GCASH GUIDE: What is GCredit and How to Use it (Pay Online, Pay Bills)

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This is your comprehensive guide for GCash's GCredit.

What is GCredit?

GCredit gives you a credit line of up to PHP 30,000 that allows you to instantly pay for your online transactions and your essentials at a later date to over 17,500 stores and billers with no additional requirements needed.

A credit line allows you to borrow money anytime to complete your online transactions. With a credit line, you will only need to pay for the amount you borrowed and your interest dues. Unlike a loan, you can have continuous and repeated access to your credit line, for up to a certain credit limit, as long as you pay your credit dues on time.

Where can I use GCredit?

You can use GCredit to purchase your essentials, pay for your online transactions and pay bills. There are a number of ways you can use GCredit on GCash.

You can use GCredit to pay for your transactions in Pay Bills, Pay Online, Pay QR and GLife. Here are the ways you can transact using GCredit:

Pay Bills
Pay Online
Pay QR
Purchase in GLife
Backup Payment Option for Google Playstore and Apple Store purchases

Who is eligible for GCredit?

You are eligible to start using GCredit when you are qualified for all the requirements below:

You are 21 to 65 years old
You are a Filipino citizen
You have fully-verified your GCash account

Visit How do I get Fully Verified? to learn how to fully verify your GCash account.

You have a good financial record and did not commit any fraudulent/financial transactions
You maintain a good GScore

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How to apply for GCredit?

Watch this video guide on how to apply for GCredit:

How can I activate GCredit?

If you are eligible to apply for GCredit, follow these steps:

STEP 1: Launch the GCash App

STEP 2: Tap GCredit

STEP 3: Check if your email address is correct then tap Next

STEP 4: Review your Personal Information on our system then tap Next

STEP 5: Input your Other Personal Details such as your gender and civil status

Note: You may also opt to input your Other Mobile Number, Landline Number, and TIN Number.

STEP 6: Input details of your Emergency Contact:

Tip: Your Emergency Contact can be a parent or your spouse. This person will be contacted when we are unable to reach you

First Name, Middle Name, and Last Name of your emergency contact
Contact Number of your emergency contact
Your Family Relation to the emergency contact

STEP 7: Review your GCredit Application

Tip: Ensure that the details provided are correct and accurate such as your name, birth date, and address.

STEP 8: Tap Submit after reviewing your GCredit Application

A confirmation screen will appear showing that your GCredit Application was successful.

Your request will be processed and you will receive an SMS message within 1-3 business days when your GCredit application has been approved.

Once your application has been approved, you will now be able to use GCredit as a payment option when you Pay QR, Pay Bills, Shop Online, or purchase in GLife.

When you apply for GCredit and you receive an SMS from GCash asking you to update your account, visit Why is GCash asking me to update my account?

Where can I view my GCredit Limit?

Your GCredit Limit increases based on your GCredit Activity, your GScore and how much you’re spending using GCredit.

Visit What is a GScore? to learn how to increase your GScore.

Always use GCredit in your transactions such as Pay Bills, Pay QR, Shop Online, and GLife to increase your GCredit Limit.

Once you are eligible for a higher GCredit Limit, GCredit will notify you via SMS.

Your GCredit Limit will increase automatically and you can view your new GCredit Limit on your GCredit Dashboard.

How can I use GCredit to Pay Online?

You can use GCredit to Pay Online with our partners such as Shopee, Zalora, GMovies, AirAsia, Datablitz, BeautyMnl.

To use GCredit to Pay Online with our partners, follow these steps:

STEP 1: Launch our partner’s app

STEP 2: Upon checkout, select GCash as your Payment Method

STEP 3: Login to your GCash Account

STEP 4: Enter your GCash MPIN

STEP 5: Choose GCredit as your payment option

STEP 6: You receive an SMS confirmation that your Pay Online Transaction has been successful.

Here’s a summary on how to use GCredit for Pay Online:

How can I use GCredit to Pay Bills?

You can use GCredit to pay your bills in the GCash App! You may find our list of partner billers here.

To use GCredit to Pay Bills, follow these steps:

STEP 1: Launch the GCash App

STEP 2: Tap Pay Bills in the GCash dashboard

STEP 3: Select the Biller Category of the biller your want to pay

STEP 4: Choose the biller you want to pay

The biller must have "Also accepts GCredit"

STEP 5: Enter your Account details, amount to be paid and your email address

STEP 6: Choose GCredit as your Payment Source

STEP 7: You receive a confirmation that your Pay Bills Transaction has been successful. Tap anywhere to continue using GCash

Here is a summary on how to use GCredit for Pay Bills:

How do I pay my GCredit dues?

There are two ways to pay for your GCredit Dues:

Paying in full for lower interest charges
Paying with Minimum Amount Due and having higher accumulated interest charges

You can pay your GCredit dues in three ways. Click which is most convenient for you:

Pay through the GCash App
Pay through the GCredit Auto-Deduct feature
Pay through GCash payment partners

Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!

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