GCash GLoan vs Maya GLoan Philippines 2026 — Which Is Better?

Both GCash GLoan and Maya GLoan offer instant cash without a payslip or bank account. But they're not equal. Maya GLoan has a lower APR (29.2% vs 32.8%), a higher risk score (74 vs 68), and BSP bank licensing. Here's the full comparison.

✓ Verdict: Maya GLoan wins on APR, risk score, and regulatory status. Choose GCash GLoan only if you don't have a Maya account.

Head-to-Head Comparison

FactorGCash GLoanMaya GLoanWinner
Risk Score68 / 10074 / 100Maya ✓
Real APR32.8%29.2%Maya ✓
Max Loan₱125,000₱125,000Tie
Approval SpeedInstantInstantTie
Payslip RequiredNoNoTie
Bank Account RequiredNoNoTie
DisbursementGCash walletMaya walletTie
SEC StatusRegisteredBSP-licensedMaya ✓
Complaint HistoryModerateLowMaya ✓
Limit for New Users₱5,000–₱20,000₱5,000–₱30,000Maya ✓

When to Choose Each App

Choose Maya GLoan if:

  • You already have a Maya account
  • You want the lowest APR among no-payslip apps
  • You prefer a BSP-licensed bank
  • You want a higher starting credit limit

Choose GCash GLoan if:

  • You already use GCash regularly
  • You don't have a Maya account
  • You need cash disbursed to GCash wallet
  • Your GCash account has a high GScore

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