GCash, through its lending arm Fuse Financing, has disbursed a total of ₱287 billion in loans as of end-June 2025, underscoring the rapid growth of digital lending in the Philippines.
The platform now serves 9.5 million borrowers, offering credit products such as GLoan, GGives, and GCredit.
GCash president and CEO Oscar Enrico Reyes Jr. said the milestone reflects the company’s mission of providing “fair, accessible, and dignified lending solutions” to Filipinos, especially those excluded from traditional banking.
Industry analysts point to accessibility as a key driver of GCash’s success. Unlike banks that require paperwork and credit history, GCash uses alternative data and AI-driven risk tools to assess borrowers.
This has allowed first-time borrowers, micro-entrepreneurs, and informal workers to access funds conveniently through their mobile phones.
With over 94 million registered users, GCash integrates borrowing into daily financial activities such as payments, savings, and investments.
This seamless ecosystem makes it easy for small businesses to restock inventory or for individuals to spread the cost of essential purchases, the company said.
Fuse’s competitive rates and transparent terms also set it apart from informal lenders, encouraging responsible borrowing.
By supporting micro, small, and medium enterprises (MSMEs), GCash loans are helping drive economic activity at the grassroots level.
In an interview with The Philippine STAR, Reyes said: “We want to show that lending can be fair, accessible, and dignified. By providing a digital alternative to informal lending, we empower Filipinos to pursue opportunities and achieve financial progress.”
