GGives in GCash: Complete Guide, Interest Rates, Merchants, and How It Works

The Philippine financial ecosystem has rapidly shifted from cash-based transactions to digital credit solutions. One of the most influential tools driving this transformation is GGives in GCash, a Buy Now, Pay Later (BNPL) installment credit facility designed to help Filipinos afford essential and lifestyle purchases without upfront cash.

Managed by Fuse Lending, Inc. and regulated by the Bangko Sentral ng Pilipinas (BSP), GGives allows eligible users to shop at accredited merchants and pay in fixed monthly installments. This guide explains what GGives is, how GGives works, interest rates, where to use it, how to pay GGives, and whether GGives can be converted to cash.

What Is GGives? (GGives Meaning Explained)

GGives is an installment-based digital credit line embedded within the GCash app. Unlike GCredit, which is a revolving credit facility, GGives follows an amortized loan structure with fixed monthly payments.

In simple terms, GGives meaning refers to GCash’s “pay-by-installment” feature that lets users purchase items today and pay later over 2, 3, 6, 9, or 12 months.

Key Features of GGives in GCash:

• BSP-regulated lending product
• Managed by Fuse Lending, Inc.
• No physical documents required
• Credit limit based on GScore
• Installment-based (not revolving)

The GGives logo inside the app represents a separate credit pocket, distinct from GLoan and GCredit.

How Does GGives Work?

Understanding how GGives work is essential before using it. GGives functions as a merchant-paid installment loan, meaning funds do not go directly to your GCash wallet.

Here’s how the process works:

1. You shop at a GGives partner merchant
2. You select GGives as your payment method
3. GCash pays the merchant in full
4. You repay GCash monthly with interest (if applicable)

GGives is not a cash loan, and this is crucial when users ask about GGives to cash options.

How to Activate GGives in GCash

How to Activate GGives

Activation depends on your GScore, which measures your financial behavior within GCash.

Requirements to Activate GGives in GCash:

• Fully verified GCash account
• Valid government ID
• Good transaction history
• Stable GScore

Step-by-Step: How to Activate GGives in GCash

1. Open the GCash app
2. Tap Borrow
3. Select GGives
4. Review your personal information
5. Agree to terms and conditions
6. Enter the OTP sent to your number

Once approved, your GGives credit limit (₱1,000 up to ₱125,000) will appear instantly.

How to Use GGives in GCash

How to Pay Using GGives in Physical Stores

• Scan the merchant’s QR code
• Enter the amount (minimum ₱1,000)
• Choose GGives
• Select installment tenor

How to Use GGives in GLife

GLife is GCash’s in-app marketplace. Simply:

• Choose a GGives merchant
• Add items to cart
• Select GGives at checkout

GGives to GCash Wallet

GGives cannot be transferred to your GCash wallet. It is for merchant payments only.

GGives Interest Rate and Calculator

How Much Is the Interest in GGives?

The GGives interest rate per month ranges from:

• 0% (promo periods)
• Up to 5.49% monthly, depending on risk profile

GGives Interest Rate Calculator

Before confirming payment, the app shows:

• Monthly installment
• Total interest
• Total payable amount

This built-in GGives calculator ensures transparency.

Example:

• Purchase: ₱10,000
• Tenor: 6 months
• Interest: 3% monthly
• Monthly payment: ~₱1,833

GGives Partner Merchants and Where to Use GGives

Where Can I Use GGives?

GGives has over 100,000 partner merchants nationwide.

List of GGives Accredited Stores (Major Categories)

Supermarkets & Essentials

• Puregold
• SM Supermarket
• Robinsons Supermarket
• WalterMart

Electronics & Gadgets

• Power Mac Center
• DataBlitz
• Abenson
• Octagon

Pharmacies

• Mercury Drug
• Watsons
• Southstar Drug

Fuel

• Shell
• Petron
• Seaoil

If you’re searching for stores that accept GGives near me, SM malls and Puregold branches are the safest bets.

GGives Lazada, Shopee, and Online Shopping

Can I Use GGives in Lazada?

Yes. GGives Lazada integration works via GCash checkout. Select GCash, log in, then choose GGives.

How to Use GGives in Lazada

• Add item to cart
• Select GCash
• Choose GGives installment option

Can I Use GGives in Shopee?

As of 2026, Shopee does not support GGives. Shopee only allows straight GCash payments and promotes SPayLater.

How to Use GGives in Shopee

Currently not available.

GGives to Cash: Is It Possible?

GGives to Cash Explained

Officially, GGives to cash is not allowed. GGives is strictly for purchases.

How to Convert GGives to Cash (Unofficial Methods)

• Trader-based cash-out (10–20% fee)
• Dummy merchant transactions
• Refund exploitation via Lazada

⚠️ These methods are high-risk, often lead to scams, and may result in GCash account suspension.

How to Convert GGives to Cash Using Lazada

This method is not recommended and frequently blocked by fraud systems.

GGives to Bank Transfer, Maya, and Dragonpay

• GGives to bank transfer: Not supported
• GGives to Maya business: Only possible if the merchant QR is QRPh-enabled
• How to convert GGives to Dragonpay: Most workarounds are already closed

How to Pay GGives

How to Pay GGives in GCash

1. Open GGives dashboard
2. Select loan
3. Tap Pay
4. Use GCash wallet balance

How to Pay GGives Using Other GCash Account

• Go to Pay Bills
• Choose Fuse Financing Inc.
• Enter Loan Account ID

How to Pay GGives Without Using GCash

You can pay via:

• Bayad Center
• BDO
• Cebuana
• Palawan Pawnshop

Can I Use GGives to Pay Bills or GLoan?

• Can I use GGives to pay bills? ❌ No
• Can I use GGives to pay GLoan? ❌ No

Each GCash credit product is isolated.

GGives Referral Code and Promos

GGives Referral Code Free

GGives does not have a permanent referral code, but GCash runs limited referral campaigns offering:

• GCash credits
• GStars
• Discount vouchers

GGives Risks and Financial Advice

Key Risks:

• Over-borrowing
• High penalties for late payments
• Scams related to GGives to cash

Missed payments can affect your credit bureau record, limiting future loans.

Final Verdict: Is GGives Worth It?

GGives in GCash is one of the most powerful BNPL tools in the Philippines when used responsibly. With transparent interest rates, massive merchant coverage, and BSP regulation, it offers real value for disciplined users.

However, GGives should be used strictly for planned purchases, not as a cash substitute. Avoid gray-market cash-outs and always pay on time to protect your financial future.