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, Sep 29, 2026
| 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: From 1.59% a month; 3% processing fee. | Its published terms |
| Loan amount and term | Up to ₱150,000, 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 lowest published rate comes to ₱468 in interest and fees: interest of 1.59% a month and an all-in cost of 3.8% a month, higher because its processing fee comes off the cash, so you get ₱4,850 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. It does not publish the most it can charge. GLoan (GCash)'s published terms
Working: 1.59% a month × 120/30 × ₱5,000 = ₱318 interest; processing fee 3% × ₱5,000 = ₱150. The all-in rate is the monthly rate at which 4 payments of ₱1,330 repay the ₱4,850 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Next: search the SEC list for the platform you use before you borrow.
Also known as GGives, GCredit.
GLoan (GCash) interest rate and what you pay back
From 1.59% a month; 3% processing fee.
- You pay back
- From ₱5,318
- Cash you receive
- ₱4,850
- Interest and fees
- From ₱468
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 lowest published rate; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed − ₱150 taken off | RA 3765 Sec. 4(5) | ₱4,850 |
| Interest | 1.59% a month × 120/30 × ₱5,000 | GLoan (GCash)'s published lowest rate | ₱318 |
| Processing fee | 3% × ₱5,000, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱150 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱468 |
| Late penalty, at most | 5% × ₱5,318 due | SEC MC No. 14 s.2025 Sec. 3 | ₱266 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 × ₱468, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱936 |
Should you borrow from GLoan (GCash)?
GLoan (GCash) publishes only its lowest rate; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip GLoan (GCash) if
- you only borrow from apps the SEC list names: it records "Fuse" for this company, not the app.
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
On GLoan (GCash) loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. 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)
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: "From 1.59% a month; 3% processing fee."
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.
Lowest-cost recorded apps for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.