Is GLoan (GCash) legit?
Fuse Financing, Inc is on the SEC list, but not under the name GLoan (GCash). The SEC list dated Sep 29, 2026 records its platform as "Fuse", under SEC Reg. No. CS201617622, CA No. 1317. The company was formerly Fuse Lending Inc.; the app was formerly called GCredit (SEC list remarks). SEC list of recorded online lending platforms, Sep 29, 2026
Requirements Customer service How to pay
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Under another name: "Fuse" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Fuse Financing, Inc., CS201617622 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1317 | SEC list, Sep 29, 2026 |
| Price published | Yes: 1.59% to 6.99% a month; 3% to 5% processing fee deducted upfront. Your offer determines the applicable rate and fee. | Its published terms |
| Loan amount and term | ₱500 to ₱300,000, over 60 to 750 days | Its published terms |
| Google Play rating | 4.2 of 5 from 3,496,753 ratings, 100M+ installs, as of Oct 2, 2026 | Google Play listing |
On ₱5,000 for 120 days, GLoan (GCash)'s published terms come to at most ₱1,648 in interest and fees (₱468 at its lowest published rate): interest of 6.99% a month and an all-in cost of 13.1% a month, higher because its processing fee comes off the cash, so you get ₱4,750 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. GLoan (GCash)'s published terms
Working: 6.99% a month × 120/30 × ₱5,000 = ₱1,398 interest; processing fee 5% × ₱5,000 = ₱250. The all-in rate is the monthly rate at which 4 payments of ₱1,600 repay the ₱4,750 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 6.99% a month against the 6% cap (above it); all-in 13.1% a month against the 12% cap (above it) (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: search the SEC list for the platform you use before you borrow.
GLoan (GCash) interest rate and what you pay back
1.59% to 6.99% a month; 3% to 5% processing fee deducted upfront. Your offer determines the applicable rate and fee.
- You pay back
- ₱5,318 to ₱6,398
- Cash you receive
- ₱4,750 to ₱4,850
- Interest and fees
- ₱468 to ₱1,648
- Interest a month, at most
- 6.99%
- All-in cost (EIR) a month, at most
- 13.1%
- Share of the loan
- 33%
Stated interest of 6.99% a month is above the 6% nominal cap.
Terms as GLoan (GCash) publishes them. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
GLoan (GCash) Disclosure Statement, worked out: ₱5,000 for 120 days
GLoan (GCash) must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed − ₱250 taken off | RA 3765 Sec. 4(5) | ₱4,750 |
| Interest | 6.99% a month × 120/30 × ₱5,000 | GLoan (GCash)'s published maximum | ₱1,398 |
| Processing fee | 5% × ₱5,000, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱250 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,648 |
| Late penalty, at most | 5% × ₱6,398 due | SEC MC No. 14 s.2025 Sec. 3 | ₱320 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱1,648, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from GLoan (GCash)?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,348 less than GLoan (GCash)'s published maximum of ₱1,648.
Skip GLoan (GCash) if
- you only borrow from apps the SEC list names: it records "Fuse" for this company, not the app.
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you need the full amount in hand: you receive ₱4,750 of ₱5,000.
GLoan (GCash) requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- Not listed on its Google Play listing
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As GLoan (GCash) lists them on its Google Play listing. Use only these channels or the app itself. Source
If you cannot pay GLoan (GCash) on time
If all ₱6,398 of a ₱5,000, 120-day GLoan (GCash) loan fell due unpaid, the penalty could be at most ₱320 a month, and interest, fees and penalties together could never pass ₱5,000. Fuse Financing, Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
If that fails, report Fuse Financing, Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers GLoan (GCash)'s published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact GLoan (GCash) first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about GLoan (GCash)
How do I borrow money from GCash through GLoan?
In GCash, open Borrow, then GLoan. If an offer is available, choose your amount, repayment term and purpose, complete your details, and review the Disclosure Statement and cash you will receive before confirming. GLoan is for selected eligible users; a high GScore or a previous loan does not guarantee an offer. Never give anyone your verification code to unlock a loan.
How do I check my GLoan computation?
Compare the approved amount, cash received after the processing fee, monthly payment and total repayment in your Disclosure Statement. A ₱5,000 loan with a 3% processing fee releases ₱4,850; at 5%, it releases ₱4,750. Interest is separate. Use your actual offered rate and term, not just the lowest advertised rate.
Is GLoan the same as GCredit or GGives?
No. They are separate borrowing products. For GLoan, check the lender named in your Disclosure Statement: it may be Fuse Financing or a partner financial institution. Do not apply GLoan rates or repayment terms to GCredit or GGives.
Who owns GLoan (GCash)?
Fuse Financing, Inc (SEC Reg. No. CS201617622), per the SEC list dated Sep 29, 2026.
What is GLoan (GCash)'s interest rate?
GLoan (GCash) states: "1.59% to 6.99% a month; 3% to 5% processing fee deducted upfront. Your offer determines the applicable rate and fee." On ₱5,000 for 120 days: interest of 6.99% a month and an all-in cost of 13.1% a month, higher because its processing fee comes off the cash, so you get ₱4,750 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time.
Does GLoan (GCash) call your contacts?
Fuse Financing, Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Report it to the SEC on 14732.
Compare published costs for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
| App | Most you pay back | Lends | Approval needs | Downside |
|---|---|---|---|---|
| Pocketcash (Elending) | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees) | ₱1,000 to ₱50,00091 to 360 days | Resident of the Philippines; At least 18 years old | None in Pocketcash (Elending)'s published terms |
| Vplus | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 interest | ₱1,000 to ₱50,00091 to 180 days | One valid ID | None in Vplus's published terms |
| Pesos.ph | ₱5,39524% a year × 120/365 days × ₱5,000 = ₱395 interest | ₱1,500 to ₱50,00091 to 180 days | At least 18 years old | None in Pesos.ph's published terms |
