How to apply?
Being fully digital, the application process at Unacash is relatively straightforward. At Unacash, you may not only take a loan but also purchase online in their partner stores.
- Download the Unacash app from Google Play (if you use Android) or App Gallery (if you use Huawei) and open it.
- Enter your phone number and wait for an OTP notification.
- After confirmation, enter a 4-digit PIN that you will be using whenever you want to access your personal account. You can also create a biometric log in to make logging back in easier.
- Click on Unacash limit.You will see the list of all the documents you can use. Choose the one you have and click Next.
- Fill out the PEP declaration form and click on Confirm.
- Provide your personal information (name, mother's maiden name, mobile number, date and place of birth, email, geder, civil status, source of funds, nationality) and click on Next.
- Provide your address and click on Next.
- Provide your emergency contact and click on Next.
- Take a clear photo of yourself (you may reshoot it if needed right in the app) and click on Next.
- Choose the type of ID you have and take a clear photo of it. Fill in your ID number and click on Next.
- You will be offered an online calculator. Choose the amount you need and click on Request money.
- Provide the information on your job (monthly income, company name, position, and industry). Click on Next.
- Take a photo of your proof of income document. Click on Send application.
After this, you can wait for the decision. Unacash will take some time to establish whether you qualify for the loan amount you applied for. You will be notified through the app once the loan has been approved and transferred to your account.
Purchase online
Apart from taking a loan, you may also purchase items from the Unacash partner stores. To do this, follow these steps:
- Click on Unacash limit
- Choose Buy online
- Choose the partner store and start shopping
- After you chose what you want to buy, click on Buy nowand choose the period of time for which you will pay off the purchase. Click on Next.
- Study the documents for this loan (terms and conditions, disclosure statement, promissory note, amortization schedule) and click on Buy.
Requirements
To qualify for a loan with Unacash, you need to be at least 18 years. You must also be a Filipino citizen with a valid ID and proof of income. Unacash accepts the following documents
Accepted IDs
- National IDs
- Driver's license
- SSS
- UMID
- Philippine passport
- TIN ID
- Improved postal ID
- PRC ID
Accepted proof of income
- Payslip (full-time employees)
- Bank statements
- Mayor's
Application details
The application for an online cash loan are considered within a few minutes. After approval, the cash loan will be transferred to your account within 24 hours. Unacash can reject your loan application if:
- You have poor credit score
- You have been blacklisted on a debt review platform
- Your income does not match the amount of loan you requested from Unacash.
