UnaCash Loan Philippines Review: Legit or Scam, Requirements, Apply, Repayment, Contact and More


In this professional review, we delve into the features, benefits, and potential drawbacks of UnaCash Loan, a prominent fast cash loan app in the Philippines. Our evaluation covers various aspects of the platform, including its legitimacy, loan application process, credit line, interest rates, requirements, repayment methods, customer service, and a comparison with other loan apps. By the end of this review, readers will have a comprehensive understanding of UnaCash Loan’s offerings and be better equipped to make informed financial decisions.

Overview of UnaCash Loan

UnaCash Loan is a reputable online lending platform licensed by the appropriate authorities in the Philippines. It provides borrowers with the convenience of applying for loans quickly and effortlessly through their mobile phones, computers, or other internet-connected devices. The loan amounts range from 1000 to 50,000 PHP, and the repayment terms can span from 2 to 6 months. Additionally, UnaCash Loan adheres to a reasonable interest rate of 16% per month.

Pros and Cons of UnaCash Loan


  • Polite Harassment: UnaCash Loan stands out for its professional approach to collections, ensuring respectful communication with borrowers.
  • Effective Loan Process: The platform’s online application and approval process is efficient and user-friendly.


Small First Loan Amount: For first-time borrowers, UnaCash Loan offers a relatively small loan amount, which may not meet all financial needs.

UnaCash Loan Requirements

To be eligible for an UnaCash Loan, applicants must be Filipino citizens aged between 18 and 65 years, with a valid email address and a two-way active phone number. For the first loan, borrowers are required to provide personal information and a photo of a government-issued ID.

UnaCash Loan Application Process

  • Download the UnaCash App from the provided link.
  • Enter your phone number and verify it through the code sent via text message.
  • Create a strong password and a 4-digit PIN or fingerprint password.
  • Fill in personal information in the registration form.
  • Take a personal portrait and submit a photo of the chosen ID.
  • Provide career-related information and any income proof documents if available.
  • Await approval, which is usually received within 24 hours.

UnaCash Loan Interest Rates

UnaCash Loan offers a variable interest rate ranging from 0% to 16% per month, depending on the loan amount and the borrower’s credit score. First-time borrowers can benefit from a special 0% interest rate for their initial loan.

Example of Interest Rate Calculation

For instance, if a borrower applies for a 20,000 PHP loan for 4 months at an interest rate of 12% per month:

  • Principal amount payable per month: 20,000/4 = 5,000 PHP
  • Interest payable per month: 20,000 x 12% = 2,400 PHP
  • Total amount payable per month: 5,000 + 2,400 = 7,400 PHP

UnaCash Loan Repayment Methods

UnaCash Loan provides borrowers with flexible and convenient repayment options. They can make payments through various channels, including online banking services like BDO, BPI, PNB, UnionBank, Metrobank, RCBC, or Payment Centers such as 7-Eleven, Bayad Center, LBC, M-Lhuillier, SM Retail, Cebuana, and GCash.

UnaCash Loan: A Comparative Analysis

We compare UnaCash Loan with other popular loan apps in the Philippines based on essential criteria, including loan limits, tenor, interest rates, age requirements, and application processing time. The table below highlights the comparative analysis:

Loan App UnaCash App Finbro Loan Digido Loan
Loan Amount (PHP) 1,000 – 50,000 1,000 – 50,000 500 – 30,000
Term (Months) 2 – 6 1 – 12 3 – 6
Interest Rate (%) 0 – 16 15 – 37.5 12
Age Requirement 18 – 65 20 – 65 21 – 70
Application Time 15 minutes 15 minutes 5 minutes
Review Rating (1-10) 9 9 8

UnaCash Loan App Customer Service

Customers can reach out to UnaCash Loan’s customer service through Digido Finance Corp via the following contact information:

  • Contact Number: 0915245468 (Available from 8:00 am to 5:30 pm, Monday to Sunday)
  • Email: care@unacash.com.ph
  • Address: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City

FAQs – UnaCash Loan App in the Philippines

This section addresses frequently asked questions about UnaCash Loan and provides detailed responses:

Is UnaCash Loan legit?

Yes, UnaCash is a legitimate online cash loan application authorized by Digido Finance Corp. It holds SEC registration number CS202003056 and Certificate of Authority No. 1272. The platform is committed to maintaining borrower information confidentiality and transparency regarding limits, terms, interest rates, and fees.

How to reset the password in UnaCash?

To reset your UnaCash login password, follow these steps:

  • Open the UnaCash app and select “Forgot Password.”
  • A confirmation code will be sent to your registered phone number.
  • Reset your password (8 to 34 characters with at least 1 digit and both uppercase and lowercase letters).
  • Confirm the new password and click “Confirm.”

How to pay UnaCash via GCash?

Paying UnaCash via GCash is a simple 5-step process:

  • Access the UnaCash app and select your active loan.
  • Click on “Make and Pay.”
  • Choose “Cash in via partner outlets.”
  • Select GCash as the payment option.
  • Enter the reference code and the amount due for payment. Timely payments help avoid harassment from UnaCash.

How to use UnaCash?

To utilize UnaCash, download the app to your phone, open it, and follow these steps:

  • Enter your phone number and create a strong password.
  • Fill in your personal information to register.
  • Utilize the approved credit line to make purchases or withdraw cash to your bank account.

How to cash out from UnaCash?

After receiving approval from UnaCash, follow these steps:

  • Select the approved limit and the UnaCash loan option.
  • Provide your bank account information to receive the disbursement.
  • The money will be transferred directly to your account on the same day.

How to use UnaCash credit line?

To use the UnaCash credit line for online purchases with 0% interest, follow the same steps as for the loan application, but instead of selecting the UnaCash loan, opt for “Buy online with 0% interest.” Select the store and purchase the desired item within the approved limit, similar to using a credit card.

Conclusion – Should You Apply for UnaCash Loan in the Philippines?

UnaCash Loan emerges as one of the most reliable online loan platforms in the Philippines. With its high loan limits, reasonable interest rates, and extended repayment options, it caters to borrowers with diverse financial needs. Considering its positive ratings and user-friendly application process, UnaCash Loan can be an excellent choice for individuals seeking fast cash loans in the Philippines.

5/5 - (9 votes)
cashexpress Changed status to publish July 29, 2023