UnaCash Review

Pros and Cons of UnaCash Loan



Key Points

UnaCash is one of those few online lenders offering a fast and convenient solution for Filipinos needing urgent funds. It has an intuitive and user-friendly app with competitive interest rates. Hence, it provides flexibility and diverse loan options. However, potential limitations such as eligibility criteria and app dependency should be considered. But overall, UnaCash Loan is a reliable choice for Filipinos seeking immediate financial assistance.

Features Details
Interest rate 0-16% nominal interest rate, 194% APR 
Loan Amount PHP 1,000 – PHP 50,000
Loan Tenure 2-6 months 
Approval Time 24 hours
Processing Fee None

Full Loan Review

UnaCash Philippines is a digital loan financing company that offers short-term loans to interested borrowers. The company is known to provide convenient and timely access to a loan and credit during emergencies. However, compared to some online lending services, UnaCash has pretty high-interest rates, though it’s fair enough considering the ease of access and low barrier of application. This creditor is available to Filipinos online without affiliating with any banks, so you won’t need a bank visit to request or process your loan.

What is UnaCash? 

It’s an online loan provider that offers credit with no hidden charges, zero bank visits, and no hassles. UnaCash allows its users access to extra funds during emergencies, as the funds are available within 24 hours of the request. It also offers reasonable interest rates and no additional fees, which makes it ideal for borrowers who seek urgent cash and would love to incur fewer costs and expenses in the process. The loan offers here have short repayment terms of 2 to 6 months, so you might want to opt for something else if you plan to pay for longer periods. 

The company came into existence in 2021 and has gained much reputation since then. Although it shares similar features with some local lenders, its services are pretty unique. You can get your credit needs here or request a personal credit line to fund your online installment shopping. UnaCash Loan is a legit establishment that’s registered and licensed under the Digido Finance Corporation, which is a subsidiary of Robocash, a group of financial companies based in Singapore. 

Company Name Digido Finance Corporation
Founder Robocash Group
Official Launch 2021
License number CS202003056

Loans provided by UnaCash 

UnaCash Philippines offers various types of loans to cater to the diverse monetary needs of Filipino users. Here are the types of loan offers you can secure by applying here:

Interest Rate for UnaCash 

The interest rate here depends on different factors. The nominal interest rate can vary, but there is a fixed APR of 194%. When compared to some lenders, the figure is quite high but still fair, considering the exceptional service UnaCash Philippines is known for. Depending on how long you wish to repay your loan, your interest may be higher or lower. For example, if you decide to go for a loan of PHP 2,000 and choose to repay it in more than 6 months. They’d have to pay a semi-monthly payment of 266.67 semi-month, then their total interest will be PHP 100 semi-monthly (at the APR of 194%).

UnaCash Cash Loan Requirements

Since this is more like a personal loan, you won’t face stringent requirements to qualify. UnaCash allows you to provide basic information and documents for verification and approval. If you have an existing loan with UnaCash Loan, you can still request a new one as long as you have a reputable history of repaying your loan. Although, we advise settling your current debt before applying for a new loan. 

Unlike some Filipino lenders, it does check your creditworthiness depending on the amount you wish to borrow. Below is a list of the basic requirements:

ID`s accepted by UnaCash

ID Type Name
e-Card UMID
Driver’s License Philippine Driver’s License
Philippine Regulatory Commission PRC
Postal ID Improved Postal ID
Philippine Passport Passport

How Can You Repay a Loan in UnaCash?

There are various methods approved for repaying your loans. You can choose between the list of available ones based on the most convenient one for you. The three major options to repay your UnaCash loans are listed and discussed below:

Exclusive Features of UnaCash Loan

With more than one million downloads on Google Playstore, it’s evident that UnaCash Loan is a reliable lender. It owes this remarkable success to its unique features that keep more users trooping in. Below are some special features:

UnaCash Customer Support 

In terms of responsiveness, UnaCash Philippines does have a good reputation. Its customer support team is resourceful and helpful to customers. However, you can only reach out to them via email ([email protected]) to get complaints and inquiries attended to on time. 

They also have no FAQ section on their website, which is one of the best support customers seek. Though they did replace this with a Blog page that provides useful information and updates for users. There are links to steps for applying for and repaying loans on the homepage. 

UnaCash Mobile Аpp Review

The UnaCash App is a highly convenient and user-friendly mobile app for managing your loan and transactions in the Philippines. The app boasts an intuitive user interface that makes navigation and accessing features a breeze. Its features, such as borrowing, sending, repaying the money, etc., are well-implemented and help provide a seamless experience for borrowers. 

UnaCash Mobile Аpp Review


The app’s usability is also quite commendable, with clear instructions and simple processes for account creation and transactions. It has security measures, like PIN code protection and identity verification, to inspire confidence in using the app for sensitive activities.

UnaCash Mobile Аpp Review

How Does the UnaCash App Work?

The UnaCash loan app works by providing users with a simple and convenient platform to apply for and manage loans. Here’s how it generally works:

UnaCash Mobile Аpp Review

UnaCash Mobile Аpp Review

How Do I Create a UnaCash Account? 

To create a UnaCash account and start applying for loans, follow the step-by-step instructions we’ve compiled below:

  1. Download the UnaCash mobile app from your smartphone’s app store (available for both Android and iOS).
  2. Open the app and tap on the “Sign Up” or “Register” button to begin the registration process.
  3. Enter your mobile phone number in the designated field and tap “Next.”
  4. Verify your phone number by entering the verification code sent to you via SMS.
  5. Provide your personal information, such as your full name, email address, and date of birth. Tap “Next” to proceed.
  6. Create a secure password for your UnaCash Philippines account and confirm it.
  7. Set up a 6-digit PIN code to enhance the security of your account. Confirm the PIN code.
  8. Review and agree to UnaCash’s terms and conditions, privacy policy, and other relevant agreements.
  9. Optionally, you may be asked to take a selfie or upload a photo of yourself for identity verification purposes.
  10. Once all the required information is provided, tap “Finish” or “Create Account” to complete the registration process.

Whom UnaCash Loan Suits Better?

UnaCash Loan is well-suited for Filipino users who require quick and hassle-free access to funds. It is an ideal choice for individuals facing urgent financial needs, such as unexpected medical expenses or emergency repairs. 

Its app has a streamlined loan application process coupled with fast approval and disbursement. So it’s appealing to those seeking immediate financial assistance. UnaCash Loan is also a beneficial option for anyone who prefers to enjoy the convenience of a digital platform. That’s because it allows you to avoid filing paperwork or making stressful visits to walk-in lending institutions.


Is UnaCash Loan legal in the Philippines?

UnaCash Loan is a legal online lending service in the Philippines. It is registered and regulated by the appropriate government authorities like the SEC, ensuring compliance with local laws and regulations.

Is it okay to pay in advance in UnaCash Loan?

Yes, it’s permissible to make advance payments on UnaCash Loan. Paying in advance can be beneficial as it allows borrowers to reduce their outstanding balance and potentially minimize interest charges

How do I edit information on UnaCash?

To edit information on UnaCash, log in to your account on the UnaCash app or website. Navigate to your profile or account settings, where you will find options to update and modify your details, contact number, and other relevant data.

How do you get approved for UnaCash Loan?

To get approved for UnaCash Loan, applicants need to provide basic documents like IDs, proof of income, and other necessary information during the process. Meeting the eligibility criteria and providing accurate information increases the chances of approval

What is the highest credit limit for UnaCash Loan?

The highest credit limit offered by UnaCash is PHP 50,000. But it varies for individuals and is based on factors like creditworthiness and repayment history. The initial credit limit will be determined during the online loan application process based on the borrower’s profile and financial assessment.

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