How to see GCash loan requirements

Digital financial tools like GCash have made personal lending more accessible for millions of Filipinos.

With features such as GCredit and GGives, users can now borrow money without the traditional paperwork or waiting periods often associated with banks.

However, many users are unaware that these services are not available to everyone by default.

One of the most common reasons users struggle to access GCash loan features is a lack of understanding about the requirements. GCash does not advertise its loan conditions in a conventional way.

Instead, eligibility is based on internal metrics and user behavior, which can make it difficult to know exactly what is needed to qualify.

Learning how to view these requirements within the app and understanding what factors influence eligibility is essential to improving your chances of loan approval.

It also helps you avoid frustration and wasted time searching for options that may not be available to you yet.

Where to View GCash Loan Requirements Inside the App

GCash does not display a dedicated “requirements” page like many banks do. Instead, requirements are integrated into the loan application flow for each product.

Users will only see the loan options and corresponding criteria once they are deemed eligible by the system.

To find and understand the requirements, follow these steps:

• Open the GCash app and log in securely.
• Tap the “Borrow” icon on the home screen.
• If you are eligible, you will see either GCredit, GGives, or both.
• Tap the product to access its details and view relevant information, including your available credit limit, repayment terms, and eligibility indicators.

If you don’t see the “Borrow” section or either loan product, it likely means you haven’t met the internal requirements yet.

In this case, GCash will not display any further information until you become eligible.

GCash’s requirements are dynamic and are tied to your behavior within the platform, which is assessed using a proprietary scoring system called GScore.

Core Requirements to Qualify for GCash Loans

Although GCash does not publicly list fixed criteria, based on usage patterns and official guidance, several common requirements must be met before users can access loan services.

These apply to both GCredit and GGives and are monitored continuously by the system.

To qualify for GCash loans, users must meet the following:

• Full Account Verification: Submit a valid government-issued ID and complete facial verification via the app.
• Active GCash Usage: Use the app regularly for services like bill payments, load purchases, money transfers, and QR code transactions.
• Positive Financial Behavior: Consistently complete transactions and avoid rejected payments or bounced transactions.
• High GScore: Maintain a good internal credit score by using GCash features regularly and responsibly.
• No History of Fraud or Suspicious Activity: Accounts flagged for violations or unusual behavior may be restricted.

The platform does not require you to present payslips, employment certificates, or bank statements — which sets it apart from traditional loan providers. However, meeting these digital usage-based criteria is just as crucial.

What Is GScore and Why It Matters

The GScore is a unique scoring system developed by GCash to evaluate how trustworthy and financially responsible a user is.

Unlike credit scores from credit bureaus, the GScore is based exclusively on your activities within the GCash ecosystem.

Your GScore increases when you:

• Pay bills through GCash regularly
• Repay GCredit or GGives loans on time
• Keep your account active with frequent transactions
• Avoid failed or cancelled payments

As your GScore rises, you may gain access to higher loan amounts, lower interest rates, and better installment terms.

Conversely, inactivity or late payments can reduce your GScore and lead to a loss of access to loan features altogether.

How to Improve Your Eligibility Over Time

If you currently cannot see loan options in your GCash app, it’s likely due to a low GScore or insufficient activity.

Fortunately, eligibility is not permanent. You can improve your chances of qualifying by developing consistent app usage habits and maintaining good financial behavior.

Steps to improve eligibility include:

• Using GCash for bill payments and mobile top-ups regularly
• Linking GCash to apps like PayPal or e-commerce platforms
• Avoiding late payments if you already have access to GCredit or GGives
• Keeping your app updated and your profile information complete

Over time, these habits demonstrate reliability to the GCash system and can help you meet the hidden requirements that unlock loan features.

When to Contact Support About Loan Requirements

In some cases, users may feel they’ve met all the requirements but still can’t access the loan options.

If this happens, and you’ve verified your account and maintained regular app activity, it may be worthwhile to contact GCash support for clarification.

You can reach GCash through the following official channels:

• 📞 Hotline (Globe/TM): Dial 2882
• 📞 Other Networks: Call (02) 7213-9999
• 📧 Email: [email protected]
• 🌐 Help Center: https://help.gcash.com

Providing complete information, such as your account details and a description of the issue, will help their support team assess your status and provide accurate feedback.

❓ Frequently Asked Questions

Why don’t I see the loan option in my GCash app?
If the “Borrow” section is missing, your GScore may be too low, or your account may not meet the activity requirements.

Can I view loan requirements before becoming eligible?
No. GCash only displays loan details after you meet internal criteria. Focus on increasing your GScore to unlock them.

Is GScore the only requirement?
It’s a major factor, but full account verification and regular app use also contribute to loan eligibility.

How often is my eligibility reviewed?
Your GScore and account behavior are monitored continuously. You can become eligible at any time based on usage.

Can I ask GCash for my GScore?
GCash doesn’t display the exact GScore publicly. Instead, eligibility indicators are shown through loan access in the app.