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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.3

Unapay

Advertiser Disclosure

About lender

UnaPay Philippines is a genuine financial lending institution offering online shopping loans with flexible repayment schedules to meet financial needs of their customers all over the country. The service allows its clients to buy now and pay later via their Lazada Wallet.

UnaPay was founded in 2020 with the aim of providing a “buy now, pay later” (BNPL) installment plans. This option gives the flexibility and ease of a credit card without the long and strict application procedure. Apart from a “buy now, pay later” scheme, the company also offers Salary Loan service for those clients who need early access to their salary to get money before their actual payday. UnaPay is registered under the name Digido Finance Corp, and it operates in the Philippines.

UnaPay enables both in-store and e-commerce retailers to give their consumers flexible interest-free partial payments as an option at the point of sale, without the need for a credit card. The service is compatible with users’ current payment systems. Having this alternate payment option available to companies implies improved conversion rates, larger basket sizes, increased consumer satisfaction, and fewer obstacles to buying, among other advantages.

Pros and cons

With its flexible plans, simple application procedure, and low-interest rates, the “buy now pay later” (BNPL) service is quickly becoming a popular alternative to credit cards in the Philippines.

Pros

  1. It is convenient and fast to get money
  2. Simple set-up and approval procedure
  3. Spread out payment plans
  4. An alternative to expensive credit card options
  5. No processing fee
  6. No registration fee
  7. Flexible funds management
  8. Early access to your salary when needed

Cons

  1. Auto charging
  2. Can encourage impulse buying
  3. Late payment fees

Why to choose UnaPay Philippines?

Shoppers choose BNPL service because of the many advantages it offers them. First, it can increase affordability or makes a greater purchase frequency cheap. BNPL has no interest costs, in contrast to typical credit products. Besides, many BNPL products are pretty straightforward – they are accessible almost immediately at the time of purchase and need just a few procedures – and may not require a typical credit check to be completed.

However, since there is no standard structure for BNPL services in the Philippines, ‘genuine’ BNPL products and other credit products like UnaPay are often confused or conflated, which leads to confusion and misinterpretation of BNPL products in the country. Some consumers point out auto charging and late payment fees as potential cons of using this service.

Unapay

FAQ

What is UnaPay Philippines?

UnaPay acts as a lender by providing you with online shopping loans with flexible repayment schedules.

Who owns UnaPay?

UnaPay is registered under the name Digido Finance Corporation. It allows you to “buy now and pay later” via your Lazada Wallet.

How do you qualify for UnaPay Loan?

UnaPay is open to all citizens in the Philippines. To qualify for a loan, you must be 18 years or older and have an active bank account with a proven source of income.

How much can you borrow from UnaPay?

The loan amount available to borrow ranges from 2000 to 50000 pesos.

 Is UnaPay a legitimate company?

UnaPay is a legitimate service operating legally. It is an SEC-registered company and certified for lending. 

Does UnaPay have an app?

Yes, UnaPay has recently launched an app. The business guarantees that it will be more accessible to users in the Philippines via the app

Company documents

Terms & Conditions
Privacy Policy
Customer Declaration

Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.

©UnaPay by Digido Finance Corp. a SEC licensed financing company

Unapay available areas

  • Ilocos Region
  • Cagayan Valley
  • Central Luzon
  • CALABARZON
  • MIMAROPA Region
  • Bicol Region
  • Western Visayas
  • Central Visayas
  • Eastern Visayas
  • Zamboanga Peninsula
  • Northern Mindanao
  • Davao Region
  • SOCCSKSARGEN
  • Caraga
  • National Capital Region
  • Cordillera Administrative Region
Unapay available areas

Financial products

Unapay
Online loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.4
Recommended FinScore™
0
300
650
1000
₱50,000.00
Term
i

Loan term for the financial product

30 days

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Unapay loans calculator

Calculate loan payments in Unapay. Loans calculator will allow you to calculate an approximate payment schedule for the loan

Unapay calculator
Interest rates are given in accordance with the rates of the Unapay in Manila as of 30.11.2022
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What to pay attention to when applying for a loan at Unapay?

Recommendations

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All Unapay’s reviews by november 2022
Leave feedback
1 reviews
Online loan Next
3.2
Advantages
so glad that i found place where i can get money so fast using only my phone and bank, their app is user freindly and easy. interests are very good comparing with previous organizations that i visited, reps answered all my questions and and they were very polite i appreciate that
Disadvantages
i also had a bad expirience with the company, because i missed one payment becouse of some financial difficulties and they changed my interest it increased and the term of payment became less, i understand i messed up but i didn't expect the consequences would be so hard, i really sorry but it could be more customer focused so i don't know if i ever apply there
Complain
1 reviews
Online loan Next
3.6
Advantages
I like the fact that there is a such good thing like this for us Filipinos finally, you can get money appling in app. To me it is a very comfortable mobile app, because it let me see my actual information about my loan loan and it gives you all the details that you need.
Disadvantages
But the other side of this is that i got some cases where i had to wait for longer confirmation for my application and they told me they were looking what they can do for me several times and it was quite annoying. also their rates may seem good but actually it will be not as easy at it may seem to get these low interests, so be ready to pay more than you think
Complain
2 reviews
4
Advantages
It was really easy and fast to recieve the cash that i needed so much.
Terms of payments are convinient to pay it , Also you can choose one of many interests they have and you can find some good ones, but not all the time, but i was lucky so it was quite comfortable
Disadvantages
but sometimes you'll have to wait wait for yor application approval for quite long time, several times I never got the information about my request and didn't know is it aproved or not. I don't know there were some problems with support managers or maybe they lost my information or something, so before you apply you should know that fact.
Complain
1 reviews
3
Advantages
great that there is no need to visit their office (but you can go if you want), application is very easy to fill and send just from app or site, i couldn't believe that i can get money loan at the same day as i applied but it is real, support told me everything about the product.
Disadvantages
i think i liked it more with the smaller interests rates, of course you can be aproven for lower interests but no one told me how to do it at first and then after i already applied i have seen that i could pay less it was kinda sad, i knew it only after but have some doubts that i would have lower interests, but at least i have quite comfortable terms for payments.
Complain
2 reviews
2.8
Advantages
The instruction on their web site helped me easily and fast apply for my loan, also they have good app you also can use it.
support seem to me very helpful and kind i got my response very quickly, no queues it save my time, i like the duration of payment it is very comfortable, i liked that
Disadvantages
but some problem were with that i dont have my bank account but they tell i can recieve money only this way, i couldn't know how i can get my loan if i don't have one, so it took some time for me to get bank account and only after that i finally recieve the loan unfortunately i didn't get money in cash because it could much more faster for me
Complain
Overall company rating
3.3
/ 5
5 reviews
Execution of an application
4.0
Support service
3.2
Mobile app
2.8
Service quality
3.2
Your satisfaction level
3.4

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