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Rating by Finanso®
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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's application

Advertiser Disclosure

How to get money?

To get an UnaPay loan, individuals should first fill out an online application form. The procedure is easy and straightforward. Before applying, ensure that you meet the outlined requirements for loan approval.

Requirements

  1. A valid government ID
  2. Proof of income
  3. Proof of billing

Application details

UnaPay has a simple process for applicants seeking shopping loans. Submitting a loan application takes a few minutes. No personal or banking information is shared with third parties, though be aware that the information regarding your loan application is shared within a company’s network.

Once you are ready to make an application, follow these steps:

  1. Click on “Apply” and fill out the UnaPay loan application.
  2. Choose the terms and amount of the funds you would like to request.

The pre-approval process takes about 5 minutes after you submit all required information and complete your application.

The final approval might take time should your loan application be incomplete.

The overall processing time is about 48 hours, depending on the availability of all contact points.

Loan conditions

First loan

To qualify for the first loan, you will need to fill the form and send an application through the Unapay website. After the application is processed, you can be granted a Lazada shopping loan - from ₱2,000.00 to ₱50,000.00 – which you will receive in your Lazada account as credits. The credits have no expiry date; hence, you can use money any time you wish to or at one go.

Subsequent loans

You will be able to take subsequent loans after you complete repaying your first one. The process of getting the following loans will be simpler and more straightforward.

Documents

Accepted proofs of income:

  • Bank transaction history
  • Payslips
  • PayPal transaction history
  • Remittance slips
  • Upwork Certificate of Employment

Accepted IDs include the following:

  • National ID
  • Driver’s License
  • SSS
  • UMID
  • Philippine Passport
  • TIN ID
  • Improved Postal ID

Unapay application

FAQ

Reasons for rejection

Applicants might get rejection after application in case of the following:

  • Unavailability of required documents
  • Uploading wrong details 

How long does it take to get approved by UnaPay Philippines?

Most often, it takes 10 to 15 minutes to get approval, and if the application is sent on weekdays or holidays, you receive the response by 18.00 the next business day.

How trustworthy is UnaPay?

UnaPay is a genuine and trustworthy lender offering online shopping loans with flexible repayment plans. It is an SEC-registered company under the name Digido Finance Corporation operating in the Philippines.

Does UnaPay verify income? 

Yes, UnaPay verifies income. To get money, applicants should verify their income and provide one valid Philippines ID. Providing this information will assist UnaPay in verifying your identity and determining your creditworthiness. 

Does the UnaPay loan hurt your credit score? 

Taking an UnaPay loan does not affect your credit score. Instead, it will aid you in avoiding a late fee. 

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
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₱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 29.11.2022
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Enter the desired loan amount

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5000 ₱
50000 ₱
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What to pay attention to when applying for a loan at Unapay?

Recommendations

What distinguishes Unapay from a bank:

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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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