Saan makakakuha ng loan?
Mula sa kapitbahay hanggang sa bangko, maraming mapagkukunan ng loans. Still, it’s best to avoid informal lenders. Aside from unregulated operations, they often have higher interest rates and shorter loan terms. May risk din of getting scammed kapag binigay mo ang iyong personal information. Instead, avail safe and secure loans at the following:
Each lender has their own set of advantages. However, the fastest loan can be availed online and via app. They are meant to be accessible and convenient by requesting less documents than traditional banks.
If you only need money for bills or supplies before payday, we recommend GCredit. Ito ang mobile credit line ng GCash. A credit line or credit limit refers to the amount na pwede mong mahiram on a monthly basis.
In general, GCredit works like a credit card. Once activated sa app, pwede kang humiram ng up to 10k with an interest rate as low as 3%.
Magagamit ang GCredit sa sumusunod na GCash services:
- Pay Bills sa selected billers
- Pay QR sa GCash partner merchants nationwide
- Pay Online sa selected online partners tulad ng Shopee, Google Play Store, and App Store
Once you pay your monthly due, automatically magre-refresh ang iyong maximum credit limit.
If you need to cash out for other purposes, GCash also offers GLoan. Ito naman ang lending feature ng GCash where you can borrow up to Php 25,000. To qualify for a GLoan, you need a certain GScore. Dependent din ang iyong mahihiram na amount sa iyong GScore.
If you are eligible for a GLoan, kailangan mo lang mag-submit ng application in-app. Once your application is processed, makukuha mo ang loan amount sa iyong GCash wallet within the same day. Reasonable din ang interest rates, walang pre-payment fees, at payable over 12 months ang iyong loan.
For both GCredit at GLoan, you only need a high GScore and full verification sa GCash app to qualify. Applying, using, and settling your loan and credit dues is easier with these services. Lahat ng ito ay magagawa mo in a few taps within the GCash app.