To unlock your GCredit, you must meet the following eligibility requirements:

• Fully Verified GCash profile
• At least 21 years old
• High GScore on GCash App

Once your GScore is high enough, you will be allowed to apply for GCredit! You can check your current GScore by opening the menu from the GCash dashboard and tapping GScore. Click here for more information on how to view your GScore.

To increase your GScore, simply make GCash and GCredit transactions regularly!

GCredit is only available to Fully Verified GCash users with high GScores! Once your GScore is high enough, you will be allowed to unlock GCredit.

Once you are already eligible to unlock your mobile credit line, you may apply for GCredit by tapping Manage Credit on the GCash app to proceed with your application. Approval for your credit line is instant with no additional requirements!

Simply accomplish your GCredit application to start enjoying your mobile credit line as a payment option to Pay QR, Pay Bills, and Pay Online! Click here for more information on the GCredit application process.

For online purchases, you may use your GCredit as a backup payment method for Google Playstore and Apple App store when you have insufficient GCash balance to cover your purchase. For one time payments, GCredit is currently available as a payment method on Shopee.

You may also use GCredit as a payment option to Pay Bills in the GCash app and Pay QR with our partner merchants nationwide! Click here for more information on where you can use GCredit.

No. The full amount will be charged to your GCredit account if you used GCredit as your payment option for the transaction.

You will be charged interest a day after your purchase date onwards. No interest will be charged if you purchased and repaid the borrowed amount on the same day. Interest fees for GCredit are pro-rated which means that you get to enjoy lower interest the earlier you pay!