You can avail of a Maya Personal Loan (currently in early access) or Maya Easy Credit when you have an upgraded Maya account, are a Filipino resident aged 21-65, and actively use the app for transactions. Eligibility is confirmed through the app, with loan decisions and disbursement often arriving instantly or within 48 hours.
You may be eligible for Maya Personal Loan if you've met the following qualifications: You are at least 21 to 65 years old. You are a Filipino resident. You have an upgraded Maya account.
How long do I need to wait before borrowing from Maya Easy Credit again? You don't need to wait after borrowing from Maya Easy Credit as long as you have not yet used up your available limit. Since Maya Easy Credit is a revolving credit line, each payment you make replenishes your available limit.
Apply in 3 easy steps
To apply for a Maya Personal Loan, just follow these simple steps: Open the Loans dashboard on your Maya app. Tap Apply for a Loan on the Maya Personal Loan banner. View the introduction screen then tap Apply Now.
GCash is relatively simpler compared to the other in terms of usability. It suits well to the user who is entirely new to the world of digital wallets. PayMaya's interface is user-friendly but built more for the card services.
The minimum credit limit is P200 and the maximum is P30,000. Maya Easy Credit is a product of Maya Bank, Inc. Maya Bank Inc. is regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by the PDIC up to PHP500,000.00 per depositor.
What is the minimum and maximum loan that I can receive? You may apply for a loan from ₱10,000 to ₱250,000, subject to credit evaluation. Maya Personal Loan is a product of Maya Bank, Inc. Maya Bank Inc. is regulated by the Bangko Sentral ng Pilipinas.
Maya Easy Credit comes with a 30-day repayment term, making it ideal for short-term borrowing or quick financial gaps. Meanwhile, Maya Personal Loan allows up to 24 monthly installments, which works well for larger expenses when you need more time to repay.
How can I avail of GLoan?
If you have an account from any of these banks, you can transfer your cash loan directly to your account.
Own your spending with Maya
GCash is the leading eWallet in the Philippines, with over 55 million users paying bills, buying phone credits, and making payments, all within one app. Grab Pay is the developer of a super-app for ride-hailing, food delivery and digital payments services on mobile devices.
PayMaya has officially rebranded to Maya, but this change is more than just a name swap. With an all-in-one digital banking experience, Maya now offers seamless payments, savings, credit, and even crypto—all in one app.
For a $5,000 loan, you generally need a fair credit score (around 580-669), but a good score (670+) gets you much better rates; while some lenders accept lower, they charge higher interest, and some even offer loans for poor credit (below 580) with high rates, so checking lenders like Rocket Loans, LendingTree, and SoFi for specific requirements is key.
The monthly payment on a $4,000 loan ranges from $55 to $402, depending on the APR and how long the loan lasts. For example, if you take out a $4,000 loan for one year with an APR of 36%, your monthly payment will be $402.