Eligibility: This promotion is open to selected GLoan borrowers (the "Referrer") who have received a promotional SMS, Push Notification (PN), or App Inbox Message containing their unique referral code.
Referral Reward Mechanics: As a Referrer, you will earn a reward for each successful referral, provided all of the following conditions are met:
You share your unique referral code – alphanumeric code with prefix GFF (e.g., GFFXXXXXX) – with a prospective user (the "Referred User") who is eligible for GLoan.
The Referred User is a strictly first-time GLoan borrower with no previous GLoan transactions.
The Referred User avails of a GLoan with a minimum amount of PHP 1,000. This minimum loan amount requirement must be met in a single GLoan transaction (accumulated loan amounts are not valid). Your referral incentive will be calculated based on their final loan amount.
Loan Amount
Referral Incentive
P 1,000 - P 4,999
P 50
P 5,000 - P 9,999
P 100
>= P 10,000
P 200
The Referred User successfully inputs your unique referral code in the “Referral Code” field during their GLoan application on the GCash app within the promo period.
The Referred User successfully pays their first scheduled installment in full on or before their first due date.
Reward Crediting
The referral incentive will be credited directly to your GCash e-wallet within five (5) business days after the Referred User’s full payment of their first installment is successfully posted.
To successfully receive the reward, you must remain eligible for GLoan, and all of your active GLoan accounts must remain in good credit standing (no past due balances) at the time of reward crediting. Reward will be forfeited if any active GLoan account is past due at the time of reward crediting.
You may refer as many friends as you like. However, you can only earn rewards from maximum 20 successful referrals during the promo period. Any subsequent referrals beyond this threshold shall not be eligible for incentives.
This referral reward is strictly non-transferable.
You will be notified via SMS through your registered GCash mobile number once your reward has been successfully credited to your GCash e-wallet.
II. REFERRED NEW USER INCENTIVE
Eligibility: To qualify as a Referred User, you must be an eligible GLoan user and a strictly first-time borrower who has not previously availed of a GLoan (of any amount) prior to the promo period.
Welcome Reward Mechanics: As a Referred User, you are eligible to receive a one-time welcome reward, provided all of the following conditions are met:
You apply for a GLoan and input the Referrer’s unique referral code – alphanumeric code with prefix GFF (e.g., GFFXXXXXX) – in the “Referral Code” field during your application within the promo period.
You borrow a minimum of PHP 1,000. This minimum loan amount requirement must be met in a single GLoan transaction (accumulated loan amounts are not valid). Your welcome reward will be based on your final loan amount.
Loan Amount
Referral Incentive
P 1,000 - P 4,999
P 50
P 5,000 - P 9,999
P 100
>= P 10,000
P 200
You successfully pay your first scheduled installment in full on or before your due date.
Reward Crediting
The welcome reward will be credited directly to your GCash e-wallet within five (5) business days following the successful posting of your first scheduled installment's full payment.
This welcome reward is strictly non-transferable.
You will be notified via SMS through your registered GCash mobile number once your reward has been successfully credited to your GCash e-wallet.
By applying a referral code and participating in this Promotion, the Referred User agrees and authorizes GCash and Fuse to share select transaction details with their designated Referrer for the sole purpose of validating referral eligibility and tracking promo incentive release.
III. GENERAL TERMS AND CONDITIONS
Notifications regarding this promotion will only be sent through official and verified GCash communication channels. Please be reminded that GCash will never ask for your One-Time PIN (OTP) or MPIN to qualify for or claim rewards under this promo.
This promotion cannot be used in conjunction with any other existing GLoan promotions, discounts, rebates, or incentive programs. In the event that a user qualifies for multiple concurrent offers, only one (1) promo incentive may be awarded per eligible transaction.
Employees of GCash are not qualified from participating in or claiming rewards under this promotion.
GCash reserves the right to audit transactions, withhold rewards, or claw back/debit credited incentives from the user's GCash wallet for incorrect user data, fraudulent transactions, infringement on the terms of use, or other illegal actions as mandated by Philippine law.
GCash reserves the right to amend, modify, pause, or terminate the Referral Program, including the reward amount and eligibility criteria, at any time, subject to the approval of the Department of Trade and Industry (DTI).
By participating in this promo, all users agree to be bound by these mechanics and the general Terms and Conditions of GCash and GLoan.
Per DTI Fair Trade Permit No. FTEB-272121 Series of 2026
Frequently Asked Questions:
I. REFERRER FAQs
It’s our way of saying thanks! If you’re an existing borrower, you can share your unique referral code with friends. When they take out their first GLoan and pay their first installment on time, you both earn cash rewards.
It runs from November 13 to December 31, 2026.
This promo is open to selected GLoan borrowers who received an official invite via SMS or app push notification with their unique code. If you got the message, you’re good to go!
You’ll earn your incentive when:
You share your unique code with an eligible friend.
Your friend is completely new to GLoan and has never taken out a loan with us before.
They borrow at least PHP 1,000 in a single transaction (smaller loans don’t add up to qualify).
They enter your code during their application in the GCash app
They pay their first installment in full on or before their due date.
Your own GLoan accounts remain in good standing with zero overdue payments when the reward is to be awarded.
Your cash reward depends on how much your friend borrows in that first loan:
Loan of PHP 1,000 to PHP 4,999: You get PHP 50.
Loan of PHP 5,000 to PHP 9,999: You get PHP 100
Loan of PHP 10,000 or more: You get PHP 200.
Only one code can be inputted during the GLoan application. The incentive will go strictly to the Referrer whose unique code was successfully entered and submitted by the borrower.
You can refer as many friends as you like. However, you can only earn rewards from the first 20 successful referrals during the promo period.
We’ll deposit the cash directly into your GCash e-wallet within 5 business days after your friend’s first full installment payment successfully posts.
No. First scheduled installment to be settled in full on or before their first due date. Late payments — even by a few hours — disqualify that specific referral from earning an incentive.
Incentives are not released upon loan disbursement. The reward is only credited after your friend successfully settles their first installment on or before their due date.
If the cash reward isn’t in your wallet yet, double-check these common blockers:
Did your friend apply for a GLoan outside the promo period November 13 and December 31, 2026?
Did your friend pay after their due date?
Did your friend only pay part of the balance (partial payment)?
Has it been fewer than 5 business days since your friend fully paid their first installment?
Were they an existing or returning GLoan user?
Do you have an overdue balance on any of your own active GLoans?
Did you hit your 20-friend limit?
II. REFERRED USER FAQs
You qualify if you’re eligible for GLoan inside the GCash app and you’ve never taken out a GLoan before (regardless of the amount).
To use a referral code, you must first be eligible to avail of GLoan on the GCash app. If GLoan is currently locked or unavailable on youraccount, you will not be able to apply or input a referral code. You can unlock GLoan eligibility over time by increasing your GCash activity and maintaining a good GScore.
Getting your cash reward is easy:
Apply for a GLoan inside the GCash app between November 13 and December 31, 2026.
Type your friend’s unique referral code into the "Referral Code" field during your GLoan application.
Take out at least PHP 1,000 in a single loan transaction.
Pay your very first scheduled installment in full on or before the due date.
Your one-time welcome bonus matches your initial loan amount:
Borrow PHP 1,000 to PHP 4,999: Receive PHP 50.
Borrow PHP 5,000 to PHP 9,999: Receive PHP 100.
Borrow PHP 10,000 or more: Receive PHP 200.
You can only borrow up to the maximum credit limit shown on your GLoan dashboard at the time of your application. Credit Limits are pre-determined and subject to regular evaluation.
If your approved limit is lower than what you want to borrow, you can still avail of that amount to qualify for the program, as long as it meets the single-transaction minimum of PHP 1,000.
No. Php 1,000 minimum loan amount must be availed in a single GLoan transaction. Accumulated Sakto loans do not qualify for welcome or referral rewards.
Unfortunately, no. The code has to be entered during the application process before submitting. Once your loan is successfully disbursed, a code can’t be added retroactively.
No. First scheduled installment to be settled in full on or before their first due date. Late payments — even by a few hours — disqualify you from earning the incentive.
Your welcome reward will be credited to your GCash e-wallet within 5 business days after your first installment payment is fully posted. We’ll also text your registered number as soon as it’s credited!
