Be one of 10 winners of 10K daily this Back-to-School season when you Scan-To-Pay with GCash!

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The start of a new school year is just around the corner, and preparations are in full swing. Whether it’s stocking up on school supplies, upgrading gadgets, or purchasing a new set of outfits, GCash is making the Back-To-School season more exciting this year by giving away Php 10,000 to 10 winners daily who Scan to Pay or Pay Later with GGives or GCredit as they get a head start on shopping for the school year ahead.

Have All Your Back-To-School Needs When You Scan-To-Pay or Pay Later with GCash

GCash Scan-To-Pay is a convenient and secure payment method for offline or in-store transactions with your favorite merchants. With GCash Scan-To-Pay, you only need your GCash app to pay for your purchases – saving you time and effort and allowing you more flexibility with your payments.

You can also Shop Now and Pay Later through GCash's borrowing services, GGives and GCredit.

With GGives, you can make big upgrades feel light and easy by breaking down your payments in up to 24 months installment with 0 down payment.

You also don't have to worry about your everyday school supplies because you can use a credit line of up to 50,000 for your immediate needs with GCredit, even if you don't have cash.

How to Join and Spin the Lucky QR

At all merchants where users may Scan-To-Pay with GCash or Pay Later with GCash, users will be rewarded for their transaction and earn one spin per day on the Back-To-School #LuckyQR the next day at 12 NN.

To join:

1. Log in to the GCash app and tap the Back-To-School banner.

2. Select the lucky draw game banner on the main Back-To-School landing page.

3. If you've made a QR payment transaction the previous day, you'll be directed to the lucky draw game page. Spin the wheel and receive a notification with your result and prize details if you win.

4. 10 winners of the Php 10,000 daily prize will receive their reward in their GCash wallet within 14 days. Meanwhile, those who join may also receive consolation e-vouchers in real time which they can use through A+ Rewards platform on the GCash app. Vouchers include discounts for Mobaypay, NBA, Disney+, Spotify, Foodpanda, App Store, and Google Play Store.

#GCashToSchool This Season at All Your Favorite Merchants

This year's Back-To-School season is about to get even more exciting with exciting discounts and deals. Purchase everything you need from school supplies, school-required readings, and more from trusted brands at National Bookstore and enjoy discounts up to Php 300 off with a minimum spend of Php 1,500 in-store.

Heading back to school is always more exciting when you pay with GCash at your favorite restaurants like Auntie Anne's and Angel's Pizza and get great deals. Meanwhile, cop all the season’s best looks and get your back-to-school fits at Penshoppe, Keds, Complex, Merrell, Sperry, Oxgn, Gap, Banana Republic, Old Navy, Forme, Regatta, Bocu and Memo.

A school of surprises await when you #GCashToSchool! Find more exciting offers this Back-To-School season and be one of the lucky winners! Download the GCash app today on the App Store or Google Play Store to join.

Need funds? GCash introduces easy and accessible way to borrow money for different needs

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GCash’s suite of lending products GGives, GLoan, and GCredit aims to provide Filipinos with easy and flexible borrowing terms

Almost 5 out of 10 Filipinos have outstanding loans, according to the Bangko Sentral ng Pilipinas’ (BSP) latest Financial Inclusion Survey in 2021. Of this number, day-to-day expenses, emergencies, and fulfilling financial or life goals are the top three reasons why Filipino adults borrow.

However, only two out of ten Filipinos have access to formal financial services offered by banks and government institutions like the Social Security System (SSS) and Pag-IBIG, with some resorting to borrowing from individuals or lending companies with unfairly high interest rates.

Moreover, BSP notes that 25% of Filipino adults were forced to use up their savings during the pandemic, which means that on top of having to deal with everyday finances, they may not have enough cash to cover emergency expenses.

In line with its goal of making affordable loans accessible to more Filipinos, e-wallet app, GCash introduces new ways for Filipinos to conveniently manage their finances. On top of using the GCash app to pay bills, send money, buy load or pay for online and in-store purchases, users can now easily borrow money in the form of GLoan, GGives, and GCredit.

“We at GCash are working hard to give every Filipino access to fair loans not just to help them meet their basic needs but also empower them to achieve their life goals,” said Zo Canaria, FUSE Lending Growth Marketing Head. “Through GCash’s in-app innovations, we hope to give Filipinos an easy way to fund the lifestyle they deserve and fulfill long-standing goals they were previously unable to achieve due to financial challenges.”

GLoan: Fast-cash loan offering

GLoan, the loan product of GCash, offers instant cash up to P125,000 straight to eligible users’ GCash wallets, which can be used for starting or expanding a business, cover emergency expenses, celebrate special occasions or even to pay for different necessities. Through GLoan, eligible users can borrow from P1,000 to P125,000 as good as cash, with an interest rate of as low as 1.59%.

To borrow, users simply submit their loan application within the app with no additional documents needed and wait for the loan to be reflected straight to their GCash wallet within 24 hours. The loan can then be paid for as low as P265 a month for 5-24 months.

GGives: Light and easy installment plan

Meanwhile, GGives is GCash’ light and flexible installment plan which allows eligible users to purchase big-ticket items and pay for it in up to 24 months. GGives allows eligible users to purchase items amounting up to P125,000 in one transaction and choose their payment terms in installments from 3, 6, 9, or 12 months and up to 24 gives.

GGives can be used for both in-store and online purchase of selected merchants. Unlike other installment products, GGives does not require additional documents during application and does not need an upfront downpayment and processing fees.

GCredit: Always-ready credit line

GCredit, powered by CIMB, is an always-ready credit line by GCash that can be used to pay for select bills, as well as products and services in-store and online. Eligible users can get up to a Php 50,000 credit line that they can use for bills payment, online buys, and in-store QR purchases to cover everyday expenses.

With GCredit, users are only charged based on the number of days they borrow. This prorated interest means users who pay earlier get charged a lower interest. GCredit’s Minimum Amount Due also allows users to pay as low as 15% of their dues on their billing and/or due date.

To be eligible for GLoan, GGives, and GCredit, users must have a fully verified GCash profile and must maintain a qualified GScore, which is the app’s trust rating reflecting their GCash activity. GScore is the primary basis to qualify for GLoan, GGives, GCredit and enjoy benefits such as lowest interest rates and highest credit line or loan amount.

As your GScore is computed based on GCash activity, users must maintain an active GCash wallet balance by cashing in regularly and using different GCash services. For those who are already using any of the GCash borrow products, such as GLoan, GGives or GCredit, they must pay their dues early or on time to maintain their GScore and be eligible for future credit transactions.

Users may access GLoan, GGives and GCredit through the GCash dashboard or find it under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery! Kaya mo, i-GCash mo!