UnaCash CreditLine

  • Online cash loan amount = PHP 10,000
  • Term = 5 months
  • Interest rate = 13% per month
Get loan

0,43%

Loan rate per day

1800

Possible term days

50 000

Max amount PhP

10

Consideration mins
UnaCash CreditLine

UnaCash is an all-digital cash loan application that gives you a convenient and seamless loan experience with low interest rates.

And now, with the new UnaCash Credit Line, you can now spend an approved credit line amount on items from our connected merchants, with the option to pay in installments!

Use the UnaCash Credit Line to score items and discounts from our partner merchants such as Showtec, Ovendepot.ph, irentMo.com, evergrocer.com, Vpharma and many more.

No bank visits, no hidden charges, and definitely a hassle-free application! Get a fast loans in the comfort right now! Convenient cash loan app without leaving the safety of your home.

Online loan amount:

  • min PHP 2,000
  • max PHP 50,000

Loan terms:

  • min 2 months (at least 61 days)
  • max 6 months

Number of payments:

  • 2 times a month up to 6 months

Annuity interest rate:

  • UnaCash Loan 13% per month (0.43% per day)
  • UnaCash Credit Line from 0%

Disbursement fee:

  • PHP 0

No loan disbursement and/or servicing included.

Early repayment available any time after loan disbursement.

Accrued interest cannot be cancelled in case of early repayment.

Late Payment. The payment made beyond the stipulated due date shall be charged with an applicable late payment fee, which shall be computed from installment due date up to the date of actual payment. The Late Payment Fee – PHP 800.

Penalty. Upon failure of the Borrower for any cause whatsoever to pay any of the payments when due (single or installment payment), the Borrower hereby acknowledges that the entire outstanding balance of the Loan Amount shall, without need of demand, immediately become due and demandable. Any and all unpaid and demandable installment payments shall be subject to penalty charges at the rate of 10% per month (0.33% per day) until fully paid. In the event of the Borrower’s default, the Borrower shall pay the costs of collection of the Promissory

Note, including reasonable attorney’s fees in an amount not to exceed 50% of the amount due and payable, which sum shall in no case be less than PHP 25,000).


Maximum APR: 157%

Minimum period: 61 days

Maximum period: 180 days


The online cash loan cost is calculated:

Amount to be returned = Loan Amount + Interest Amount, where

Interest Amount = Loan Amount * Loan Period * (Rate in %)


Interest is accrued to initial loan amount and included into repayment, e.g.:

Online cash loan amount = PHP 10,000

Term = 5 months

Interest rate = 13% per month

Interest amount total = PHP 6,500

Repayment (bimonthly) = (10,000 + 6,500)/5/2 = PHP 1,650

Repayment (monthly) = PHP 3,300

Total amount to be paid by client = PHP 10,000 + PHP 6,500 = PHP 16,500


FAQs about UnaCash in Philippines

What is UnaCash?

UnaCash is an all-digital cash loan app that gives you a convenient and seamless experience with low interest rates. No bank visits needed, no hidden charges, and definitely no hassle application.

What is a Credit line?

Credit line is an approved amount of loan from UnaCash that you can cash out or spend to buy items from our partner merchants. It allows you to “buy now, pay later” from 0%* interest rate.

What is the interest rate?

The interest rate may be from 0% to 16% per month depends on clients credit score. The installment is payable from 1 to 6 months depending on your chosen terms.

What if I cannot pay on the due date?

If you cannot pay on your due date, we offer prolongation, which will give you another 4 days to settle your due payments to avoid a late payment fee of PHP800.00 and daily interest of 0.33%. You may email us at care@unacash.com.ph for your request and pay the PHP200.00 prolongation fee on or before your due date.

Who can apply for a cash loans?

In order to start using UnaCash, you need to:

  • Be at least 18 yrs old Filipino citizen
  • Have a valid e-mail address and mobile number

Do I need a bank account or credit card to start using UnaCash?

No, you don't need a bank account or credit card to use UnaCash.

What I need for online repayments?

You can pay online through GCash and online bank transfer in the app.

Pay offline at our partner stores:

  • 7-11
  • Bayad Center
  • Cebuana Lhuillier
  • M Lhuillier
  • The SM Store

How can I reloan?

We welcome repeat loans! As long as you don’t have an ongoing loan and you have a good credit standing, you can reloan anytime.

Just send us an email at care@unacash.com.ph with the following details:

  • Full Name
  • Email Address
  • Previous PN (Promissory Note) Number
  • Loan Amount (PHP 1,000 to PHP 50,000)
  • Loan Terms (1 to 6 months)


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All reviews UnaCash CreditLine

Adrian

March 07 2022

It's really cool app ???? Previously, I took out a couple of loans on another MFI's website. But the application turned out to be much more convenient. And the conditions here are more pleasant

Angel

February 20 2022

My friend recommended this app to me. I took 15,000 PHP for 2 months, got it in 3 hours

PNP

December 07 2021

low interest rates, modern and hassle-free app
Loan terms
First loan: 2 000 - 50 000 PhP
Maximum amount: 50 000 PhP
Loan term: 61-180 days
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UnaCash CreditLine website

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All reviews UnaCash CreditLine

Adrian

March 07 2022

It's really cool app ???? Previously, I took out a couple of loans on another MFI's website. But the application turned out to be much more convenient. And the conditions here are more pleasant

Angel

February 20 2022

My friend recommended this app to me. I took 15,000 PHP for 2 months, got it in 3 hours

PNP

December 07 2021

low interest rates, modern and hassle-free app
Similar offers
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First loan: Maximum amount: Loan term:
2000 - 40 000 PhP 40 000 PhP 60-720 araw
0.01% interest rate for new clients
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It will take only 10 seconds for us to send your application to 8 financial institutions in the Philippines

A single online loan application for all financial institutions in the country. Fill in a short form of a single online loan application in a minute. For free, we will select suitable partners, who are ready to issue a loan to you, and we will send them your data for consideration. You will get approval and money from one or several companies today!

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