How Much is The 3rd Loan in GLoan Philippines?

How Much is The 3rd Loan in GLoan Philippines?

If you’ve already taken out your first and second GLoan from GCash, you’re probably wondering: how much is the 3rd loan in GLoan Philippines? As someone who has used GLoan multiple times and has also researched various loan apps in the country, let me give you a clear and strategic breakdown of what to expect. Whether you’re a trader needing quick capital or a salaried professional managing emergency expenses, this guide gives you everything you need to know — backed by experience and deep analysis.

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What is GLoan in the Philippines?

GLoan is GCash’s built-in loan feature that allows eligible users to borrow money instantly through their app. This digital lending tool has gained traction among Filipinos due to its fast disbursement, no-collateral model, and user-friendly interface. More importantly, it appeals to traders and self-employed individuals who may not qualify for traditional bank loans.

When you qualify for GLoan, you receive funds directly in your GCash wallet — usable for anything from online shopping to bill payments or even cash withdrawal. But the real question is, what can you expect from the 3rd loan offer from GLoan Philippines?

How GLoan Works: The First and Second Loan as the Baseline

Let’s start by understanding the progression. GLoan typically increases your loan amount over time as you build your credit profile with them.

• 1st GLoan: Usually ranges from ₱1,000 to ₱5,000

• 2nd GLoan: Can increase to ₱7,000 – ₱10,000 if you pay on time

Your 3rd GLoan is where things get interesting — you may qualify for as high as ₱15,000 to ₱25,000, depending on your repayment history and app usage.

💰 Your loan limit isn't static — it's based on dynamic factors like your:

• GCash activity

• GScore

• Repayment behavior

If you want to maximize your third GLoan, use GCash frequently (bills, cash in/out, investments) and always repay on or before due dates.

How Much is The 3rd Loan in GLoan Philippines Really Worth?

From my personal use and interviewing users across forums and Facebook groups, here’s the estimated range:

GScore Range Estimated 3rd GLoan Amount 400-500 ₱10,000 – ₱15,000 501-650 ₱15,001 – ₱20,000 651+ ₱20,001 – ₱25,000+

Keep in mind that GLoan does not publicly disclose exact formulas for loan limits. These figures are based on real user reports and patterns seen in the ecosystem.

💰 Tip: Ensure your GScore improves monthly. More transactions = better score = higher GLoan.

Pros of the 3rd GLoan in GCash

Let’s take a deeper look at what makes the third GLoan from GCash attractive:

🔍 Higher Loan Limits

By the third round, your limit increases substantially. If you’ve demonstrated good repayment behavior, expect ₱15,000+ approvals.

⏱ Fast Disbursement

Funds are credited instantly into your GCash wallet. No paperwork, no waiting.

💼 Flexible Usage

You can use your loan for:

• Trading capital 💲

• Emergency expenses

• Bills & utilities

• Groceries

💲 Interest Rates and Terms

• Interest: 1.59% to 6.57% per month (declining balance method)

• Loan amount: Up to ₱25,000

• Repayment terms: 3, 6, 9, or 12 months

• Disbursement fee: 0% to 3%

🕒 Quick Approval

No physical documents needed. Approval based on your GScore and behavior within the app.

Comparing GLoan to Other Loan Apps

GCash GLoan is just one of many apps available. If you're looking for Legit loan apps with low interest, there are alternatives worth exploring.

For instance, see this curated list of Legit loan apps with low interest. These offer competitive rates and longer terms.

For deeper insights into which app suits you, check out the Online loan app Philippines review.

Who is Eligible for the 3rd GLoan?

GCash will automatically notify you once you're eligible. But based on what I’ve observed, here’s what helps:

• Active GCash usage (monthly)

• Consistent top-ups and bill payments

• Full and on-time repayment of previous GLoans

• No suspicious activities or chargebacks

Maintain a healthy GScore, and you’ll likely be invited to your 3rd GLoan.

GLoan Tips From a Veteran User

As someone who has borrowed and repaid over five GLoans, here’s what I’ve learned:

• 💲 Always pay before due date — even a day early

• 💰 Don’t max out your entire limit — leave some room

• Use the loan for income-generating activities like online reselling or trading

• Take screenshots of every transaction for personal tracking

Looking for Bigger Loans?

If GLoan isn’t enough, consider exploring an Online loan with long-term payment Philippines. These apps provide higher limits and payment terms up to 18 months.

Also, review the Best loan app in the Philippines if you’re looking for features like refinancing, flexible terms, or zero disbursement fees.

Frequently Asked Questions About the 3rd GLoan

1. How much can I get for my 3rd GLoan in GCash?You may receive from ₱10,000 to ₱25,000 depending on your GScore and past repayment behavior.

2. How fast is the disbursement for the 3rd loan?It’s instant — credited to your GCash wallet within seconds.

3. Do I need to apply for it again?No. GCash will automatically notify you when you're eligible.

4. Can I use the loan for trading or investing?Yes, as long as it's within legal and GCash-approved platforms.

5. What if I miss a payment?Your GScore will drop, and you may lose eligibility for future loans.

6. Can I repay in advance?Yes. Early repayment may even boost your future loan limit.

7. Are there hidden fees?Watch for disbursement fees (up to 3%). No hidden fees beyond those disclosed in-app.

8. What’s the best way to increase my loan limit?Use GCash frequently, maintain a high GScore, and never miss a payment.

9. Can I apply for GLoan without a valid ID?No. KYC verification is required to access GLoan.

10. How many times can I re-loan in a year?As long as you repay fully and on time, there is no strict limit — eligibility is dynamic.

Final Thoughts

If you’ve successfully repaid your first two GLoans, your third GLoan opens a bigger door — more capital, more opportunities, and more trust from GCash. Use it wisely, repay diligently, and it can become a recurring source of quick funds when you need them most.

💲Ready to unlock your next GLoan? Click here to Get Loan Now!