Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: 1-855-832-7227
Service available 24/7

Operated by the innovative Digido Finance Corporation, UnaCash stands out as a cutting-edge mobile loan application. This platform is dedicated to bridging the financial gap by offering digital monetary solutions tailored for Filipino consumers who have historically been underbanked or overlooked by traditional financial institutions.

Loan parameters
  • Loan amount
    2.000 - 30.000 PHP
  • Interest rate
    0.3% per day
  • Term
    61 - 180 days
  • Age

Having made its debut in December 2021, UnaCash is relatively new to the market but has quickly garnered attention. It draws parallels with renowned local cash loan platforms such as Cashalo, JuanHand, and Tala in terms of its service offerings and user experience.

However, UnaCash isn’t just about cash loans. It goes a step further by introducing a distinctive personal credit line feature. This not only allows users to engage in online installment shopping, maximizing their purchasing power, but also grants them the convenience of topping up their Lazada wallet credits. This integrated approach positions UnaCash as a holistic financial partner for the modern Filipino, catering to a variety of their digital monetary needs.


Is UnaCash Legit?

For those wondering about the legitimacy of UnaCash Philippines, rest assured, the company functions within the legal parameters set by the country. Notably, UnaCash Philippines is registered with the Securities and Exchange Commission (SEC), underscoring its commitment to legal and ethical operations.

Registration No. CS202003056
Certificate of Authority 1272

If you’re contemplating downloading the UnaCash lending application and are uncertain about its authenticity, let your worries be alleviated. Given that the company adheres to official regulations, all its mobile applications are crafted to be in full compliance with the law. Thus, when engaging with UnaCash, whether it’s through their main platform or their mobile apps, you’re interacting with a legally compliant and trustworthy entity.

What are the UnaCash Loan Options?

UnaCash has firmly established itself as one of the Philippines’ premier fast loan apps in 2022, offering a seamless blend of speed and convenience to its users. The platform presents a versatile “Credit Line” that extends several financial solutions tailored for modern consumers.

Here’s a comprehensive breakdown of the UnaCash Credit Line offerings:

    • Get access to instant cash loans of up to PHP 50,000.
    • Once approved, conveniently transfer the amount directly to your bank account, ensuring immediate access to the funds.
    • Elevate your online shopping experience! Convert your UnaCash credits into Lazada Wallet credits.
    • Enjoy the vast array of products Lazada offers, making your shopping spree both enjoyable and hassle-free.
    • Unlock the power of 0% interest shopping.
    • With the credits at your disposal, explore a myriad of product categories from our affiliated merchants: delve into the latest gadgets, indulge in beauty and fashion, gear up with automotive tools, spruce up your home, stock up on groceries, and so much more!
  • With UnaCash, financial freedom is no longer a distant dream. Whether you’re in need of quick cash, eager to shop on Lazada, or eyeing that trendy item with a convenient installment plan, UnaCash is your one-stop solution.

    What are the Requirements for an UnaCash Loan?

    Considering an UnaCash loan? Navigating the requirements can be simple. While you don’t need a traditional bank account or credit card, there are some essentials to keep in mind to ensure a smooth application process.

    Basic Eligibility Criteria:

  • Nationality: Must be a Filipino citizen.
  • Age Bracket: Applicants should be between 21 to 60 years old.
  • Contact Details: A valid e-mail address and an active mobile number are mandatory.
  • Identification: Ensure you possess a valid government ID.
  • Income Proof: A consistent source of income needs to be demonstrated.
  • Detailed List of Acceptable Government IDs

    For a swifter approval process with UnaCash, it’s beneficial to have at least one of the listed IDs at hand:

  • Driver’s license
  • Philippine National ID
  • Passport
  • Enhanced postal ID
  • Professional Regulation Commission (PRC) ID
  • Social Security System (SSS) ID
  • Tax Identification Number (TIN) card
  • Unified Multi-Purpose ID (UMID)
  • Valid Proofs of Income

    Your source of income plays a pivotal role in the UnaCash application. Depending on your employment or business status, different documents are accepted:

    For Regular Employees:

  • Certificate of Employment (COE)
  • Recent payslip (within the past three months)
  • For Those Receiving Remittances:

  • Bank transaction records showcasing remittance details
  • Remittance slips dated within the last three months
  • For Entrepreneurs:

  • Small Business Owners: A valid Barangay business permit is required.
  • Medium to Large Business Owners: Applicable permits from the Mayor’s office, Securities and Exchange Commission (SEC), or the Department of Trade and Industry (DTI) will be needed.
  • By ensuring you meet the eligibility criteria and have the necessary documents on hand, you’re well on your way to a hassle-free experience with UnaCash loans.

    • User-Friendly App: With a high rating on the Google Play Store, it suggests that many users find the UnaCash app to be intuitive and easy to navigate.
    • Fast Loan Approval: As a digital platform, UnaCash likely offers quicker loan approvals compared to traditional lending institutions.
    • Versatile Loan Options: UnaCash provides various loan types, from cash loans to shopping credits, catering to diverse financial needs.
    • No Bank Account Needed: This is particularly beneficial for the underbanked population, providing access to financial services without traditional banking prerequisites.
    • Digital Documentation: The ability to upload documents and selfies directly through the app can simplify the verification process.
    • Multiple Repayment Options: With partnerships with popular stores and digital platforms, users have varied and convenient methods to repay loans.
    • High-Interest Rates: As with many quick loan apps, the interest rates might be higher compared to traditional bank loans.
    • Geographical Restriction: UnaCash is tailored specifically for the Philippine market. As such, its services and benefits are exclusive to the Philippines, limiting its accessibility to users outside this region.

    How to Apply for a Loan in UnaCash?

    Considering a loan through UnaCash? Here’s a detailed walkthrough to ensure a seamless application experience.

    Getting Started with Your First UnaCash Loan

    If you’re venturing into UnaCash for the first time, the process is straightforward. Just adhere to the following steps:

  • App Installation: Begin by downloading the UnaCash loan app. It’s readily available on the Google Play Store for Android users.
  • Account Creation: Once you’ve installed the app, launch it. You’ll be prompted to register. Complete the registration form to set up your account.
  • Details Submission: Accuracy is key. Enter all necessary personal details, including contact information, employment data, and any relevant income proofs. Ensure all details are current and valid to avoid any hiccups.
  • Identity Verification: For UnaCash to verify your identity, you’ll need to capture and upload a clear selfie. Additionally, ensure you upload a high-quality image of at least one accepted government ID.
  • Validation Process: After submitting your details, the UnaCash team will review and verify the information provided. This validation process typically concludes within a 24-hour timeframe.
  • Commence Your Loan Application: Once your account is verified and active, you’re all set to apply for a loan. Keep in mind that your permissible credit limit will hinge on UnaCash’s evaluation of your provided profile.
  • Navigating the UnaCash loan application process is as simple as following these steps, ensuring you’re well on your way to securing the financial assistance you seek.

    Guide to Applying for a Reloan with UnaCash

    UnaCash offers its valued clients the flexibility to apply for an additional loan, even if you’re currently servicing an existing one. However, maintaining a good credit reputation is crucial for ensuring your reloan gets approved.

    While UnaCash provides this flexibility, it’s worth noting that they recommend clearing any outstanding dues from previous loans to foster better financial health and to streamline the reloan process.

    Steps to Apply for a Reloan:

    1. Email Communication: Begin your reloan process by reaching out to UnaCash via email. Their dedicated team can be contacted at [email protected].
    2. Provide Essential Details: In your email, make sure to furnish the following pertinent information:
      • Full Name: Clearly mention your first, middle, and last name for accurate identification.
      • Email Address: Provide the email you’ve registered with UnaCash, ensuring smooth communication.
      • Previous Promissory Note (PN) Number: This helps UnaCash to promptly track your loan history and facilitates faster processing.
      • Desired Loan Amount: Specify the amount you wish to borrow. Remember, the maximum permissible amount is ₱50,000.
      • Loan Term: Indicate the duration for which you wish to borrow the amount. The maximum tenure available is up to six months.

    Taking these steps ensures a systematic approach to your reloan application, helping both you and UnaCash in making the process swift and hassle-free.

    Repayment Methods for UnaCash Loans

    UnaCash offers a variety of convenient offline payment methods to make your loan repayment process smooth and hassle-free. Here are the partner stores where you can settle your dues:

  • 7-11: The popular convenience store chain is readily available in many locations, making it a convenient option.
  • GCash: Use the digital payment platform to quickly clear your dues.
  • Bayad Center: Recognized as a trusted payment center, you can visit any of their outlets for repayment.
  • Cebuana Lhuillier: Renowned for their financial services, this establishment can also process your UnaCash repayment.
  • M Lhuillier: Another respected financial service provider where you can settle your UnaCash loan.
  • SM Store: Head to the customer service counters at SM Stores to process your payment.
  • UnaCash

    Addressing Unpaid UnaCash Loans

    If, for any reason, you find yourself unable to repay your UnaCash loan within the stipulated time frame, it’s essential to address the issue proactively:

  • Immediate Communication: Reach out to UnaCash without delay if you’re facing repayment challenges. Their team can be contacted at [email protected].
  • Timely Repayment: Always strive to repay your dues punctually. This not only helps maintain a healthy credit score but also prevents additional charges from accumulating.
  • Reminders: UnaCash values its clients and their financial health. If your payment isn’t settled by the expected due date, expect consistent reminders from UnaCash. These are designed to keep you informed and encourage you to settle any outstanding balances.
  • Being proactive and understanding your repayment options ensures a positive borrowing experience with UnaCash.

    Customer Feedback Overview

    After conducting a comprehensive search on UnaCash reviews, we found that customers have expressed significant satisfaction with their services in the Philippines. On the Google Play Store, the UnaCash app boasts an impressive rating of 4.8.

    We value your insights and experiences. If you’ve interacted with the UnaCash mobile app or have any opinions or reviews related to UnaCash Philippines, we encourage you to share your thoughts in the comments section below. Your feedback is invaluable to both prospective users and the UnaCash team!

    UnaCash reviews

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    Antonio Gonzales
    I have heard many reviews about the company and only positive ones. Fast clearance, friendly staff. Permanent promotions and pleasant bonuses. If there is no time to come to the office, you can apply for a personal card through the mobile application.
    Rosita Salazar
    All at the highest level. In my case, it is faster to contact AlLoansOnline than to friends or relatives
    Akmal Flores
    A loan can be obtained even from a mobile phone, thanks to a convenient registration form.
    Mark Dizon
    Clear work, very quick issue of money. The hotline has polite people who are ready to help you deal with the problem. Recommend.
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