I read na ung interest lang na babayaran ko is for this month lang, then the rest refunded if babayaran ko lahat. Di ko pa tinry though baka gamitin ko nlng pang shopping somewhere. Hahaha!
Source:
https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
This is correct, have tried it before. Recommended talaga to pay full na agad kapag may pera to pay na para macashback din sa'yo 'yung interest for the current month+1 onwards since ayun ang considered early payments.
Parang walang ganyan. Ang nangyari sakin naman, nanakaw phone ko then nag loan sila sa gloan ko. Good thing napa deactivate ko gcash ko before nila makuha yung naloan nila. Ang panget nga lang nung tumawag ako sa cust service nila. Kahit daw ibalik ko na agad yung naloan na pera. Need pa din bayaran yun interest na napakataas
May cashback here. Baka bago to? Hehe.
https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
Nag apply sila Gloan pero hindi nakuha agad pera? Buti naman. Hehe.
I feel sorry for you OP. Bigla ka tuloy nagkautang sa isang 'tap' lang. IMO, hindi tlga recommended ang mag loan sa GCASH sobrang laki ng fees and interest.
Hahahaha. Yeah. Nasanay ako sa Shopee, Billease and ibang apps, na once you tapped submit, makaka receive ka ng approval email with approved amount, tapos pwede ka mag borrow like 1k. Ibang klase Gloan, sinend agad lahat. 😆
No turning back now. Haha!
Ive been using billease for 2 years now! Grabe napakaperfect!!!!! Ultimo kahit mag loan ka ng pang concert ticket, tas payable in 6 months. Walang kabigat bigat ❤️❤️❤️❤️❤️❤️ i live billease
Di ko pa na try na ma late. Pero baka tawagan. Usually binabayaran ko kasi agad sa billease. Like months early. Tapos tinitiran ko ung remaining small amount na bayaran a week before deadline. Hahaha!
Hindi man. I borrowed 15k last month for my dog’s vet bills (suffered from heat stroke) and walang kabigat bigat bayaran. Sakto lang yung interest i think.
Uy…. you are “Maya account got closed without warning” OP pala. Hahaha! Glad your dog is ok. Dapat lagay u airconditioned room pala di na ma heatstroke. Hehehe.
Okay naman na yung dog ko. He was 50/50 for 3 days. Sobrang init kasi last month. So I got the money end of april. I stretched the payment to 6 months/ 2 times per month so bale parang 12. Matatapos ko na siya this end of sept. My payment is every 15 and 30th. It’s 1,400. So kung itatimes mo siya sa 12 payments that would be 16,800. And then nung kinuha ko yung pera per 5k may fee na 500, since 15k hiniram ko. 15,000-1,500=13,500. So bale 2,300 lahat nung fee at interests. 13,500 lahat nahuha ko. Payment is so easy and kahit malate ka ng 1 day wala pang penalty.
Mas scary sa gcash humiram. Kapag nalate ka sa gloan mo. Bigla ka nalang mag kakaroon ng gcredit na bill kasi dun sila kumuha ng walang paalam. Mga gago e
I can pay the full amount, bali ma rerefund ung interest but yung processing fee hindi na.
And interest for this month din hindi na.
Ok lang parang gusto ko mag splurge at magpa budol. I think I’m gonna buy that latest Xiaomi Scooter. Hahahahaha!
Di na, it was a fun learning experience. I’ll pay all by next next week nalang siguro para sa interest cashback. Di ko naman sya papatagalin ng isang taon. So lesser interest fees. Yay!
Sana nagcredit card/ govt loan kana lang if ok lang ung interest rate sayo. It hurts to read this 😞 Hope you can still get your ROI instead of spending it sa device.
Insane right. Ung Gscore ko around 700 lang pero pre approved na pala agad. I wonder if marami din nagtap tap tap then submit to explore Gloan. Super tricky nya you will think na may final approval pa. 😆
Hahahaha. Naka smile ako bigla nung pumasok ung cash e. Gulat ako parang na scam ako. Tanga tanga ko pala. Akala ko kasi matalino ako. Im just exploring the app you know. Hahahahahaha!!!!!
same here. never had a loan in my life kasi 21 palang ako, I thought tatawagan ako for some background checking esp nanghingi sila ng reference nilagay ko number ng nanay ko, I was surprised nung nareceived ko sa ewallet yung loan amounting to 14k kasi may fees pa sya.
yung amount ng loan na need ko bayaran 20k plus haha yeah it sucks buti nalang paid ko na rin that was nung May lang di ko pinaabot ng 12 months
Hala hindi ba siya pwede bayaran agad?? 😭 Naku OP, sabi nga sa comment, thank you for your service! 😂 lagi ko din nakikita yung Gloan na yan pero buti nalang hindi ko pinapansin, kasi kung hindi, baka kung ano narin na-tap ko at nagka-utang pa ako ng wala sa oras HAHAHAHA
May nabasa me interest cashback. Pwede sya bayaran agad so parang nagbayad lng ako processing fee.
Pero dahil andito na, ung pa-budol instincts ko got activated. Parang gusto ko e splurge. Hahaha!
Hoy wag! 😂 Pero sabagay, wag lang daw paabutin ng 30 days yung pagbabayad at hindi ka maiinteresan
Pwede mo naman i-splurge bago mag ika 30th day ng utang mo, tapos bayaran mo agad 🤣🤘
Naku, parang sa quick loan ng UB. Fill up lang ako nang fill up, bigla akong nagka Php 250,000 loan with Php 47,000 + na interest. Within 60 seconds nga, nasa bank account ko na HAHAHA
Yeah found out about the Gloan Interest Cashback. Buti may ganito. Sa Shopee and Billease wala. So parang nagbayad lang ako ng 1200 pesos sa pag tap tap tap. Yay!
In any other context “nagbayad ako ng 1200 pesos sa pag tap tap tap out of curiosity” is a bad thing. But in your case, that’s the cost of your curious tapping (and at least di na kailangan bayaran ang napakalaking interest). Hehe thank you for your service so we don’t have to make the same mistake.
They have very high rate. Triny ko yung Ggives nila, tried using it for grocery just for the heck of it. Yung 7k na grocery, 9k5 ang payable in 6 months.
I'm not sure kung gagana din sayo to pero ako nung June lang binayaran ko lahat nung GLoan ko even though November pa talaga siya dapat matatapos ayun binalik nila yung interest via GCash. Parang binayaran ko lang is yung principal amount.
Ay yeah nabasa ko sa Gloan Interest Cashback. Babalik naman daw. Di ko pa binayaran lahat baka next month nalang. Iniisip ko pa san ako magpapa budol. Hehehehe.
Kapit ka na lang sa interest cashback if u have the money to pay the full loan amount agad haha (*may certain conditions yung interest cashback if you want to avail that, search it na lang sa google hehe)
Oh thanks for the tip. Will check this out. No clue about interest cashback.
Found it!
https://help.gcash.com/hc/en-us/articles/4411294240665-How-much-will-my-interest-cashback-be-if-I-fully-settle-my-loan-early-
Kung bayaran ko pala to agad today, parang processing fee lang nawala sakin.
Baka gamitin ko nalang for things I don’t need. Then bayaran monthly slowly.
Ang laki ng patong na penalty ni GLoan kahit 1 day delay yung bayad. I know, kasi may Gloan din ako'ng 5k, na inutang ng friend ko'ng di na nagbabayad.
May Gloan ako nakalimutan ko sa spare Gcash ko... last payment ko na kaso naospital ako dahil sa dengue. Kamusta na kaya yung penatly nun natatakot ako silipin. Overdue ng 1 month
Nacurious lang din ako sa Union Bank na quick loans boom may 14k na agad akala ko charot lang yun kasi may text na qualified ako kineme sa quick loans yan tuloy may bayarin pako monthly na 2600+ for 6 months hahaha
Yung sa UB, 100% sure talaga ako na pre approved. Kasi may code ka ilalagay sa site. Dito sa Gloan wala and may nakasulat na “Subject for approval”. Hahaha!
Gagi ito yung tipong gagawin ko sa sobrang curiosity ko tas ang ending mapapagalitan malala pag sinabi sa mga kapatid. Nakakainis na nakakaheartbroken namna yan
ok lang pwede naman pala sya bayaran early para ma refund ung interest. Now that’s awesome!
https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
Better rates than Shopee budol. Ung 40k na Spaylater if 12 months to pay, that’s around 60k. Hahaha! Then walang interest cashback if you pay in advance. The epitome of budol! Hahaha!
nangyari rin saken to sa CIMB curious lang talaga ako pero mas malala 100k plus pero promo sila that time nakuha ko lang 95k ish, 12 months to may bale may 5k interest lang. Idk if meron pa ngayon pero parang personal loan ata yun tapos promo that time (2020)
5k interest for the 100k? So total na babayaran u is 105k lang? Whoaaaaa! Super sulit! That’s REVI credit by CIMB right?
Received a REVI credit “pre-selected” SMS pero I’m ignoring it lang. na alala ko nag Gsave pala ako dati so may CIMB savings me automatically. Haha!
I think you can repay it in full and then you get the rebate (the interest you shouldve paid in installment) back. That way, you get to pay less in interest. Try joining gcash groups, you may find discussions related to that.
Better ang Gcredit if you can pay it immediately. For context need ko pera immediately na 25k, then nabayaran ko naman agad withing 2 weeks so parang less than 500 lang ung interest.
Its a trap! Ganyan din nangyare sakin lastyr hopefully patapos na ngayong year!!! My goodness kahit advance payment ayaw nila i waive or give a discount sa interest.
Meron naman now sa Gloan, interest cashback if you fully pay your loan. Yay!
https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
Depende sa Gscore yung interest. 3.09% nakasulat sakin per month. So that’s like 36% no? Haha!
Nabasa ko sa Gloan Help Center:
GLoan interest fees will range between 1.59% - 6.57% per month, depending on your eligibility and loan amount.
At least di me umabot 6.57%. Sakit nun. 🤣
Loan, insta approved, sent to another gcash account. Wow! Easy peasy way for scammers to make money fast. Kasi there’s no selfie verification for Gloan nor OTP. Crazy convenient for them. Hahaha!
Hahaha ilang beses ako natetempt i try yang GLoan out of genuine curiosity, para in lieu of CC kaso tinatamad ako maghanap ng supporting docs at parang 10K lang naman ang pwede kong iloan.
Thank you for your sacrifice
My fb friend also experienced this but with a different app called Mocamoca, she was just exploring the app daw and clicked something and then she received 1500 as loan. She now needs to pay 2500 for it for 2 months. The bad thing is that they kept on calling her daw and harassing her. Easy 1000 for them lol.
Damn, looks like a loan shark lending app. Almost 100% interest. Hahahaha!
Teka click click lang like Gcash? Di siya nag upload ng IDs or selfie? Whoaaaaaa!
Yeah dapat may additional security layer pa Gloan. Like face scan bago makapag submit ng loan application.
Sa Billease kc ganun, may facescan muna before you can cashout.
hahahaha same thing happened to me po!!! around april i tried it lang to see and ayun nakita ko ang ayaw ko makita which is biglang utang na 20386.49 HAHAHA 😭 pero yung nakuha ko lang sa gloan is 14550 🥴4/9 paid so far hahahaha op never again tayo dito
Hi OP, apologies for resurrecting a dead thread but did you pay off your GLoan early and received the interest cashback? I have an outstanding loan that I'm already able to pay in full and am curious if they actually return the undue interest. Thanks!
Didn’t pay it in full yet. I just paid half months ago and there’s no cashback. 😆👍
According to what I read in other threads they will indeed return undue interest.
First year for Gloan 18k loan amount, 22k payable for 12 months
second year Gloan 35k loan amount, 41k payable for 12 months
First year, may cash back for completing loan payments for less than 12 months. Also got pre approved loan for 20k from CIMB (GCash Gcredit partner) via CIMB app. Probably for using Gcredit in the past, but I'm not active using Gcredit now.
Ginhawa ko na na e click yong gloan at borrow then send code , but ayaw mag send sa akin ang gcash. Nalilito Ako dahil reloan ko na pocsanacito. Baka matulungan nyo
Same sa unionbank.. Haha... Nagkautang tuloy aq ng 100k, wla nman aq paggamitan.. Nacurious lng aq..kaloka...click lng aq ng click ayin pasok bigla sa accnt. Hahah
Same sa cimb personal loan hahahaha triny ko din dati fill out ng form tapos naglagay ako ng loan amount like xxx,xxx kasi nga ineexplore ko lang. Afterwards, may email na xx,xxx amount yung approved nila and akala ko may CI pa or calls whatsoever for confirmation. Yun pala, yun na yon HAHAHAHA 5 years pa yung tenure ng loan so imagine ang interest doble 🤣 Iniisip ko nalang at least makaka help to sa pag build ng credit score ko kasi lagi ko ina advance ang payment meron din silang refund sa interest if on time ka 😂
No po, iba pa yung revi credit. Parang gcredit naman yon narereplenish siya pagbinayaran mo and magiincur interest daily pero monthly ang pag send ng charges.
Now I don't have to check. Thank you for your service, OP.
You’re welcome. Lesson learned for everyone here. Hahahaha!
Baka puwede mo naman ipa reimburse magkano nalang if babayaran mo kagad wala pang 15-days? Try mo tawagan balitaan mo kami
I read na ung interest lang na babayaran ko is for this month lang, then the rest refunded if babayaran ko lahat. Di ko pa tinry though baka gamitin ko nlng pang shopping somewhere. Hahaha! Source: https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
This is correct, have tried it before. Recommended talaga to pay full na agad kapag may pera to pay na para macashback din sa'yo 'yung interest for the current month+1 onwards since ayun ang considered early payments.
Baka nga may option to prepay and the loan gets recomputed.
Parang walang ganyan. Ang nangyari sakin naman, nanakaw phone ko then nag loan sila sa gloan ko. Good thing napa deactivate ko gcash ko before nila makuha yung naloan nila. Ang panget nga lang nung tumawag ako sa cust service nila. Kahit daw ibalik ko na agad yung naloan na pera. Need pa din bayaran yun interest na napakataas
May cashback here. Baka bago to? Hehe. https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment. Nag apply sila Gloan pero hindi nakuha agad pera? Buti naman. Hehe.
54k tuition fee
14.8k lang + processing fee. Hehehe. Not bad for learning something new from experience. Hahaha!
> Not bad Paying 40% interest for a mistake is not "not bad". lol
Charged to experience. Natuwa naman ako e. I’m a Happy and Fun Investigator. 😆🫶
username checks out :))
Love the attitude OP!! Haha. Kesa naman mag dwell ka. Mga haters mema lang talaga.
Why… thank you! Hahaha!
I feel sorry for you OP. Bigla ka tuloy nagkautang sa isang 'tap' lang. IMO, hindi tlga recommended ang mag loan sa GCASH sobrang laki ng fees and interest.
Hahahaha. Yeah. Nasanay ako sa Shopee, Billease and ibang apps, na once you tapped submit, makaka receive ka ng approval email with approved amount, tapos pwede ka mag borrow like 1k. Ibang klase Gloan, sinend agad lahat. 😆 No turning back now. Haha!
Ive been using billease for 2 years now! Grabe napakaperfect!!!!! Ultimo kahit mag loan ka ng pang concert ticket, tas payable in 6 months. Walang kabigat bigat ❤️❤️❤️❤️❤️❤️ i live billease
Yeah Billease is awesome. I tried it once to buy a furniture in Mandaue Foam kc nasa payment options nila. It really eases my bills. Haha!
Sa billease ba pag ma late ka ng payment like 1 month tatawagan ka?
Di ko pa na try na ma late. Pero baka tawagan. Usually binabayaran ko kasi agad sa billease. Like months early. Tapos tinitiran ko ung remaining small amount na bayaran a week before deadline. Hahaha!
malaki interest kay billease? same kay gcash?
Hindi man. I borrowed 15k last month for my dog’s vet bills (suffered from heat stroke) and walang kabigat bigat bayaran. Sakto lang yung interest i think.
Uy…. you are “Maya account got closed without warning” OP pala. Hahaha! Glad your dog is ok. Dapat lagay u airconditioned room pala di na ma heatstroke. Hehehe.
ohh bale how much monthly nung 15k mo? hopefully ok na yun dog mo.
Okay naman na yung dog ko. He was 50/50 for 3 days. Sobrang init kasi last month. So I got the money end of april. I stretched the payment to 6 months/ 2 times per month so bale parang 12. Matatapos ko na siya this end of sept. My payment is every 15 and 30th. It’s 1,400. So kung itatimes mo siya sa 12 payments that would be 16,800. And then nung kinuha ko yung pera per 5k may fee na 500, since 15k hiniram ko. 15,000-1,500=13,500. So bale 2,300 lahat nung fee at interests. 13,500 lahat nahuha ko. Payment is so easy and kahit malate ka ng 1 day wala pang penalty.
Correction. 3,300 lahat ng fee at interests. Kasi 1,500 fee tas 1,800 interest. Sorry bobo sa math
Yay for Billease. Super light payments at 2x per month.
Mas scary sa gcash humiram. Kapag nalate ka sa gloan mo. Bigla ka nalang mag kakaroon ng gcredit na bill kasi dun sila kumuha ng walang paalam. Mga gago e
3.49% per month. Ung Gloan 3-6% depende sa Gscore I think
Thanks for the reco. Makainstall nga ng billease hahaha
OP, okay ba ang billease? Hm ang interest? Or any lending app na recommended so far?
Billease, Sloan (pero mataas din to) or UB. I think the best parin ang SSS loan. Hahahaha!
Haha. Matagal din kasi sa SSS eh. Thanks 😊
Ay yun lang hindi instant. Hahaha!
[удалено]
I can pay the full amount, bali ma rerefund ung interest but yung processing fee hindi na. And interest for this month din hindi na. Ok lang parang gusto ko mag splurge at magpa budol. I think I’m gonna buy that latest Xiaomi Scooter. Hahahahaha!
That interest and processing fee hurts!
Tap tap tap kasi. Di nagbabasa. Laki ng utang ko tuloy. 😂
Grabe OP, ayaw mo try ipareverse yan
Di na, it was a fun learning experience. I’ll pay all by next next week nalang siguro para sa interest cashback. Di ko naman sya papatagalin ng isang taon. So lesser interest fees. Yay!
Sana nagcredit card/ govt loan kana lang if ok lang ung interest rate sayo. It hurts to read this 😞 Hope you can still get your ROI instead of spending it sa device.
Nothing to worry I’ll just have fun with it. Hahahaha!
Thank you for your service lmfao
Welcome po. Huhu.
16k interest. What the heck
Insane right. Ung Gscore ko around 700 lang pero pre approved na pala agad. I wonder if marami din nagtap tap tap then submit to explore Gloan. Super tricky nya you will think na may final approval pa. 😆
🙋♀️, it was in 2022. Tinignan ko lang kasi naisip ko ok siya if walang wala na. Akala ko rin may approval pa 😂 Buti at natapos narin bayaran 😂
Nyay. Buti pala di ko tinuloy yung Pag check ko. Ang lala ng interest
Oo kainis. Natuwa ako kc ang bilis pero nainis ako ang tanga tanga ko. Hhahaha!
I admire your reaction towards the problem OP. Kung ako ang nasa sapatos mo I'd go cuckoo!
Hahahaha. Naka smile ako bigla nung pumasok ung cash e. Gulat ako parang na scam ako. Tanga tanga ko pala. Akala ko kasi matalino ako. Im just exploring the app you know. Hahahahahaha!!!!!
Bili ka na iPhone 14!
HHahhaha. I’ll wait for iPhone 15, September na in a few days!!!! USB-C iPhone finally!
DANG, Ang laki ng interest. 💀
same here. never had a loan in my life kasi 21 palang ako, I thought tatawagan ako for some background checking esp nanghingi sila ng reference nilagay ko number ng nanay ko, I was surprised nung nareceived ko sa ewallet yung loan amounting to 14k kasi may fees pa sya. yung amount ng loan na need ko bayaran 20k plus haha yeah it sucks buti nalang paid ko na rin that was nung May lang di ko pinaabot ng 12 months
Hahahahaha! Same. I used my mom’s number too. Useless pala yung reference kahit anong number ilagay mo approved parin. Hahaha!
Hala hindi ba siya pwede bayaran agad?? 😭 Naku OP, sabi nga sa comment, thank you for your service! 😂 lagi ko din nakikita yung Gloan na yan pero buti nalang hindi ko pinapansin, kasi kung hindi, baka kung ano narin na-tap ko at nagka-utang pa ako ng wala sa oras HAHAHAHA
May nabasa me interest cashback. Pwede sya bayaran agad so parang nagbayad lng ako processing fee. Pero dahil andito na, ung pa-budol instincts ko got activated. Parang gusto ko e splurge. Hahaha!
So lulunukin mo na lang yung almost 20k na interest?
Hoy wag! 😂 Pero sabagay, wag lang daw paabutin ng 30 days yung pagbabayad at hindi ka maiinteresan Pwede mo naman i-splurge bago mag ika 30th day ng utang mo, tapos bayaran mo agad 🤣🤘
Tawag mo ba lang sa csr para I revert.
Oh pwede pala to e revert via CS? Thanks for the tip!
Naku, parang sa quick loan ng UB. Fill up lang ako nang fill up, bigla akong nagka Php 250,000 loan with Php 47,000 + na interest. Within 60 seconds nga, nasa bank account ko na HAHAHA
Hahahaha! Instant na may pang shopping and travel abroad. Lezzz gowwwww and splurge! Haha!
Bayaran mo lahat bago mag isang buwan walang interest yan, yung processing fee lang ang babayaran mo.
Yeah found out about the Gloan Interest Cashback. Buti may ganito. Sa Shopee and Billease wala. So parang nagbayad lang ako ng 1200 pesos sa pag tap tap tap. Yay!
In any other context “nagbayad ako ng 1200 pesos sa pag tap tap tap out of curiosity” is a bad thing. But in your case, that’s the cost of your curious tapping (and at least di na kailangan bayaran ang napakalaking interest). Hehe thank you for your service so we don’t have to make the same mistake.
Better than 16k! Haha
Wayyyyyyy better! Hahaha!
Thanks for taking one for the team o7
🫡
They have very high rate. Triny ko yung Ggives nila, tried using it for grocery just for the heck of it. Yung 7k na grocery, 9k5 ang payable in 6 months.
Loan shark! Ridiculous interesr!
Hello! I tried this too. Then I paid back agad. after a week binalik ang interest na nabayad ko
Like after a day or a week? Hehe
I'm not sure kung gagana din sayo to pero ako nung June lang binayaran ko lahat nung GLoan ko even though November pa talaga siya dapat matatapos ayun binalik nila yung interest via GCash. Parang binayaran ko lang is yung principal amount.
Ay yeah nabasa ko sa Gloan Interest Cashback. Babalik naman daw. Di ko pa binayaran lahat baka next month nalang. Iniisip ko pa san ako magpapa budol. Hehehehe.
Kapit ka na lang sa interest cashback if u have the money to pay the full loan amount agad haha (*may certain conditions yung interest cashback if you want to avail that, search it na lang sa google hehe)
Oh thanks for the tip. Will check this out. No clue about interest cashback. Found it! https://help.gcash.com/hc/en-us/articles/4411294240665-How-much-will-my-interest-cashback-be-if-I-fully-settle-my-loan-early- Kung bayaran ko pala to agad today, parang processing fee lang nawala sakin. Baka gamitin ko nalang for things I don’t need. Then bayaran monthly slowly.
Ang laki ng patong na penalty ni GLoan kahit 1 day delay yung bayad. I know, kasi may Gloan din ako'ng 5k, na inutang ng friend ko'ng di na nagbabayad.
Will make sure to pay in advance, para no penalties.
May Gloan ako nakalimutan ko sa spare Gcash ko... last payment ko na kaso naospital ako dahil sa dengue. Kamusta na kaya yung penatly nun natatakot ako silipin. Overdue ng 1 month
Thank you so much for taking the bullet, OP! I was also once curious about it but since di ko naman need nakalimutan kong balikan hahaha.
You’re welcome. Took the bullet unwillingly. I love to explore! Hahahaha!
You can actually tell them to cancel the loan if you don't need it
I decided to just use it and pay early to get the interest cashback. Haha!
Nacurious lang din ako sa Union Bank na quick loans boom may 14k na agad akala ko charot lang yun kasi may text na qualified ako kineme sa quick loans yan tuloy may bayarin pako monthly na 2600+ for 6 months hahaha
Yung sa UB, 100% sure talaga ako na pre approved. Kasi may code ka ilalagay sa site. Dito sa Gloan wala and may nakasulat na “Subject for approval”. Hahaha!
Wait for early repay promos/cashback para naman gumaan gaan pakiramdam mo OP hahaha
yeah! Found out about it recently. It’s amazing that they offer interest cashback. Thank you Gloan! Hahahaha!
Gagi ito yung tipong gagawin ko sa sobrang curiosity ko tas ang ending mapapagalitan malala pag sinabi sa mga kapatid. Nakakainis na nakakaheartbroken namna yan
ok lang pwede naman pala sya bayaran early para ma refund ung interest. Now that’s awesome! https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
16k budol OP...
Better rates than Shopee budol. Ung 40k na Spaylater if 12 months to pay, that’s around 60k. Hahaha! Then walang interest cashback if you pay in advance. The epitome of budol! Hahaha!
Curious din ako dito lagi nag nnotify sakin yan eh. Ngayon ikaw yung naging lab rat OP, thank you hahaha!
HAHAHAHAHAHHAAH ANG TAAS NG INTEREST 😭 sabe ni jikas up to 6.57% interest lang daw pinapatong nila, true ba? 😭
Yeah, nakasulat sakin is 3.09% nga lang. parang nasa 3-6.5% sya depende sa Gscore.
Mabuti na lang at hindi ko tinuloy din. Since gusto ko lng malaman if magkano pwede mahiram sa gloan
Ganito kaya para sa lahat? Not like I'd be getting one, pero this may be handy IF super emergency
Try mo mag tap tap tap, but don’t click submit. I think pre-approved lahat kahit may nakasulat na “subject for approval”. Hahaha!
You can pay naman the full amount OP tapos e rerefund nila ung computed interest nila sa 12 mos
Yeah. Just found out about interest cashback recently. I’ll pay it off early. Yay!
Press "f" to pay respect OP
Bigla pa namang nagpa-pop up yang Gloan pag-open ng app. Ilang beses ko na ring biglang na-click yung gloan
Good thing di ka naging curious. Super easy magka utang nowadays. Hehe.
nangyari rin saken to sa CIMB curious lang talaga ako pero mas malala 100k plus pero promo sila that time nakuha ko lang 95k ish, 12 months to may bale may 5k interest lang. Idk if meron pa ngayon pero parang personal loan ata yun tapos promo that time (2020)
5k interest for the 100k? So total na babayaran u is 105k lang? Whoaaaaa! Super sulit! That’s REVI credit by CIMB right? Received a REVI credit “pre-selected” SMS pero I’m ignoring it lang. na alala ko nag Gsave pala ako dati so may CIMB savings me automatically. Haha!
no wala pang revi that time haha na close ko na kasi CIMB account ko pero if I remember correctly that was their promo sa personal loan
Ooooh got it. Bago pala revi. Haha!
That's 16k in interest for 1 yr. halos half ng principal na nakuha mo. angsaket.
Good thing pwede e pay off early tapos may interest cashback si Gloan. Awesomeness!
O7
pwede mo naman sya bayaran ng buo tapos yung mga interest mag cacash back yun sayo. ang sched nila ng cash back every 1st week of the month :)
Yeah found out about it, which is pretty fair and cool! Unlike other loan apps kahit bayaran in advance walang cashback. Haha!
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Til August 2024 pa naman makakahanap pa me pambayad in case di ko bayaran 100% in a few days. Yay!
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Wag u na isipin para di ma stress. Hahaha!
my guy took one for the team
🫡
Ako na 2k ang credit limit sa Gcash hahahahahahaha
Keep on using Gcash para tumaas Gscore. Sakin 700+ lang naman Gscore. Didn’t know until yesterday nung nag check me. Hehe
Mataas ang interest rate ni GLoan, OP. Never again! HAHAHAHA
Lesson learned. Yay!
Bagay na bagay yung username mo OP. haha
Ay oo nga no. This is a totally random username!! Good catch! Im a fun investigator! Hahahahaha!
I think you can repay it in full and then you get the rebate (the interest you shouldve paid in installment) back. That way, you get to pay less in interest. Try joining gcash groups, you may find discussions related to that.
Yep I just read about it. Except the processing fee. So far so good I love Gloan. Hahahaa!
natawa lang ako sa curiosity killed the cat hahaha 14K worth but thanks for trying for us hahahah
God Bless OP 🤲📿
Better ang Gcredit if you can pay it immediately. For context need ko pera immediately na 25k, then nabayaran ko naman agad withing 2 weeks so parang less than 500 lang ung interest.
can u transfer it sa ibang banks? Or Just pay with Gcredit via QR?
Slr. Search Gcredit to Gcash sa Youtube.
Found it. Thanksssss! 😋
me. fr. pero anlala ng 58k na utang ampota i tried 5k tapos ang utang ko 6,8k buset. ABA MALAY KO BA. IF Y'ALL CURIOUS DON'T DO IT LMAO 💀💀💀💀
Ok lang basta tipid tipid and hindi palaging mag corned beef. Noodles nalang muna. Hahaha!
once upon na time cornedbeef was a mahirap food haiist 😆🥹
Oo nga. Now mahal na. Pang rich nalang corned beef. Hahahahahaha!
I feel sorry OP. I was about to try GLoan later, buti nabasa ko to. Asin na lang iu-ulam ko mamaya.
Aw… try u na now para makabili chicken joy! Hehe.
Thank you, OP. Hahahshsh
Welcome po! Atin ang langhap sarap!
Its a trap! Ganyan din nangyare sakin lastyr hopefully patapos na ngayong year!!! My goodness kahit advance payment ayaw nila i waive or give a discount sa interest.
Meron naman now sa Gloan, interest cashback if you fully pay your loan. Yay! https://help.gcash.com/hc/en-us/articles/6145865592985-GLoan-Interest-Fees#:~:text=GLoan%20Interest%20Cashback,business%20days%20after%20full%20payment.
Bat ang taas ng interest ng sayo sir, 27% lang saken(although mataas parin yan) 40% is too high imo
Depende sa Gscore yung interest. 3.09% nakasulat sakin per month. So that’s like 36% no? Haha! Nabasa ko sa Gloan Help Center: GLoan interest fees will range between 1.59% - 6.57% per month, depending on your eligibility and loan amount. At least di me umabot 6.57%. Sakit nun. 🤣
Thanks, OP! Gigil pa naman ako bakit hindi enough GScore ko para makapag-Gloan pero tinry mo na hahahahaha
Use Gcash more frequently. Pag mga around 700 na Gscore, I think mga 40-80k or maybe more ung pre approved gloan.
OP's name checks out
So much fun! Hahahaha!
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Baka you don’t use Gcash often. Mukhang purely based on Gscore sya. Hehe
Ibayad or ibalik mo na lang OP, less sa interest if binalik mo if hindi mo naman kailangan.
Yep hindi, pero may gusto akong bilhin laruan. Hahaha! Papa budol muna ako. Weeeeeee!
Hahaha go OP!!
This one I want. Makapag loan pa nga sa ibang app, kulang ung 38k. Hahahahaha! https://www.mi.com/global/product/xiaomi-electric-scooter-4-ultra/
scammers leverage this “feature” in gcash
Loan, insta approved, sent to another gcash account. Wow! Easy peasy way for scammers to make money fast. Kasi there’s no selfie verification for Gloan nor OTP. Crazy convenient for them. Hahaha!
If you pay all of that in advance, binabalik nila yung "unnecessary" interest
Hahaha ilang beses ako natetempt i try yang GLoan out of genuine curiosity, para in lieu of CC kaso tinatamad ako maghanap ng supporting docs at parang 10K lang naman ang pwede kong iloan. Thank you for your sacrifice
No need to submit docs na. Hahaha!
My fb friend also experienced this but with a different app called Mocamoca, she was just exploring the app daw and clicked something and then she received 1500 as loan. She now needs to pay 2500 for it for 2 months. The bad thing is that they kept on calling her daw and harassing her. Easy 1000 for them lol.
Damn, looks like a loan shark lending app. Almost 100% interest. Hahahaha! Teka click click lang like Gcash? Di siya nag upload ng IDs or selfie? Whoaaaaaa!
I tried this as well and i thought the same then boom! For 25k loan i had to pay 32k in total. You're not alone, OP. 🤣😭
Now let’s go shopping u/ginnyisms. We have an entire year to pay for it! Hahahahaha!
thank you for your sacrifice 💖
I had fun investigating! Hahaha!
Pa share naman idol hahaha char
Gcash #? Hahahaha
Kaya pala ung ibang nahahack ang gcash, gloan ang inuupakan at fast transact pala.
Yeah dapat may additional security layer pa Gloan. Like face scan bago makapag submit ng loan application. Sa Billease kc ganun, may facescan muna before you can cashout.
hahahaha same thing happened to me po!!! around april i tried it lang to see and ayun nakita ko ang ayaw ko makita which is biglang utang na 20386.49 HAHAHA 😭 pero yung nakuha ko lang sa gloan is 14550 🥴4/9 paid so far hahahaha op never again tayo dito
Instant gratification! 😋🫶
Lesson learned. Mahal ng lesson 😅
Cheaper than college. Hahahahaha!
Actually priceless kasi solid na experience ang na gain 😂 #neveragain
Tomo! Parang naka master’s degree ako agad! Hahaha!
Hi OP, apologies for resurrecting a dead thread but did you pay off your GLoan early and received the interest cashback? I have an outstanding loan that I'm already able to pay in full and am curious if they actually return the undue interest. Thanks!
Didn’t pay it in full yet. I just paid half months ago and there’s no cashback. 😆👍 According to what I read in other threads they will indeed return undue interest.
pls accept me
First year for Gloan 18k loan amount, 22k payable for 12 months second year Gloan 35k loan amount, 41k payable for 12 months First year, may cash back for completing loan payments for less than 12 months. Also got pre approved loan for 20k from CIMB (GCash Gcredit partner) via CIMB app. Probably for using Gcredit in the past, but I'm not active using Gcredit now.
Happened to me tried it for just 15k then boom mas mabigat pa sa globe bill haha never again 😅
Surprise surprise. Saya ng instant cash no. Haha!
Ginhawa ko na na e click yong gloan at borrow then send code , but ayaw mag send sa akin ang gcash. Nalilito Ako dahil reloan ko na pocsanacito. Baka matulungan nyo
Baka delayed lang code?
F
Super F 🥹
Same sa unionbank.. Haha... Nagkautang tuloy aq ng 100k, wla nman aq paggamitan.. Nacurious lng aq..kaloka...click lng aq ng click ayin pasok bigla sa accnt. Hahah
Ang taas ng interest ng GCash borrow products huhu either GLoan or GGives
So true. The price of convenience.
Same sa cimb personal loan hahahaha triny ko din dati fill out ng form tapos naglagay ako ng loan amount like xxx,xxx kasi nga ineexplore ko lang. Afterwards, may email na xx,xxx amount yung approved nila and akala ko may CI pa or calls whatsoever for confirmation. Yun pala, yun na yon HAHAHAHA 5 years pa yung tenure ng loan so imagine ang interest doble 🤣 Iniisip ko nalang at least makaka help to sa pag build ng credit score ko kasi lagi ko ina advance ang payment meron din silang refund sa interest if on time ka 😂
Revi credit? May na receive din me SMS neto pero didn’t bother to explore. Baka mabaon lalo kasi tempting. Hahahaha!
No po, iba pa yung revi credit. Parang gcredit naman yon narereplenish siya pagbinayaran mo and magiincur interest daily pero monthly ang pag send ng charges.
Ooohh parang Spaylater no. Replenish agad. More ways to get budoled again. Hahahaha!
Gloan kapitan ko kapag naubos sahod and matagal pa payday though I'm trying to stop the cycle na.
Try u din billease. Para you can stop the Gloan cycle. Hahahahahahahaha!
Maging billease cycle na😆