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Buy Now, Pay Later: How to Use GGives
Shopping & Lifestyle

Buy Now, Pay Later in Gives: How GGives Works

Do more with your finances



In this article:


The thrill of earning money comes with the dread of managing your finances. Balancing the scale of your monthly budget to meet your needs and wants while still setting aside amounts for future lifestyle investments can be challenging.


When it comes to money matters, tech innovations have certainly become a big help, especially for those with no bank accounts. For example, digital wallets like GCash allow people to send money, pay bills, shop online, and do more with their hard-earned money anytime, anywhere—even with just their smartphone, mobile number, and an internet connection.


The app has made it easier for Filipinos to seamlessly transact with thousands of merchants nationwide. It also serves as a convenient money management solution with just a few clicks, letting users send money, receive money, and even save.


But more than that, the GCash app offers various payment and lending options to fit your needs. One of these is GGives, which allows you to spend more—bearably and effortlessly. Read on for an in-depth look at how GGives services can help you manage your finances.



What is GGives?

GGives is the ultra-accessible installment loan service by GCash that can help you make lighter and more flexible payments. Pay for your next shopping trip through installment plans that fit your budget when you buy from GGives partner merchants nationwide. 


Everyone who meets the following qualifications may register to avail GGives installment plans through the GCash mobile app. Here are the conditions:


  • Must be 21 to 65 years old 

  • Must be a Filipino citizen

  • GCash profile must be fully verified (check out these easy steps to learn how to fully verify your GCash account!)

  • Must have good credit 

  • Must not have any records of fraudulent transactions

  • Must maintain a good GScore (note that the GScore requirements for GGives installment plans may differ per customer)


You can start enjoying the following benefits after successfully activating the GGives services in your GCash account:


  • Low-interest rates

Depending on your GScore, GGives can assign users 0 to 5.49% interest rates. In comparison, users who availed GCredit and GLoan get 1 to 7% and 1.59 to 6.57% interest rates, respectively. 


  • Flexible installment options

GGives offer installment plans payable within 6, 9, 12, 15, 18, or even 24 months. You can also pay for your GGives loan as a one-time payment after 14 days.


To get an estimate on what you might pay for, check out our GGives calculator!


  • Pre-approved loans based on GScore

Depending on your GScore and GCash profile, you can avail of a minimum spend requirement of ₱1,000 and a maximum spend of ₱125,000. You can view your minimum and available loan amount limit on your GGives dashboard in the GCash app.


  • Available for numerous purchases

Get the most out of your shopping trip when you shop from over 100,000 GGives partner merchants via Pay QR. You can also enjoy shopping at home when you opt for online payments or GLife purchases. 


  • Available for multiple loans

With GGives, you can apply for multiple active loans simultaneously. While the maximum allowable loan count and the amount may vary per customer, you can still enjoy a more flexible payment plan solution for every purchase. 




How to Activate Your GGives

If you meet the listed GGives eligibility requirements, you can follow these steps to register for GGives services through the GCash app:


Step 1: Log into your GCash app and tap the “View All GCash Services” button on your dashboard. 


Step 2: Scroll down to the Financial Services section and tap the GGives icon.


Step 3: Review the pre-filled Personal Information sheet and tap “Next.”


Step 4: The next page will allow you to edit your information. If there's nothing to change, tap “Next” to confirm your details, and another “Next” to continue.


Step 5: Tick the boxes on your screen to agree to Fuse Lending policies, and tap “Activate” my GGives once you've understood the terms.


Step 6: A confirmation screen will show that your GGives registration is successful and has been approved. Tap “Back” to GCash Dashboard to start enjoying GGives services.


You can also check your GGives registration approval when you go to the Application Success page on the GCash app or receive SMS and e-mail notifications.





How to Use Your GGives

The first step in availing GGives loan payments is to ensure that your GCash app is verified, registered, and ready. Then, you can follow the steps below to start transacting with GGives in any purchase option most convenient for you!


Through merchant QR:

Step 1: Tap the Pay QR icon at the bottom of your dashboard and scan the QR code provided by the merchant store.


Step 2: Enter the final amount of your purchase and tap “Next.”


Step 3: Select GGives as your payment method, choose your Installment Option, then tap “Next.”


Step 4: Tick the box to agree to the Disclosure Statement and tap “Pay.” A receipt confirming your purchase and installment plan should appear afterward.



Through personal QR:

Step 1: Tap the Pay QR icon at the bottom of your dashboard and click the “Generate QR Code” button.


Step 2: Select the “Pay Using QR Code” option, then tap the “How Do You Want to Pay?” prompt.


Step 3: Select GGives as your payment option, enter the total amount of your purchase, and tap the “Calculate Installment Options” button.


Step 4: Choose the payment plan you'd like to avail of and tap “Use GGives as Payment Method.”


Step 5: Tick the box to agree to the Disclosure Statement and tap “Pay.”


Step 6: Allow the partner merchant to scan your QR code or barcode. A receipt confirming your purchase and installment plan should appear afterward.



Through online:

Step 1: Select the GCash payment option upon checkout of your online transaction.


Step 2: Enter your GCash login and enter the one-time password (OTP) sent to your SMS.


Step 3: Select GGives as your payment method, choose your Installment Option, then tap “Next.”


Step 4: Tick the box to agree to the Disclosure Statement and tap Pay. A receipt confirming your purchase and installment plan should appear afterward.



Through GLife:

Step 1: On your GCash app, tap the GLife icon and browse through the merchant catalog.


Step 2: Tap your preferred merchant and add your purchases to your cart to proceed to payment.


Step 3: Select GGives as your payment method, choose your Installment Option, then tap “Next.”


Step 4: Tick the box to agree to the Disclosure Statement and tap Pay. A receipt confirming your purchase and installment plan should appear afterward.




How to Pay Your GGives Dues

GGives makes purchases easier and installment payments even more manageable. You can pay your outstanding balance and full loan in advance to maintain a high GScore and good credit. You'll also get an interest cashback on your GCash wallet in the first week of the following month. 


Much like the different installment plans and terms available, there are also various and convenient ways you can pay your GGives dues.


Through the GCash app:

Step 1: On your GCash app, tap the “Borrow” icon and select GGives.


Step 2: Tap “My Loans” and choose the loan plan you want to pay for.


Step 3: Tap Pay for GGives, enter the amount you want to pay or choose from the payment options available, and tap “Next.”


Step 4: Confirm your payment and tap “Pay.” A receipt confirming your purchase and your installment plan should appear afterward.


Infographic on how to pay GGives dues through Gcash

Photo source: GCash Help Center


Through GCash auto-deduction:

GGives also offers the option to automatically deduct your amount due on your GCash wallet to help you better manage your finances and avoid late charges. After each auto-deduction, you will receive a confirmation message via SMS to verify the transaction. 


This feature can be prompted to start on the day of your due date until the last payment of your full settlement amount. 


Through GCash payment partners:

This process is similar to how you pay your GCredit dues. Click here to get a step-by-step guide on paying through GCash payment partners. 


Keep in mind that your payment will reflect on your GGives account after one business day. It may subject you to additional penalty charges if your payment is not posted before your due date.


If you'd like to have your penalty fees reversed, you'll have to submit a ticket via the GCash Help Center. The reversed charges will reflect on the next business day upon ticket submission. 





Manage Your Finances Better with GGives

Upgrading your lifestyle while still being able to manage your finances is possible, especially with the vast and effective services from Globe!


Get the most out of your finances with accessible installment loan payments that you can avail of with just a few easy taps on your phone. If you're interested in shopping at your favorite brands with convenient payment plans, check out GGives and start loading items to your cart today.



Art Mark Arquilla

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