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Una Cash

According to the BSP National Baseline Survey on Financial Inclusion, 97% of Filipino adults believe that saving money and having the means to save money is crucial. Yet, barely 43.2% have any savings, and 32.7% used to save but have since stopped.

So when unexpected financial circumstances occur, such as a family crisis or job layoff, Filipinos are expected to look for other ways to make ends meet. And because savings are not a widespread practice in their society, fast cash loans come into play, such as Una Cash which provides one of the most accessible and convenient means to avail of an online cash loan.

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Written by: Piggyy

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Loan Amount

Php 1000 - Php 50 000
3.7/5
3.7/5

Piggyy Rating

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Una Cash

Loan Term

2 - 6 months

Est. APR

% 194

Loan Amount

Php 1000 - Php 50 000
Pros
  • UnaCash offers a simplified application
  • Guaranteed approval time of up to 24 hours
  • Borrowers can receive an excellent rate and terms
  • Do not require opening a bank account
  • There are no hidden fees
Cons
  • There is a possibility of system error
  • Smaller maximum loan
  • Higher interest rates for borrowers with poor credit score
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Company Information

 

When it comes to financial assistance, informal loans or financial aid from relatives and friends are the most popular among Filipinos, followed by traditional banks. Today, however, there are online loans available in the country that are ready to provide faster and more convenient financial assistance to Filipinos with some much-needed cash for a short while or until their financial condition improves.

 

UnaCash is one of the most reliable online cash loan company available in the Philippines. It is an all-digital cash loan application that provides Filipinos with a convenient and smooth experience. In addition, it includes friendly interest rates and no extra fees – definitely a no-hassle application.

UnaCash is operating legally under Digido Finance Corp. with SEC Registration No. CS202003056 and Certificate of Authority No. 1272.

 

Una Cash is located at 15F The IBP Tower, Jade Drive, Ortigas Center, San Antonio Pasig City 1605. She can be reached through e-mail at [email protected] for queries and concerns regarding their products and services. 

 

Product Offered

 

Cash Loans

 

Una Cash offers Fast Loans, which, true to its name, can be approved within just 24 hours provided that the information and requirements submitted are complete.

Borrowers need only to download the Una Cash app through the Apple App Store or Google Play Store to avail of this product. Additionally, borrowers can apply from the comfort of their homes without the need to visit their physical branches. This saves them time and money – achieving the kind of convenience that only a very few lending companies offer. 

 

Borrowers will be able to enjoy the following loan features when they apply for a loan with Una Cash:

 

Loan Amount:  Php 1,000 to Php50,000

Interest Rate: 3% to 10% per month 

Loan Terms: 2 months to 6 months

 

Eligibility

  • The loan applicant must be at least 18 years old 
  • A Filipino citizen currently residing in the Philippines
  • Have a valid e-mail address and mobile number

 

Repayment Partners (Offline Stores)

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

 

Minimum Credit Score: Not Indicated

 

Why Choose Una Cash

 

Mobile-only banking

The ease provided by UnaCash’s mobile-only banking strategy allows its borrowers to save time. Thanks to UnaCash’s availability 24/7, borrowers can access their account or apply for a cash loan at any location at any time of the day – they can apply from the comfort of their homes, at any time of the day. 

 

Fast Approval

Apart from not requiring heavy documentation from its customers, another advantage of UnaCash is that it has a high approval rate. Once approved, the loan proceeds will immediately be available within only a matter of minutes. 

 

No Bank Visit Needed 

With UnaCash, borrowers can avoid in-person hazards, such as the pandemic-related health concerns that the rest of the world is currently facing. They can apply and receive the loan proceeds while enjoying the comfort and safety of their homes. They can also save time traveling from their homes or workplace to the branch, and having to go back and forth when they miss certain documents. 

 

Fast and Easy Repayment 

UnaCash ensures its customers that they will be able to enjoy its convenience and seamless process from the application to the repayment process. The borrowed funds can be repaid online or offline – whatever is most convenient for the borrowers thanks to UnaCash’s extensive connection with other stores. For those who have the facility to repay their loans online, they may do so through Gcash or online transfer. But for those who prefer and feel more comfortable paying over-the-counter, they may do so through Una Cash’s partner offline stores. 

 

Provides Loan Calculator 

Loan calculators are beneficial for borrowers who want to know whether getting a loan from traditional sources such as banks and online lenders like UnaCash is the best option for their financial circumstances and financial means. Borrowers can use this to assess whether they are better off with a higher interest rate over a longer-term or a lower interest rate over a shorter one. 

They can change the loan amounts, interest rates, and terms to find the amount of the monthly payments that work best for their budget. After all, getting a loan should help them financially and not bury them further in debt. 

 

Easy to Reloan

Borrowers are welcome to reloan with UnaCash; all they need to do is submit an e-mail with the necessary details, which can be found on their website. They are entitled to refinance for up to Php 50,000 provided they have established good credit history with the company. This is why borrowers must always be mindful of their due dates to ensure that the next time they take out a loan from Una Cash, they will secure better loan amounts and terms. 

 

No Need for Collateral

Borrowers of the Unacash app have the opportunity to obtain a loan of up to Php 50,000 without risking any of their property. However, they must provide proof of their financial capability to pay back the borrowed funds. Proof of income will be required for employed loan applicants, and an ITR or business permit may be necessary for self-employed loan applicants. 

 

Provides Reliable and Accessible Customer Service Platform

Unacash has 3 different ways of supporting its customer’s needs. Customers with any additional queries can send an e-mail at [email protected]. But if the customer has serious concerns and needs immediate attention or action, they may send a message to UnaCashs’s Facebook Chat or call the customer support hotline at (02) 85392143. 

 

Available to All 

UnaCash provides a fast loan that can be considered a multi-purpose loan. This means that for whatever reason a borrower may need immediate cash financing, Una Cash will be able to lend a hand provided that they meet all the eligibility and documentation requirements. 

Una Cash focuses on providing financial help to any Filipino adults who have an immediate need for funding. With or without a bank account, having a good or poor credit score, UnaCash offers an equal chance for everyone who wishes to improve their financial conditions – as long as their creditworthiness is verified.

 

How to Sign Up

 

Applying for a loan with Una Cash is very simple and requires only a few steps. Here are the following:

1
unacash 1

Click the Apply button below and Download the Una Cash app through the Google Play Store or Huawei app Gallery.

2
unacash 2

Provide your personal information such as name, date of birth, etc. Make sure to enter the correct information to avoid problems later on.

3
unacash 3

Using the loan calculator, select the amount that you wish to borrow and the repayment period that you prefer. When you feel comfortable about the monthly repayment amount, click on Apply Now.

4
unacash 4

Once submitted, the Una Cash team will start verifying the information provided. During this process, the borrower will only have to sit back and wait for the approval of the loan application.

5
unacash 5

Once approved, the money will be immediately credited to the account of the borrower through the disbursement method preferred. For more information about their loan, they can simply log in to their Una Cash account and view the details, including the repayment due dates.

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Frequently asked questions

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 a no-hassle application. 

What is the interest rate?

The interest rate may be from 3% to 10% per month depending on the client’s credit score. The installment is payable from 1 to 6 months depending on your chosen terms. 

Who can apply for cash loans?

In order to start using UnaCash, you need to:

  1. Be at least 18 years old Filipino citizen
  2. Have a valid e-mail address and mobile number
Do I need a bank account or credit card to start using UnaCash?

No, you do not need a bank account or credit card to use UnaCash. The loan approval will be based entirely on the borrower’s capacity to pay. 

What do I need for online repayments?

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

 

You can also 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 do not have an ongoing loan and you have a good credit standing, you can reloan anytime. 

 

Just send us an email at [email protected] 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)
How to repay?

For repayments through online banks, borrowers can follow these simple steps:

 

  1. Open the UnaCAsh app.
  2. Click “Loans” under “Products”
  3. Click” Make a payment”
  4. Select “CAsh In via Bank Account”
  5. Select your preferred bank.
  6. Enter the installment amount and click ”Next”
  7. Check the amount and fees and click “Next”
  8. You will be directed to Brankas

*Click “Approve” if you authorize the transaction or click “Deny” if you want to go back

  1. Log in to your online banking account.
  2. Select the account where your payments will be deducted.
  3. Check that the amount and transaction fees are correct.
  4. Congratulations! You are done paying your loan online.

 

For repayments through an over-the-counters partner, these steps can be followed:

 

  1. Open the UnaCAsh app.
  2. Click “Loans” under “Products”
  3. Click ”Make a payment”
  4. Select “CAsh In via Partner Outlets”
  5. Select your preferred outlets.
  6. Your Reference Code will be generated.
  7. Go to your selected partner store and provide the reference code.
  8. Pay the amount due

Conclusion

 

While savings are not always an option for Filipinos, having quick and easy access to financial services and products offered by financial institutions would be highly beneficial to them. With UnaCash providing Filipinos with affordable loan options, not only would they be able to overcome their financial troubles but they would also be better equipped to pursue a better life than they deserve – only if the borrowed funds were used for the right circumstances.  

 

Nonetheless, borrowers must ensure to have read the lender’s Terms and Conditions, Privacy Policy, Disclosure Statement, etc. before proceeding with the loan application for a deeper understanding, as always advised by UnaCash. 

Piggyy

״The secret of happiness, is not found in seeking more, but in developing the capacity to enjoy less״ - Socrates

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