GCash Hub Philippines: GLoan, GCredit, GGives and GSave
GCash is one of the Philippines' largest e-wallets, and borrowing and saving now live inside it. Four features matter here. You can borrow with GLoan, split purchases with GGives, cover bills with GCredit, and save with GSave. Each one prices money differently, so the summaries stay short.
GCredit: a credit line for payments
GCredit pays for purchases and bills even when your wallet balance is zero. CIMB Bank powers it. Limits reach up to PHP 50,000, with 5% to 7% monthly interest based on your GCash activity. It is charged daily. Same-day payment means no interest at all.
GGives: installments at partner stores
GGives is installment buying at partner stores, paid back later in parts. Rates span 0% to 5.49% per month by eligibility. Selected merchants run 0% promos. Terms come in 6, 12, or 24 installments. No published maximum. GCash sets the limit individually and reviews it over time. Miss a due date and fees stack: 1% of the amount plus 0.15% of the balance per day.
GSave: a savings account in the app
GSave by CIMB Bank opens inside the app with no initial deposit, no maintaining balance, no lock-in period. The base rate is 2.30% per year. It dropped from 2.60% on June 1, 2026. Pre-selected users can upgrade to CIMB Grow and earn 4% per year. Deposits are PDIC-insured up to P1,000,000. The advertised up to 5.5% p.a. comes from UNO time deposits, not from CIMB.
GLoan: cash loans covered in our guides
GLoan is the cash option: a pre-qualified loan for select users with Philippine mobile numbers. The details live on dedicated pages. Start with the GLoan guide, then check the GLoan interest rate page and the GLoan requirements checklist.
How to choose the right one for you
Need cash you can spend anywhere? That is GLoan territory. Splitting a purchase points to GGives. GCredit fits short payment gaps on bills and purchases, cheapest when cleared fast. Only GSave pays you instead of charging you. Need the math checked? Run every offer through the loan calculator and see the methodology for verification.
FAQ: quick answers in context
Is GCredit a loan or a credit line?
Not a cash loan, but a revolving credit line. Interest applies from the day after you use it, so fast repayment keeps costs down.
What interest does GSave pay?
GSave by CIMB pays 2.30% per year. Pre-selected users can reach 4% with CIMB Grow.
Which is cheaper, GLoan or GCredit?
GLoan pricing depends on your eligibility. GCredit depends on how long you carry a balance. Compare totals in pesos, not headline rates.
The bottom line for borrowers
Everything sits one tap away, which is why the numbers deserve a second look. Match the feature to the job: cash to GLoan, purchases to GGives, bills to GCredit, savings to GSave. Verify the offer inside your app before you accept it.