Pay for your child’s college tuition fees in 6 up to 12 monthly installments powered by GGives.
Program Details
Invest in your child’s future, one affordable step at a time
The GCash Study Now, Pay Later Loan Program powered by GGives is designed for parents and/or guardians supporting their child’s college education, as well as self-supporting students in need of financial assistance. It allows them to settle their tuition fees and other school fees upfront directly to the school, with the flexibility to repay in affordable monthly installments all within the GCash app.
Loan Applicant Eligibility
The Study Now, Pay Later Loan Program is available for all fully verified GCash users who are supporting a student in the tertiary level or above. Those applying for the Study Now, Pay Later Loan Program will be the loan owner or loan holder and must fulfill the following criteria:
Loan applicant must be at least 21 years of age
Loan applicant must be a Filipino citizen
Loan applicant must have a fully verified GCash mobile number
Loan applicant must have a source of income & be able to provide a recent proof of income
Loan applicant must be supporting a student, at least 18 years old, who is enrolled in tertiary level education
Loan applicant may be the student supporting themselves
May or may not be currently eligible or a user of any GCash Borrow products
The loan owner is responsible for managing the payments for the loan.
We will only accept one loan application per GCash user and one loan applicant per student. Only one student can be listed by the loan applicant.
All applicants for the Study Now Pay Later Loan Program are still subject to the review & approval of the GCash and Fuse team. GCash reserves the right and has the authority to conduct audits and/or to deny rewards for incorrect user data, fraudulent transactions, infringement on the terms of use, or other illegal actions as mandated by Philippine law.
Student Coverage
The Study Now, Pay Later Loan Program is in support of a student who fulfills the following qualifications:
The student must be at least 18 years old
The student must be a Filipino citizen
The student must be an incoming freshman, a returning college student, a postgraduate student or a working student taking up certification courses
The student must be enrolled or planning to enroll in a Study Now Pay Later participating school listed below
Note: Student must be able to provide photo of their ID
Tuition Coverage:
This Study Now Pay Later Loan Program grants the applicant or loan holder a special and upgraded GGives credit limit that can be used to pay up to 100% of tuition fees, miscellaneous fees and other fees paid directly to the school. The loan program offers an enhanced credit limit access that can only be used in the selected school as indicated on the applicant form.
Depending on the review by the GCash and Fuse team, the approved loan amount may differ from the loan amount requested on the application form. Approved applicants may view their approved GGives loanable amount/credit limit on their GGives dashboard in the GCash app.
The tuition payment can only be made via GCash Pay Bills and the approved GGives loanable amount is locked to the school selected on the form. The user may simply pay for their tuition fees on the GCash Pay Bills feature and select GGives as their payment method.
Loan Interest Rates and Other Details:
The GGives Study Now, Pay Later Loan Program has an interest charge applied depending on the loan holder’s chosen installment plan. Selection of desired installment plan or number of months to pay for the tuition happens upon tuition payment on the Pay Bills feature using the GCash app.
There are no other processing fees or origination fees charged to the loan holder. GGives Study Now, Pay Later Loan program also does not require any downpayment or cash out from the loan holder in order to avail of the special installment plan.
INTEREST RATE CHARGES PER TENOR
Loan/ Credit Limit Offer Validity
The Study Now, Pay Later loan offer is valid for tuition payments directly to the school via GCash Pay Bills. If the approved credit limit offer is unused, it will expire after 2 weeks from the date the loan was granted to the user. The exact expiration date of offer can be viewed on the GGives dashboard of approved applicants.
Participating Schools:
The Study Now, Pay Later Loan Program is only available in the ff schools through the GCash Pay Bills feature:
Access Computer and Technical Colleges
Adamson University
Ateneo De Davao University
Ateneo De Naga University
Baliuag University
Bataan Peninsula State University
Bicol University
Bulacan State University
Camarines Sur Polytechnic Colleges
Caraga State University - Main Campus
Central Colleges
Central Phil Adventist College
Colegio de San Juan de Letran - Bataan
Colegio de San Juan de Letran Manila
College of Our Lady of Mercy of Pulilan Foundation Inc.
De La Salle-College of Saint Benilde
Eastern Visayas State University
Emilio Aguinaldo College Manila
Emilio Aguinaldo College, Cavite Campus
Far Eastern University Alabang
Far Eastern University Diliman
Far Eastern University Tech
Father Saturnino Urios University
Fine International Training Center Inc.
First Asia Institute of Technology and Humanities
First Industrial Science and Technology College Inc
General de Jesus College
Holy Cross Colleges, Inc.
Institute of Creative Computer Technology Colleges
Jose Rizal University
Lyceum of the Philippines University
Manila Adventist College
Manuel L. Quezon University
Mapua Malayan Colleges Laguna
Mapua Malayan Colleges Mindanao
Mapua Malayan Digital College
Mapua University - Intramuros & Makati
Mariano Marcos State University
Metro Manila College Inc
Mindanao State University - Maguindanao
Miriam College
National Teachers College
Notre Dame of Tacurong College
Nova Schola Tanauan
Philippine College of Physicians, Inc.
Philippine Women's College
PHINMA Araullo University
PHINMA Cagayan de Oro
PHINMA Education
PHINMA Republican College
PHINMA Rizal College of Laguna
PHINMA Southwestern University
PHINMA St Jude College
PHINMA University of Iloilo
PHINMA University of Pangasinan
PHINMA UPANG College Urdaneta
Riverside College Inc.
Saint Michael College of Caraga
Silliman University
St. Francis Xavier College
St. John Paul II College of Davao
St. Paul College, Pasig
St. Vincent College Of Cabuyao
STI College
Universidad de Zamboanga
University of Bohol
University of Mindanao
University of Nueva Caceres
University of San Jose Recoletos
University of the Assumption
University of the East
University of the Philippines Baguio
University of the Philippines Diliman
University of the Philippines Manila
How to apply:
Interested applicants must scan the official QR code published.
Interest applicants must fill out all the required fields on the form. Kindly ensure all information provided is true and correct.
All applications are subject to review by the GCash and the Fuse team. There is no guaranteed approval for any applicant for the Study Now Pay Later Loan Program.
If additional documents or revisions are needed, we will email you a QR code. Simply scan it to upload your documents securely.
Once results are available, the applicant will receive a notification via SMS.
If the applicant is approved for the Study Now Pay Later Loan, they may activate their GGives on the GCash app by tapping Borrow > GGives upon login.
What should I prepare before applying for the Study Now Pay Later Loan
Applicants must prepare the the ff details:
Year Level and Course of student
Terms with outstanding balance to be paid for
Total tuition amount needed
The ff documents are also required for submission upon application:
Student’s most recent student ID
Student’s most updated Enrollment Form, Certificate of matriculation or SOA (or document which states the tuition balance to be paid for)
Loan Applicant’s valid Government ID
Loan Applicant Updated Proof of Income (within 3 months; up to 2 submissions)
How to pay for the student’s tuition with the Study Now Pay Later Loan:
To pay for the tuition and other school fees using the Study Now Pay later Loan once you have been approved, you must:
Log into GCash
Tap on “Bills” > Select biller category “Schools”
Select the college/university the student is enrolled in
Input and complete the necessary student and payment information on the Pay Bills page
Select GGives as your payment method
Choose your preferred payment tenor (6, 9 , 12 months to pay)
View and sign your disclosure statement to complete your transaction
Receive your confirmation receipt that the payment has been successful
Note: Kindly ensure your GGives is activated before paying for the student’s tuition fees. You may do so by tapping on Borrow > GGives then follow the instructions to activate.
How to repay for your Study Now Pay Later Loan:
Your Study Now Pay Later Loan repayment starts exactly 1 month from the date of your tuition payment via the Pay Bills feature. To know more, visit Help Center - How can I-pay for my GGives dues
Frequently Asked Question
I. On the Loan Applicant
Yes, as long as the student fits the loan applicant qualifications then they can be both the loan applicant and the student supporting themselves:
Be at least 21 years of age
Be a Filipino citizen
Have a fully verified GCash mobile number
Have a source of income & is able to provide a recent proof of income
May or may not be currently eligible to GGives or any other Fuse Borrow product
Does not have an active/existing GGives loan still being paid for
Yes, as long as they fit the criteria to be a loan applicant.
No, the GCash number provided must be owned by the loan applicant who is connected to the student
Yes! If you would like to avail of a possible higher credit limit offer and better interest rates to pay for your or your child’s tuition fees, then you may still apply for the SNPL loan offer program.
For now, we will only allow one application per GCash user and each application can only be in support of one undergraduate/ postgraduate student
No, only college and postgraduate level students who are at least 18 years old can be covered by the Study Now, Pay Later loan program.
II. On the Loan Application Process
Applicants should receive a notification via official GCash channels within 7 - 15 days from the date of application submission
Loan applicants can submit the ff as their proof of income:
Payslip (Dated within last 3 months)
Certificate of Employment (which clearly states income amount)
Payroll Account (Shows most recent balances)
Bank Statements (dated within last 3 months and that shows 3 months worth of transactions)
Income Tax Return of the Previous Year (2316)
For OFWs: Emment Contract that States Salary (dated within the last 3 months)
For OFWs: Remittances Receipts (compilation of the last 3 months)
Yes! You may compile in 1 PDF file all other proof of income you have to support your application and submit them as your second proof of income on the form.
The tuition assessment form is any document/proof from the school or the school website that indicates the ff details:
School Name
Student Name
Student Year level & Course
Semester
Student Tuition Amount
This may be a screenshot from the school portal, an official email sent by the treasury team of your respective school or a statement of account.
Yes, simply submit the most recent ID available to the student.
Unfortunately, all applications submitted are final and edits can no longer be made. However, we may reach out to you via the email using the email address studynowpaylater@gcash.com to ask you to revise certain submitted documents as needed. You will be asked to submit via QR code.
Our team may reach out to you using the email address studynowpaylater@gcash.com to correct some details or to revise certain submitted documents for your loan program application. While this does not guarantee approval of your loan application, this may increase your chances of getting approved. Details will be provided by our team via email.
III. On Loan Application Results
All applications need to undergo a review by the GCash and Fuse team and will be subject to approval. GCash and Fuse Financing Inc. reserves the right and has the authority to conduct audits and/or to deny rewards for incorrect user data, fraudulent transactions, infringement on the terms of use, or other illegal actions as mandated by Philippine law
You must first activate your GGives before you can use it, if you have not done so in the past. Login to the GCash app > tap Borrow tab > select GGives and follow the steps to activate it. If you had activated it before, there is no need to activate the product again.
Once activated, you may now view the approved credit limit offer and the loan offer expiration date on your GGives dashboard. To pay for your tuition using the GGives SNPL loan offer, you need to settle your tuition fees via GCash Pay Bills feature and select GGives as your payment method. Please note that the SNPL loan offer with the better interest rates will only apply to your selected school.
Unfortunately, no. Multiple loan application submissions will result in the same feedback. We will notify you for any more special offers and perks in the future.
IV. On Loan Offer Expiration
The SNPL Loan Offer will expire 2 weeks after your application is approved. You will no longer be able to use your upgraded GGives credit limit with the preferential interest rates, locked to the participating school of your choice.
If you previously had access or were eligible for GGives prior to applying to the SNPL Loan offer, then your credit limit should revert back to your original offer and any remaining credit limit may be used at any GCash-partnered stores. You will still be able to track your active SNPL loan in the MY LOANS tab in your GGives dashboard.
If you were previously ineligible for GGives before you applied for the SNPL loan pogram, then you will lose your access to use GGives once your SNPL loan offer expires. You will still be able to track your active SNPL loan in the MY LOANS tab in your GGives dashboard.
