Una Cash — loans online in Philippines

UnaCash app is your trusted Buy Now, Pay Later service. Shop for your dream gadgets, appliances, and furniture from our wide range of partner merchants across the Philippines! Get the best deals with product loans up to Php 50,000 and interest rates as low as 0%.

Convenient cash loan application without leaving the safety and comfort of your home.

• Apply for a loan up to PHP 50,000
• Loan Terms from 1 to 6 months
• Fast loan approval (within 5 minutes)
• The down payment may range from 5% to 15%

Who can apply for a cash loans?

These are the requirements:

• One valid Philippine government ID (Driver's license, National ID, SSS, UMID, Passport, TIN ID)
• 21–65 years old
• Filipino Citizen
• One character reference

How to Apply for a cash loan?

You can start your loan application by visiting UnaCash's retail partner stores and scanning the in-store QR code.

• Fill in your personal data
• Select the loan terms
• Wait for the approval
• Get your money

How to pay?

Using your Lifetime ID. You will receive an SMS or email with your generated Lifetime ID. Use this as your reference number to pay directly through our payment partners.

Generate a Dragonpay reference number. 

Unacash app:

1. Open Unacash app & tap "Pay" button.
2. Review loan details, enter preferred amount & tap "Pay".
3. Choose payment option from dropdown.
4. A reference number will be generated.

For e-wallet:

1. Take note of your Lifetime ID or Dragonpay ref number.
2. Open e-wallet > Bills Payment
3. Search DRAGONPAY
4. Enter Lifetime ID or your Dragonpay ref number and pay loan

For over-the-counter

1. Take note of your Lifetime ID or Dragonpay ref number.
2. Provide your Lifetime ID or your Dragonpay ref number at your selected payment establishment.

For ATM Banking

1. Take note of your Lifetime ID or Dragonpay ref number.
2. Visit an ATM affiliated with your bank, follow the on-screen prompts to input your Lifetime ID or your Dragonpay ref number when instructed.

For Online Banking

1. No need for a Lifetime ID or ref number Follow Option B (steps 1-3).
2. You will be redirected to your preferred online banking channel.

Is UnaCash legit?

UnaCash is a product of Digido Finance Corp., an entity regulated by the Securities and Exchange Commission with Registration No. CS202003056 and Certificate of Authority No. 1272.

Representative example: You apply for PHP 20,000 and choose repayment over 6 months, your semi-monthly payment will be only PHP 2,666.67 semi-month, your total interest will be PHP 1,000 semi-monthly (APR = 194%)