informative!

  4. chay
    June 24, 2018 / 11:49 am

    hi can i use my husband’s gcredit?

    • June 24, 2018 / 2:29 pm

      Hi Chay! I guess if he allows you to use it. “Credit” will be under the account holder. 🙂

  5. Anvil
    August 22, 2018 / 12:24 am

    How many GScore do you need to activate GCredit?
    I currently have 509, but it’s still saying not available.
    Please advise.

    • August 23, 2018 / 4:16 pm

      Hi Anvil! 🙂 I checked with them and right now, since GCredit is still on beta phase. Only selected users have access to the product. Beta phase means that the company is still testing out the product across different kinds of users from specific areas. Don’t worry though! They mentioned that soon more and more users will be having access once the product is off beta. Just keep on using GCash to increase your GScore and be eligible for GCredit! 🙂

  6. Rosemarie Ramos
    October 14, 2018 / 7:56 am

    pwede bang Icash out ang GCredit limit parang credit card cash advance?

    • October 15, 2018 / 9:38 am

      Hi Rosemarie! I think diretsyo lang sya to purchase something 🙂 Can’t be withdrawn as cash 🙂

  7. larry dimakiling
    October 15, 2018 / 2:21 pm

    pwede b ko mag grocery s supermarkets using gcredit? kng pwede ppano?

    • October 15, 2018 / 4:55 pm

      Pwede basta they accept GCash as payment 🙂 so when you scan the QR code, the app will ask how would you like to pay. You can choose GCredit 🙂

  8. J
    October 15, 2018 / 2:34 pm

    Hi! This is very helpful as I was just approved for GCredit!
    If magbayad ako ng mas maaga, babalik ba agad ‘yung limit ko?

    • Tj
      October 22, 2018 / 6:18 pm

      Yes. Babalik siya agad.

    • J
      October 30, 2018 / 11:17 am

      Yes, kaka-try ko lang. Bumalik siya agad kahit hindi pa tapos billing period. So bale interest na lang babayaran mo sa due date.

  9. tina lagonoy
    November 25, 2018 / 10:08 pm

    Hello! Good day. Bakit po hindi nag iincrease yung gscore ko? Lagi naman ako nagloload and pay bills. Ano pong problem dun?

    • November 28, 2018 / 9:47 am

      Maybe you can message the GCASH team 🙂 Dapat it should increase 🙂

  10. chemai
    November 29, 2018 / 12:03 am

    hi pwd bang i send ang gcrdit money mo sa other gcash account?tnx

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