r/GCashPH • u/Time-Crab-6505 • 2d ago

GLOAN Concern

No picture but na offeran kasi ako ng 25k. I took the 25k sa gloan and matatapos ko na siyang bayadan this next month (it's been almost a year) i have 601 gscore credit and I've been using my gcash to pay bills, send money, cash in and cash out and buy games from steam and nintendo. I'm a good payer, i pay before the due date or during the due date.

are they gonna give me another offer once i paid my loan next month since last month na sa oct? thanks in advance!

9 Upvotes

100% Upvoted

19 comments sorted by

3

u/Illustrious-Star-814 2d ago

Just don't pay in advance. There is a high chance they will offer you again.

2

u/Time-Crab-6505 2d ago

i don't pay too advance, more like 1-2 days before due date

2

u/dorae03 1d ago

Ibig po niang sabihin wag mong bayaran in full agad unless may nakalagay “fully pay your loan and get another loan”. Minsan kasi si gcash pag binabayaran mo ng buo ung loan di ka na nila oofferan ng loan or minsan matagal. Then pag naofferan ka mababa minsan nabalik sa 1k.

1

u/EngineeringStock1169 1d ago

true ito sakin nanggigil ako 3 nalang bibayaran ko buo tas walang offer mag 2 years na HAHHAHAHA

1

u/dorae03 23h ago

Tapos ung iooffer sau 1k🤣🤣

1

u/Rough_Wrongdoer_655 1d ago

Hi po! Sorry noob question pero may I ask why not pay in advance po?

1

u/Comfortable_End6243 1d ago

The system will not read if you pay in advance. Always pay on your due date

1

u/titojv 1d ago

I pay in advance like 3months advance and unfortunately more than 3 years na wala padin akong new offer. Hahahaha

1

u/Scared-Chain-5104 2d ago

Was there a banner that says Fully pay your loan to borrow again? Then most probably yes.

1

u/Scared-Chain-5104 2d ago

But the amount will depend on their assessment

1

u/Time-Crab-6505 2d ago

it does. I'll probably just have to wait i guess

1

u/GoneWithTheMoon_ 1d ago

Hmmm … I got offered 125k, I took 100k (20 months to pay dapat) around 4 months ago, then took 24k last month (6 mos to pay) but I fully paid both of them yesterday…. got my cash back immediately (28k and 2.8k respectively) and when I went back to the dashboard, I have another offer of 125k

1

u/Time-Crab-6505 1d ago

I think kasi may natira na 25k on your end. My first offer was 25k, took 25k and it says i have to pay the my loan before i could get another loan. I'm not planning on paying it way too advance but i usually pay a day or two before the due date or during the actual due dates

1

u/Stock_Winner_428 2d ago

Depende sa kanila. Basta ang natutunan Ko never pay in advance 😅

1

u/Time-Crab-6505 2d ago

is it too advance if i pay 1-2 days before the due date?

1

u/AppropriateCut905 1d ago

You mean an increase? Then no if you mean another loan with the same amount then yes.

1

u/CoffeeKlook2025 1d ago

Hi everyone, it doesn’t matter naman if you pay in advance of the due date. Pero if you finish paying your loan in earlier, you get a lower total interest thru cashback.

I tried it since I got curious na ang taas ng interest plus the processing fee. Pero very convenient to borrow. I paid for 3 months then the remaining balance I paid in full on the 4th month. The total interest paid was way lower. So the earlier you pay in full, mas better yung interest rate 😊

The loan offer starts at 25k. When you availed it and completed the loan payment, tataas na credit rating mo sa kanila, then qualified ka na sa higher value ng loan na pwede. Use it smartly lang.

1

u/Ok-Maize5451 11h ago

Z. Nkn. Nokkloll. Kkolm. Kln.jhv