GCash users can buy now and pay later directly from their favorite international e-commerce sites and book travel services using their existing GCredit and GGives limits. The credit line can be used to complete purchases without needing a credit card or even a GCash wallet balance. This program instantly activates the credit limits at checkout, offering predictable repayment terms and flexible financing options directly through the merchant's payment portal.

‍

Supported Global Online Merchants

The program is currently active across international brands in retail, travel, and digital entertainment. GCash users can utilize their GCredit and GGives at the following platforms:

• Retail & Fashion: SHEIN, Temu, AliExpress, Cider, Pop Mart, Sephora Digital SEA
• Travel & Accommodations: Agoda, Airbnb, Trip.com, Booking.com, AirAsia Com Travel, HK Express
• Digital Services & Entertainment: Spotify, Steam, TikTok Shop, Garena, Epic Games, Canva

‍

Eligibility and Setup

There is no separate application process or registration fee required to use this feature. Eligibility is entirely tied to the current account status within the GCash app:

• If a user has an active, pre-approved limit for GCredit or GGives, these payment features are automatically enabled for cross-border transactions.
• The available balance will dynamically appear as a payment method during checkout on partner sites, provided the account remains in good standing.

‍

Loan Terms

Depending on the transaction size and budget preferences, users can choose to pay later with GCredit as a revolving credit line or pay in installments with GGives.

‍

‍

GCredit: Short-Term Revolving Credit Line

• Credit Limits: Available for transactions ranging from PHP 1,000 up to PHP 50,000 (subject to the personal approved limit).
• Interest Rates: Rates begin at 5% monthly, calculated based on an affordable 0.17% daily interest 
• Fees: ZERO Downpayment, ZERO Processing Fees

‍

GGives: Structured Monthly Installments

• Credit Limits: Applicable for larger purchases from PHP 500 up to PHP 125,000.
• Installment Tenor: Selectable tenors of 1, 2, 6, 9, 12, 15, 18, or 24 months.
• Interest Rates: Fixed monthly interest rates range from 0% to 5.49%, determined by the individual user profile and GCash behavior.

‍

Downpayment: ZERO Downpayment