Reviews
Online Loan Apps Updated: 14. 04. 2026

UnaCash – review 2026

4,0 / 5

UnaCash is a SEC-registered online lender offering cash loans from PHP 2,000 to PHP 50,000 with a monthly interest rate starting at 3.50%, targeting employed and self-employed borrowers seeking fast liquidity without collateral. The app processes applications within minutes using automated identity verification and credit scoring based on submitted documents and phone data. Loan proceeds are disbursed to a GCash wallet or bank account.

Pros

  • Fast approval – decisions within 10 to 60 minutes
  • Loan ceiling of PHP 50,000 higher than most app lenders
  • No collateral required
  • Available to both employed and self-employed
  • SEC-registered lending company

Cons

  • Monthly rate from 3.50% – higher than bank personal loans
  • Minimum age requirement is 21 years
  • Requires access to phone contacts for some users
  • Short available repayment terms up to 6 months
  • Rejected applicants must wait before reapplying

Requirements

  • Filipino citizen aged 21 or older
  • Valid government-issued ID
  • Active Philippine mobile number
  • GCash wallet or bank account
  • Proof of income – payslip, COE or business permit

Company information

Name
UnaPay, Inc.
Address
Paseo de Roxas, Makati City, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.