Frequently Asked Questions

Frequently Asked Questions

About GCredit
GCredit is a credit limit available on the GCash app which may be used as a another payment source for your purchases. You can have a credit limit that you may use again every time you pay off a purchase with the corresponding interest.
You can use GCredit as a payment source for GCash QR transactions in Ayala Malls and partner merchants such as Puregold, Robinsons, and SM!
The first step to become eligible for GCredit is to be a fully verified customer of GCash! Customers would also have to meet the required trust score and pass our credit evaluation parameters. Try to increase your trust score by continuously using your GCash account and provide the necessary documents to become eligible for GCredit!

No GCash app? Download it now!
No, you can only have 1 GCredit limit at a time. Also, if you have an existing loan with Fuse Lending, you cannot avail of GCredit.
Increase your credit limit by having a good payment history and by submitting additional requirements when prompted.
You can use your GCredit via the Pay QR option in your GCash App in leading stores in Ayala Malls and partner merchants such as Puregold, Robinson and SM Malls, etc. You may view the full list of GCredit enabled establishments here.

Application Process
Just open your GCash app and tap ‘Manage Credit’. Once you’ve met all pre-qualifications needed, simply proceed with your application by reviewing your personal information and filling other personal fields. Once submitted, our evaluation process will start.
No need to submit any documents since all customers will go through a verification process in GCash.
Yes. As of now, to be able to apply for GCredit, you must have a Globe Number.

Approval Process
You will receive an SMS and e-mail notification based on the details you provided during the application process.
Just follow the instructions in the SMS and email. You’ll be able to use GCredit in no time!
We will notify you once you’re eligible for an increase in credit line. Just a tip: A good payment history may increase your chances in having a better GCredit.
Yes, you may re-apply. However, kindly note that you will have to meet all requirements before you can be approved of a GCredit.

Payment Process
You need to pay for your GCredit, within 15 days after your billing date. We will also send a Statement of Account (SOA) to your registered e-mail address on your billing date as a reference. We will also notify that we have sent your SOA via SMS.
To know how much you have to pay, you may refer to your monthly Statement of Account that we send on your registered e-mail address, SMS notifications, and on the “Manage Credit” icon in the GCash app.
The interest rate is a maximum of 5% per 30 days of your used credit limit. Note that the interest rate is prorated.

Example: For a credit limit of Php 1,000, the maximum interest charges for 30 days is Php 50 only!
You can pay for your GCredit ensuring that you have enough balance to cover for your due amount. You may either cash-in through a GCash Partner Outlet or transfer funds to your GCash from your BPI, RCBC or PayPal account. You may opt to have the amount due automatically debited from your wallet on your due date or make a payment via the GCash app by going to the ‘Manage Credit’ page in app.
Yes! You can pay for your GCredit before your due date by clicking on the ‘Make a Payment’ button inside the GCash app, under the Manage Credit page. This will also replenish your GCredit available limit right away.
You may make a partial payment on your due date. However, this means that you will incur penalties and additional interest charges. This also means that your GCredit will be suspended until you pay off your total amount due.
You will incur penalties and additional interest charges based on how many days has passed since your due date. The table below can guide you accordingly:

Days Late Penalty ChargesInterest Charges
1 - 30 Php 2005% of unpaid due principal for every 30 days missed
31 - 60 Php 500
61 - 90 Php 900
91+ Php 1500


You can pay for your GCredit after your due date by clicking on the ‘Make a Payment’ button inside the GCash app, under the Manage Credit icon. This will also replenish your GCredit available limit right away!

GCredit   Powered by Fuse Lending Inc.

© 2018 Fuse Lending. All Rights Reserved.

GCredit   Powered by Fuse Lending Inc.

© 2018 Fuse Lending. All Rights Reserved.