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:
Loan terms:
Number of payments:
Annuity interest rate:
Disbursement fee:
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
In order to start using UnaCash, you need to:
You can pay online through GCash and online bank transfer in the app.
Pay offline at our partner stores:
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: