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About company

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.


  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


  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.


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 loans calculator

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What to pay attention to when applying for a loan at Unapay?

- The company shall be registered at Securities and Exchange Commission in the Republic of the Philippines;

- You can check the availability of the Certificate of Authority on the official SEC website;

- The rules for granting microloans should be available on the company's website;

- The procedure for applying for a microloan should be published on the site;

- The procedure for concluding an agreement and receiving a payment schedule should be available;

- Other terms and conditions for granting microloans should be available.


- Get acquainted with the interest rates on microloans;

- Check the availability of general terms and conditions of the consumer loan agreement;

- Check the availability of information on the total cost of the loan in the consumer loan agreement;

- Take time to think. After reviewing the individual terms of the agreement, take the allowed time to make the final decision.

What distinguishes Unapay from a bank:

- Fast processing of loan applications;

- High interest on the loan for the borrower;

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All Unapay’s reviews by May 2022