UD Loans — loans online in Philippines

UD Loans is UnionDigital Bank’s fully digital lending product in the Philippines for eligible customers. It is an app-based loan service that lets approved users borrow and repay online without going to a branch.

Loan terms

• Loan amount: up to PHP 5,000
• Loans can be availed in 1, 2, 3, 6 and 12-month terms

Borrower requirements

• Must be an eligible customer under UD’s loan program.
• Loans are currently available only to customers who have a UnionBank savings account.
• Must pass the bank’s internal approval and identity checks.
• For some cash-loan offerings shown in app/store materials, one valid ID may be enough for initial access, but approval still depends on the bank’s review.

How it works

UD Loans is a fully digital loan program offered by UnionDigital Bank. Eligible customers apply online, receive approval inside the digital flow, and get funds after approval if the loan is granted.

The service is built for users who already bank with UnionBank/UD and want a fast, paperless borrowing process. 

How to get a loan

1. Make sure you are an eligible UnionBank or UD customer.
2. Open the bank’s digital loan channel and check your available offer.
3. Complete the online application form with your personal and financial details.
4. Submit any requested verification or supporting documents.
5. Wait for the bank’s credit review and approval decision.
6. If approved, review the loan amount, fees, and repayment schedule before accepting.
7. Receive the proceeds according to the bank’s disbursement process.

How to pay the loan

Repayment is handled digitally through the bank’s loan payment flow and guides. Borrowers should follow the schedule and channels shown in their loan account or statement.

To avoid late charges, keep enough balance in your linked account and pay on or before each due date. If you are unsure which repayment channel applies, use the payment guide in the bank’s official help section.