Company Information
UnaPay is among many alternative credit companies that provide monetary assistance to financially distressed Filipinos. UnaPay is run by Digido Finance Corp., a duly licensed Financing Company with SEC Registration No. CS202003056 and Certificate of Authority to Operate as a Financing Company No. 1272.
Its headquarters is located at 15F The IBP Tower, Jade Drive, Ortigas Center, San Antonio, Pasig City 1605, and can be contacted via email at [email protected]. UnaPay accepts inquiries and applications from 8:00 AM to 10:00 PM, every Monday through Sunday, including holidays.
In addition, UnaPay loan offers are open for all Filipino individuals, with or without pending loans on other applications, as long as they have met all the requirements and conditions set by UnaPay.
There are over 5,000 UnaPay customers that use the App every day, they boast an average loan approval amount of Php20,000 and provide loan approval only within 24 hours, making UnaPay a preferred partner for all of the customer’s needs.
Products and Services Offered
Salary Loans
Salary loans are short-term unsecured loans designed to help people when they need extra funds to make ends meet to finance essential expenses such as the following:
- Medical Emergencies
- Home Improvements
- Education
- Business Needs
- Medicines
- Bill Payments
- And Many More
To determine the loan amount for salary loans, the basis is usually the borrower’s gross monthly pay. And with employers partnering up with finance companies like UnaPay, they guarantee that their employees can make the most out of their borrowing – a better interest rate, higher loan amount and a more flexible payment term.
Loan Features:
Loan Amounts: Maximum of Php100,000
Interest Rate: 3% to 16% per month depending on the client’s credit score
Loan Terms: Maximum of 12months
When employees apply for a salary loan with UnaPay, they guarantee the following advantages for both the employee and the employer:
Employee:
- Employees can apply for a UnaPay Salary Loan online with only minimal paperwork.
- They can avail of flexible loan rates and terms, making it easy to pay back the loaned amount.
- Loans can be disbursed in as fast as 24 hours, provided that all documents submitted are complete and the verification is completed. This means that when they need it the most, they will have access to emergency funds quickly.
- They can apply for a salary loan with UnaPay even if they have an existing loan, just as long as they still have the financial bandwidth to pay for an additional loan.
Employer:
- Being an UnaPay partner company is entirely free of charge.
- There’s no liability when an employee leaves the company with an outstanding UnaPay Salary Loan. However, an outstanding loan can be deducted from an employee’s final pay.
- It reduces the attrition rate and improves employee satisfaction based on feedback from their existing partner companies.
- There is only minimal work for HR as all applications can be done online.
Eligibility
- All regular employees of UnaPay partner companies are eligible for an UnaPay Salary Loan.
- 21 to 60 years old
- Must be a Filipino citizen
Requirements
Apply for UnaPay Salary Loans with only two (2) documents:
- Valid Philippine Government ID
- Proof of Income (The list of acceptable documents can be found on the Una Pay website)
Buy Now And Pay Later By Installments
Introducing this product to the market has allowed Filipinos to have access to a loan when they most need it. Combining the pandemic and the sources of income decreasing, paying in full for things that they need urgently has become difficult.
To get approval of this product, borrowers can request an amount for in-store purchases from the App or online and complete the form in 5 minutes. UnaPay will only need 2 documents to be submitted along with the questionnaire: 1 valid ID and Proof of Income. Then, within 5 minutes, the loan will be approved, and the borrower can proceed to buy the stuff they need.
Shopping Loan Features
Loan Amount: Php2,000 to Php50,000
Interest Rate: 3% to 10%
Loan Repayment
The borrower can choose from 3 options for repayments: Online, Offline, or Bank Deposit.
Online
Offline
- 7 Eleven
- Cebuana Lhuillier
- M Lhuillier
- LBC
- Bayad Center
- SM Stores
Bank Deposit
The information for repayment through bank deposit is shown below:
Account Name: DIGIDO FINANCE FINANCE CORP. Account Number: 0001 5002 8325
Take a screenshot or download the pdf copy of the proof of successful fund transfer and Indicate the following details and send it to [email protected]:
- Subject: Loan Payment
- Body of the email:
- Customer Name
- PN Number
- Amount Paid
Lazada Loan Online In The Philippines
One of the most significant rises in the Philippine economy is the presence of online shopping sites such as Lazada. People have started to rely on Lazada for most of their shopping needs because of the ease and convenience of using the App and the low prices they offer. But, unfortunately, some people cannot afford anything above their basic needs. This is why a Lazada loan is an excellent option for addressing their other needs.
Loan Features
Loan Amount: up to Php50,000
Interest Rate: 5%
Loan Term: 1 to 6 months
With Lazada Loan Online, UnaPay has divided the monthly payments into two (2) dates so that Filipinos no longer have to worry about paying for their purchases at once. Once they are approved of the Lazada loan, the proceeds can be withdrawn using the Lazada Wallet to pay for the items they have selected.
Lazada Loan Application
- Loan applicants must first ensure that their Lazada Wallet has been activated. This is because UnaPay will be crediting the loan proceeds in their wallet and the payment method used when they check out their chosen items.
- The application process can be completed within 5 minutes through the website, and the approval can be made within 10 – 30 seconds.
Following are the requirements for the Lazada Online Loan application:
- 1 valid ID
- Proof of Income
Note: In the application process, the borrower must ensure that they have the documents uploaded and ready to submit since once the application has been started, they cannot go back to the previous steps.
Why Choose UnaPay
Easy to Apply
Those interested in UnaPay products do not have to download the UnaPay App to apply for any of their loan products since borrowers only need to visit the company’s website and fill out the online application form, which takes approximately 5 to 10 minutes. Therefore, they need not worry about not having a smartphone or not having enough memory in their phone to download the application.
Offers Convenience
With UnaPay, borrowers no longer have to deal with traffic and long lineups as applications can be made anytime and anywhere in the country, provided they have the necessary devices, requirements, and a stable internet connection to avoid errors.
Fast Disbursal
This one is the major benefit offered by UnaPay. Once the application has been approved, the loan will be deposited directly into the borrower’s account within 24 hours.
Minimal Documentation
UnaPay only requires basic and minimal documents that include proof of the borrower’s identity, address, and income – all of which should be scanned so that the borrower can easily upload them online.
Free Financial Literacy Seminar
Apart from affordable interest rates and flexible repayment terms, employees whose applications are granted can also receive a free financial literacy seminar as one of the benefits of UnaPay. They would not only be able to receive financial help to cover short-term needs, but they would also gain education about effective money and debt management.
How to Sign Up
Signing up for a loan with UnaPay is very easy and simple. Through their website, they can complete the application process through the following steps:
Visit the UnaPay website and choose the product that they are interested in. Click on Apply.
Enter your active mobile number and click on Verify for the UnaPay team to be able to verify your loan application later on.
Once your mobile number has been verified, you will be able to set up your account and choose a password that will be required each time you log in the next time.
Upload 1 valid ID required for the application and then confirm the details required for the PEP declaration.
Fill in the details required such as your personal information, address, and financial information. Also be sure to upload the identification required along with a selfie with the submitted valid ID.
Provide an emergency contact information and then click on next to complete the application process.
Frequently asked questions
What is the officially accepted Primary ID?
What will happen if I do not repay my installment?
What is the officially accepted Proof of Income?
Why can't I upload my photos?
How can I assure the safety and security of my account's information?
Someone is using my account, what should I do?
Where else can I shop using UnaPay?
What are the other fees and charges charged by UnaPay?
Conclusion
UnaPay is among the online loan providers in the country from which Filipinos can choose to avail themselves of digital financial services. It provides the best financial solution for Filipinos who require immediate funds to purchase items they might be interested in or simply cover important expenses. They only need to apply online, wait for the loan approval, receive the borrowed funds, then spend it for whichever purpose it may serve. For the time being, UnaPay is only available through its website, with Lazada serving as its sole shopping partner.
Its financial services and products may be limited for now, but people in the Philippines can be rest assured that UnaPay is striving to expand its scope of businesses in order to serve them with every financial assistance they need.
Piggyy
״The secret of happiness, is not found in seeking more, but in developing the capacity to enjoy less״ - Socrates
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