GGives in GCash: A Complete Guide

What is GGives in GCash?

GCash is a popular Philippine mobile wallet (e-wallet) and fintech app used by millions of Filipinos to send money, pay bills, shop online, and more. GGives is a new feature within GCash that acts like a “buy now, pay later” (BNPL) service. In simple terms, GGives lets qualified GCash users split their purchases into affordable monthly installments (hulugan) instead of paying all at once.

GGives is targeted at GCash users who want extra flexibility in paying for goods and services. It is different from other GCash financial products:

• GGives vs. GLoan: GLoan is a personal loan that disburses cash to your wallet for any purpose, whereas GGives is specifically for purchasing at partner merchants in installment plans. GLoan funds can be withdrawn or spent freely, while GGives funds must be used for payments. GGives generally has lower monthly interest (0–5.49%) compared to GLoan’s rates (around 1.59–6.57% per month).
  
• GGives vs. GCredit: GCredit is more like a credit line or credit card: you spend now (up to your credit limit) and pay within 30 days interest-free. GCredit can even be cashed out via linked CIMB accounts. GGives, on the other hand, locks each purchase into a fixed installment plan with interest. You cannot cash out or revolve a GGives balance like a credit line.
  
• Who it’s for: GGives is ideal for users who need to spread out payments for larger purchases (like appliances, gadgets, or even travel bookings). It’s for those who can manage monthly dues responsibly. If you have a steady income and prefer installments over lump-sum payments, GGives can help. It’s not for people who need immediate cash, as GGives funds can’t be withdrawn.

How GGives Works in the Philippines

When you get GGives, GCash essentially gives you a pre-approved credit line to spend on purchases. Key points about how it works:

• Credit Limit: Once approved, your GGives spending limit is typically between ₱1,000 and ₱125,000. This limit is pre-approved based on your GScore (a credit score built by GCash from your app usage and history). You can view your available GGives limit in the GCash app under the GGives dashboard. For example, if your limit is ₱50,000, you could use GGives to buy something up to that amount (as one or multiple purchases) until you reach the limit.
  
• Multiple Loans: You can have up to 5 active GGives loans at the same time (again, depending on eligibility). Each purchase you make with GGives becomes a “loan” that you pay off in installments.
  
• Installment Terms: When you purchase with GGives, you choose how long to pay it off. GGives offers installment plans from 2 to 24 months. Common choices are 6, 9, 12, 15, 18, or 24-month terms. There’s also an option to pay the full amount in 14 days (essentially a short-term loan with no discount). The shorter your term, the fewer months you pay interest.
  
• Where it can be used: Ggives can be used at over 100,000 GCash partner merchants nationwide. This includes both online and in-store (offline) shops that accept GCash. At checkout, these merchants will have a GCash QR code or a GCash payment option. In the GCash app, you select GGives to split the payment. If a store or website is part of the GGives program, you’ll be able to see the installment options.
  
• Eligibility requirements: To use GGives, you need:
  • A GCash account that’s fully verified (Know-Your-Customer completed with ID).
  • Age 21–65 years old, and a Filipino citizen.
  • Good GScore/credit standing. GCash evaluates your creditworthiness based on your GScore and history. If you have irregular transactions or previously missed payments, GGives may not be available to you.
  • No fraudulent activity on your account.

Once these are met, you can activate GGives in the GCash app (under Borrow > GGives) and immediately see your limit and options.

GGives Interest Rate Explained

GGives charges a monthly interest fee on each loan. The key points of interest:

• Monthly Interest Rate: The monthly interest rate for GGives ranges from 0% up to 5.49% per month. Your exact rate depends on your GScore and sometimes on the merchant or promotion. Higher GScore usually means a lower rate. For example, some top-tier users might get 0–1.5% per month, while others could see rates closer to 5%. GCash occasionally offers promos (like special rates on certain products or events) that can reduce your rate.
  
• How Interest is Calculated: Interest is usually calculated on the remaining balance of your loan each month. (For simplicity, you can think of a fixed monthly interest applied to the original amount.) For example, if you buy something for ₱10,000 and get a 5% monthly rate over 6 months, you’d pay ₱500 interest per month (in reality, interest would slightly decline as you pay principal, but roughly ₱3,000 total interest over 6 months). The breakdown of payments and interest is shown in your disclosure and schedule.
  
• Yearly Equivalent Rate (APR): To compare easily, you can multiply the monthly rate by 12. For instance, 5% per month roughly equals 60% per year. In practice, because you pay the loan down monthly, your effective annual rate (APR) is a bit lower. Always check your payment schedule.
  
• Factors Affecting Your Rate: Your GScore (GCash credit score), the loan term, and promotions affect your rate. A longer term usually means more total interest, but the monthly rate might sometimes be similar. Also, using GGives responsibly and paying on time can help keep your rates low in the future.

GGives Interest Table (Example)

Sample computations for illustration (assuming fixed interest on original amount). In real GGives loans, your payments amortize over time, but total interest approximates the above.

Use the above table to gauge costs: e.g. a ₱10,000 purchase at 2% monthly interest for 6 months yields about ₱1,200 in total interest, meaning you pay ₱11,200 in all. The “Annual Rate” column is just 12× the monthly rate for perspective.

How to Use GGives in GCash (Step-by-Step)

Using GGives is done through the GCash app whenever you check out. There are two main scenarios: paying in stores (in-person merchants) and paying online. The general steps are:

• Inside the GCash app (in general): First, ensure GGives is activated on your account. Then, whenever you purchase with a partner merchant:
  1. Scan or Generate a QR Code: If you’re at a physical store, you will either scan the merchant’s GCash QR code or generate a QR in your app for the cashier to scan. In both cases, tap the QR/Pay button on your GCash dashboard.
  2. Select GGives: After scanning or before paying, the app will show payment options. Tap on GGives and then “See Installment Options.”
  3. Choose Plan: You will be shown your purchase amount and available terms (e.g., 6, 9, 12 months) with the corresponding monthly payment. Pick the plan that suits you.
  4. Agree and Pay: Read and accept the loan Disclosure Statement (which outlines fees and schedule). Then tap “Pay with GGives.” The payment goes through as a GGives loan.
  5. Confirmation: You’ll get a confirmation on-screen and an email or SMS with your payment schedule.
• During online checkout: If an online store accepts GCash:
  1. At checkout, choose GCash as your payment method.
  2. You may be asked to log in to GCash. After logging in, the GCash payment portal opens.
  3. In the portal, select GGives and then follow similar steps: see installment options, pick a term, accept the disclosure, and confirm payment.
  4. Finish the online checkout – your order is paid via GGives.
• For in-store merchants vs online: The process is similar. In a store, you might hand over your phone for the cashier to scan the code after you select GGives. Online, you might click “Proceed to GCash” on the website and then continue in-app. The key is: always choose GGives in the GCash app instead of “GCash Wallet” if you want installments.

Key tips: Make sure your GCash wallet has enough balance or a linked payment option if required. After confirming GGives payment, you cannot change the terms (like switch from 12 to 6 months) – so choose carefully. Keep the disclosure document for your reference; it shows the monthly due amount and due dates.

GGives Merchants in the Philippines

GGives is accepted at thousands of merchants across the Philippines. In general, any merchant that is an official GCash partner and offers installment payments can accept GGives.

• Common categories: You can use GGives for shopping for appliances and electronics (e.g., gadget stores, electronics retailers), furniture, home improvement, fashion and lifestyle, groceries, dining (restaurants and food delivery), health and wellness, and even travel or event bookings. It covers both everyday items and big-ticket items.
• Online merchants: Many online shops that integrate GCash support GGives. This includes purchases made via the GCash app (GLife – GCash’s in-app shopping portal) or partner websites that accept GCash QR payments. For example, some travel agencies, airlines, or e-commerce platforms that have a GCash payment option may allow GGives.
• Offline merchants: A huge network of physical stores accepts GGives. For instance, major supermarkets, drugstores, malls, restaurants, gas stations, and retail outlets often have GCash QR codes. Notable examples: electronics stores like Abenson or Datablitz, grocery chains like Landers or Puregold, pharmacies such as Mercury Drug, fuel stations (Shell, Petron), restaurants and cafes, and more. (Always look for the “GGives” icon or ask the cashier.)
• Availability: It’s important to note that not all GCash-accepting merchants automatically take GGives. A store must be a designated GGives partner. Usually, the GCash app will only offer GGives at checkout if the merchant is eligible. If you try to use GGives at a merchant that doesn’t support it, GCash will only let you pay with your wallet balance or GCredit instead.

To see if a merchant accepts GGives, you can check the GCash app’s merchant directory or ask the staff. The GCash website and app often have a list or search feature for GGives partners (they categorize by type). Availability can vary, so it’s good to verify before assuming GGives is accepted.

Can I Use GGives in Lazada?

Answer: It depends on the latest integrations, but currently, Lazada does not officially support GGives.

In the past, users could pay on Lazada using GCash and even switch to GGives in the GCash app. The steps were: at Lazada checkout, select GCash as payment, then in the GCash window, choose the “GGives” option instead of “Use Wallet Balance.” However, changes were made: Shopee famously disabled GGives in 2023 to prevent misuse, and Lazada has likewise phased out direct GGives payments. Many users report that when trying to pay on Lazada with GGives now, the app only shows “Use my Wallet” and not the GGives option.

If by any chance your Lazada account still shows a “Pay with GCash” option:

1. Choose GCash at checkout.
2. Log in to your GCash account on the Lazada app or website.
3. If available, you would see options like “Pay with GCash” and maybe “Pay with GGives.” If “GGives” is listed, you could select it and continue as usual.
4. However, most users find that Lazada now only allows GCash Wallet or Lazada’s own BNPL (LazPayLater).

Limitations: Even if GGives ever reappears, there may be minimum purchase amounts and the merchant must still be a GCash-verified partner.

Right now, the safest assumption is no, you cannot use GGives on Lazada. Instead, Lazada users should use LazPayLater (Lazada’s built-in installment feature) or pay with their GCash wallet if needed.

Can I Use GGives in Shopee?

Answer: No, Shopee no longer supports GGives. Shopee removed the GGives option in mid-2023.

Originally, Shopee (in the Philippines) offered GCash as a payment method, and some users could choose GGives during checkout (similar to Lazada’s old flow). However, many people abused this to instantly convert purchases into cash refunds, so Shopee disabled GGives. Today, if you pick GCash in Shopee’s checkout, only your wallet balance (or SPayLater) is available. The “Pay with GGives” button does not appear.

Why Not: Shopee has its own BNPL called SPayLater. They decided to only allow the official wallet payment. If you tried toggling in the GCash app after logging in and found no GGives option (just “available balance” or “insufficient balance” messages), that confirms it’s disabled.

Alternatives: For Shopee purchases, use ShopeePayLater (SPayLater) or a credit/debit card if you want installment options. GGives will only work at physical stores or other online shops that still accept it.

How to Convert GGives to Cash (IMPORTANT)

If you’re wondering whether you can turn your GGives loan into spendable cash in your wallet, the answer is generally no, not legally or easily. GGives is intended solely for paying merchants, not for withdrawal. Officially, GCash does not allow cashing out GGives funds. Only GLoan (another GCash product) is meant for cash disbursement into your wallet or bank.

• Is it allowed? GCash’s terms do not permit converting GGives to cash. GGives credit acts as a placeholder for a purchase, not actual money you can send or withdraw.
• “Legitimate” methods: There are no legitimate, official ways to do this. Any advice to “hack” GGives (like paying it to a linked bank account, or paying a fake bill, then withdrawing) is outside GCash rules. GCash is clear that GGives is for purchases only.
• Risks and warnings: Beware of schemes or third-party services claiming they can “convert GGives to cash” for a fee. These are often scams or violations of terms. They can lead to your account being penalized or flagged for fraud. For example, some people tried using partner bills or even CIMB Bank transfer to indirectly get cash, but these are very risky.
• GCash allows vs not: GCash explicitly allows cash out from GLoan (via GCash wallet, bank transfer, or cardless ATM). It does not allow any withdrawals from GGives loans. If you try to bypass this, you risk losing GGives privileges or worse.

In summary: Don’t attempt to convert GGives to cash. If you need cash, the proper way is through GLoan, not GGives. Stay on the safe side and use GGives as intended – for buying things in installments.

GGives to Bank Transfer Explained

Directly transferring GGives to a bank account is not possible. GGives is not a wallet or bank account balance; it’s a loan for purchases. So you can’t send it to a bank as you do with your cash balance.

• Direct transfer? No. There is no “GGives to bank” feature. GCash treats GGives funds as already spent on a purchase, so there’s nothing to transfer.
• Indirect tricks: Some users have tried convoluted methods (which are not recommended), such as paying an online purchase with GGives through a merchant that lets refunds go to a bank, or so-called paying a partner-linked CIMB bill. But these methods either don’t work reliably or violate GCash policy.
• Restrictions & risks: Any workaround (like using GGives to pay for bills or fund transfers) typically will fail or be reversed. If you try strange transfers, the GCash system may freeze or cancel the transaction. GCash can also close your GGives access if it detects misuse.
• What’s allowed: If you want to move money from GCash to a bank, you must use your GCash Wallet or GLoan withdrawal feature, not GGives. GGives is locked to the merchant payment and cannot be treated as a cash balance.

In short, you cannot use GGives for bank transfers or cash conversions. It’s strictly for buying approved products. Use proper GCash cash-out channels instead.

How to Pay GGives

When you take a GGives loan (by making a purchase), you’ll have monthly dues. Here’s how payment works:

• Automatic payments: GCash does not automatically deduct from your wallet by default (unlike some credit cards). However, there is an option to set up Auto-Debit for loans in the GCash app. If you enable auto-debit, GCash will automatically charge your linked wallet/card on each due date. You must have sufficient balance for this to happen. Some users set an auto-pay threshold in settings so payments are applied when you top up your wallet.
• Manual payments: To manually pay:
  1. Open the GCash app, go to Borrow > GGives.
  2. You will see your active GGives loan(s). Tap the one you want to pay.
  3. Choose “Pay Now” (or a similar button). This shows the breakdown of principal and interest due.
  4. Confirm the payment. It will be deducted from your GCash wallet balance.
  5. If needed, top up your wallet before paying (via bank transfer, cash-in, linked card, etc.).
• Where money comes from: Payments always come from your GCash wallet balance. If your wallet balance is insufficient, GCash will not be able to deduct on the due date, and the payment will fail. (If you have auto-debit and your wallet is low, you can usually just put money in, and the auto-debit will attempt again).
• If payment fails: If you miss a due date or GCash can’t deduct (insufficient funds), your payment is marked late. You will incur a late payment fee. GCash will notify you via app or email. You should then pay as soon as possible. The longer you wait, the more fees accumulate.
• Payment schedule: Once your purchase is processed, GCash issues a payment schedule. You’ll get an email/PDF showing each month’s payment amount and due date. You should stick to this schedule.

In practice, a savvy approach is to fund your GCash wallet a few days before each due date. This ensures the payment can go through smoothly. You can also manually pay early by following the steps above if you prefer. Just remember: missing payments leads to extra costs.

GGives Payment Schedule and Due Dates

Your GGives loan has a clear billing cycle and due date each month. Key points:

• Billing cycle: If you made a purchase on, say, the 5th of the month, your monthly due dates will typically be the 5th of each subsequent month (until the loan term ends). GCash usually gives a 1-day grace period, but fees start accumulating quickly after the due date.
• Grace period: There’s little to no long grace period for GGives. If you miss the due date, GCash charges a late fee immediately (see below). It’s best to pay on or just before the due date.
• Late fees and penalties: If you fail to pay on time, GCash applies:
  • Fixed penalty: 1% of the original loan principal for that due date.
  • Daily interest: An extra 0.15% of your outstanding balance is charged per day until you pay.
    For example, if you miss one payment, you’ll immediately get a 1% penalty on your loan principal, and each extra day your balance hangs will add more interest.
• Impact of missing payments: Aside from fees, missing payments can hurt your GScore and future eligibility. GCash may temporarily suspend your borrowing privileges (no new GGives until dues are cleared). In worst cases, they could block certain features until you catch up. Always aim to pay by the due date.
• What to do if you miss a payment: Don’t panic. As soon as you realize you missed it, top up your wallet and pay the overdue amount via the app (follow the manual pay steps). Contact GCash support if there’s any confusion. The sooner you settle it, the fewer extra charges you pay.
• After payment: Once you pay on time, the next due date is generated for the following month. When you pay the final installment, your loan is fully closed.

It helps to mark your payment dates in your calendar or set a reminder on your phone. Treat your GGives due dates like any other bill – paying on time avoids penalties.

GGives Late Payment Fee Calculator

Missing a GGives due date can quickly increase the amount you need to pay. GGives applies a late payment fee based on your principal balance, outstanding loan amount, and the number of days your payment is delayed. Instead of guessing or manually computing the charges, you can use the GGives late payment fee calculator below to get a clear estimate of how much extra you’ll owe.

This calculator helps you estimate your GGives late fee and total amount due by entering your loan details, such as your principal balance, remaining loan amount, monthly payment, and the number of days late. It’s especially useful if you missed your due date by a few days and want to prepare the correct amount before paying through GCash.

Use this GGives calculator as a guide to understand GGives interest and late payment charges better, avoid surprises when paying late, and plan your finances more effectively. Please note that this tool provides an estimate only, as actual GCash fees may vary depending on GCash policies and account conditions.

GGives Referral Code Explained

There is no standard referral code for GGives that everyday users can share. Some people online might claim to have “GGives referral codes” (like BTSAMP0041) to unlock special offers, but these are not officially recognized by GCash. Here’s the truth:

• No official referral program: GCash currently doesn’t offer a general referral code for GGives, as it does for inviting new users. You can’t enter a friend’s code in-app to get GGives.
• Promotions: Instead of referral codes, GCash occasionally runs promos for GGives. For example, new users might get bonus installments or discounts when using GGives for the first time on big purchases. These promotions are typically announced in the app or via official channels, not by entering random codes.
• Fuse Lending agents: The back-end lending company (Fuse Lending) has agents who sometimes have internal codes to approve loans for clients, but this is not relevant to normal users. Those are not something the average customer needs or can access.
• Misconceptions: Many misunderstand GGives promos. There are no “secret codes” floating around that will suddenly approve your GGives or lower your rate. If you see posts offering GGives referral codes, be skeptical – they’re usually scams or just misinformation.

Bottom line: Focus on building your GScore (use GCash features, pay bills on time) to become eligible. Keep an eye on official GCash announcements for genuine promotions (like occasional interest discounts). That’s the real “shortcut” to good GGives deals, rather than dubious referral codes.

GGives Pros and Cons

Advantages:

• Flexible Payments: GGives lets you shop now and spread the cost over time. This can be very helpful when you need to budget for a big purchase (like a phone, appliances, or travel ticket).
• No Credit Card Needed: It brings installment plans to users without credit cards. You just need your GCash app.
• Low Interest Compared to Some Alternatives: Depending on your GScore, GGives interest rates (0–5.49% monthly) may be lower than some other BNPL or loan options.
• Easy Access & Pre-Approval: You get a pre-set credit limit without long applications. If you meet the requirements, you can start using it right away.
• Builds Credit Profile: Using GGives responsibly (on time payments) can improve your GScore, opening doors to higher credit lines in the future.
• Multiple Loans: You can have several GGives loans running concurrently (up to 5), which is more flexible than some other plans.
• Wide Merchant Network: Over 100,000 stores and websites mean you can use GGives in many places, often instantly at checkout.

Disadvantages:

• Interest and Fees: It is still a loan. You pay interest on top of your purchase. If you stretch to 24 months at a higher rate, you could pay substantially more. Late or missed payments incur additional fees.
• Debt Risk: It can be tempting to buy more than you can afford since GGives makes it easy. Overextending yourself with multiple installment loans can become a debt trap.
• No Cash Out: Unlike GLoan, you cannot withdraw GGives funds. You must spend them at approved merchants. This limits flexibility if you need cash.
• Not Universally Accepted: Only certain merchants allow GGives. You can’t use it at all e-commerce sites or smaller stores unless they partner with GCash.
• Early Repayment: You cannot easily renegotiate or extend terms once chosen; you pay as agreed or pay off early (usually by paying the remaining balance in one go if you like).
• Potential Impact on GScore: Missing payments can hurt your GCash creditworthiness, affecting future loans or even other financial apps.

Who GGives is best for: Those who can manage a monthly repayment schedule, have a steady income, and want to avoid big lump-sum payments. It’s great for planned purchases (like a holiday package, electronics, appliances) where you know you can pay over time. It’s also useful for building a good credit record if used responsibly.

Who should avoid it: If your income is irregular or you struggle to pay even one monthly bill, avoid GGives. Also skip it if you are prone to impulse buying, as adding “easy installments” can worsen financial discipline. If you actually needed cash instead of goods, GGives is not the tool (use GLoan or other methods instead).

GGives vs Other BNPL and Credit Options in PH

Here’s a quick comparison of GGives with other popular Philippine financing options:

This table shows that GGives is unique in letting you use a GCash installment plan at many different merchants, whereas LazPayLater and SPayLater are locked to their own apps, and GLoan is simply cash. Atome competes with zero-interest deals but has a smaller limit. Choose the service that matches where and how you want to shop.

-faq- Ggives in Gcash Frequently Asked Questions Q: What is GGives in GCash? A: GGives is GCash’s installment loan feature. It lets you pay for purchases in monthly installments at partner merchants, similar to a buy now, pay later service inside the GCash app. Q: How do I activate GGives? A: Open the GCash app and go to Borrow > GGives, then follow the activation steps. You must be eligible (21–65 years old, fully verified account, good GScore). Once approved, your GGives limit will appear in the app. Q: How much can I borrow with GGives? A: You can use GGives for purchases starting at ₱1,000 up to ₱125,000. Your exact limit depends on your GScore and account history. Q: Where can I use GGives? A: GGives can be used at GCash partner merchants, both online and in-store. This includes selected retailers, restaurants, grocery stores, and GLife merchants that support GCash installments. Q: What is the interest rate for GGives? A: GGives interest ranges from 0% to 5.49% per month. Your rate depends on your GScore, loan amount, and repayment term. Q: Can I withdraw GGives as cash? A: No. GGives is for purchases only and cannot be withdrawn, transferred, or converted into wallet cash. If you need cash, use GLoan instead. Q: Can I use GGives in Lazada? A: No. Lazada does not officially support GGives. Even if GCash is available, installments are handled through LazPayLater instead. Q: Can I use GGives in Shopee? A: No. Shopee no longer supports GGives. GCash payments on Shopee are limited to wallet balance or SPayLater. Q: How do I pay my GGives installments? A: Open the GCash app, go to Borrow > GGives, select your loan, and tap Pay Now. Payments are deducted from your GCash wallet on the due date. Q: What happens if I miss a GGives payment? A: Late payments are charged a penalty, usually 1% of the loan principal plus 0.15% daily interest on the remaining balance. It also lowers your GScore. Q: Can I repay my GGives loan early? A: Yes. You can pay the full remaining balance anytime, which may reduce total interest. Q: Is there a processing fee for GGives? A: No. GGives does not charge a separate processing fee. You only pay the interest. Q: How can I increase my GGives limit? A: Use GCash regularly, pay bills, maintain wallet activity, and always pay loans on time to improve your GScore. Q: Is GGives reported to credit bureaus? A: GCash does not directly report GGives to credit bureaus, but late payments negatively affect your GScore and future loan eligibility. Q: Are there promos or rewards for GGives users? A: Sometimes. GCash may offer cashback, vouchers, or special GGives promos during selected periods in the app. -/faq-