How to Pay Pesoloan Using GCash in the Philippines

By Pesoloan Editorial Team · Published 01/11/2026

Repaying through GCash is convenient, but small mistakes, such as a wrong reference number or a payment sent to the wrong account, can leave your loan looking unpaid. This guide explains how to prepare, how a typical GCash repayment works, and how to protect yourself from fake payment instructions.

What Pesoloan Publishes About Repayment

The Google Play listing says several repayment options will be offered to you so you can choose the one that suits your needs. It does not list the channels in the store text. Third-party reviews written in earlier years describe channels such as GCash, 7-Eleven, M Lhuillier, RD Pawnshop, QR code and bank transfer, but those pages are not run by the company and the options can change.

The reliable source is the repayment screen in your own app, which shows the options and instructions available for your loan. If GCash appears there, you can use it. If it does not, do not assume it works.

Before You Pay

1. Check the due date and amount. Open the loan screen and note the amount due and the due date. If you are late, check whether a penalty applies. See our article on the Pesoloan overdue payment penalty.
2. Confirm the repayment option. Look for the repayment or "pay now" section in the app.
3. Copy the reference exactly. Repayment instructions usually include an account, biller or reference number tied to your loan. Copy it from the app instead of typing it by hand.
4. Check your GCash balance. Make sure you have enough to cover the amount and any transfer fee.

Typical GCash Repayment Steps

The exact steps depend on what the app shows, but a GCash repayment generally looks like this:

1. Open your Pesoloan app and go to the repayment option.
2. Select GCash if it is offered, and read the instructions.
3. Open GCash and choose the payment method the instructions describe, such as paying a biller or sending to a named account.
4. Enter the biller or account details and the reference number exactly as shown in the app.
5. Enter the exact amount due.
6. Review the details, and confirm.
7. Take a screenshot of the receipt, including the reference number, date and time.
8. Return to the app and check whether the loan status updates.

Use the biller name and details given in the app. If something differs from what you expect, stop and contact support before paying.

Keep Your Receipt

A receipt is your proof of payment. Keep:

• a screenshot of the GCash confirmation,
• the transaction reference number,
• the date, time and amount,
• a screenshot of the loan status before and after payment.

Store these until the loan is fully closed and the app shows a zero balance. If you ever need to dispute an entry, receipts are the first thing regulators and credit bureaus ask for. Our article on Pesoloan and the CIC explains how to dispute a wrong credit entry.

If Your Payment Does Not Show

Payments can take time to post. If the app still shows your loan as unpaid:

1. Wait a short while. Allow some time for the payment to be matched.
2. Check the details you used. Confirm the reference number and amount against your receipt.
3. Contact support. Email support@pesoloan.ph with your registered phone number, the receipt, the reference number and the date and time. The company also publishes hotline numbers, which are listed on our contact page.
4. Do not pay twice yet. Paying again without checking can mean overpaying.
5. Keep following up in writing. Save every reply.

One App Store review shows why this matters. A borrower said that after paying to an account number they believed belonged to the company, the loan still showed as unpaid and overdue. We cannot verify that account, but it illustrates why you should only use details displayed inside the app.

Protect Yourself From Fake Payment Instructions

• Pay only through the channel shown in the app. A person who sends you an account number by chat or text may not be from the company.
• Check the name. Before confirming a transfer, check that the account name matches what the app shows.
• Be careful with "special discounts." Messages offering to cancel a loan for a lower cash payment to a personal account are a common trick.
• Never share your OTP or PIN. Payment does not require them.
• Use only the published contact channels. See our guide to online lending scam red flags.

If You Cannot Pay on Time

Contact the lender before the due date and ask about options. Our guide to debt collection rules and your rights explains what lenders may and may not do. And if you are comparing lenders before you borrow, you can use our online loan comparison hub to look at repayment channels alongside amounts and terms.

Next Steps

If repayment convenience matters to you, see other lenders and their terms before you borrow.

FAQs

Sources We Checked

• Pesoloan on Google Play
• Pesoloan on the App Store
• Pesoloan loan-process page
• Finanso: Pesoloan review (third-party description of repayment channels)

Pesoloan Editorial Team. We research online lending in the Philippines and check company and registration details against public SEC records before publishing. Our articles separate documented facts from user reports and list their sources. Learn more on our author page and in our editorial policy.