Unacash - Buy Now Pay Later

Upgrade your life with the new UnaCash app!
Your trusted Buy Now, Pay Later service just got better!

Pay Light!
Shop for your dream gadgets, appliances and furniture from our wide range of partner merchants across the Philippines! Get the best deals with product loans up to Php 50,000 and interest rates as low as 0%.

Split your payments conveniently up to 12 months, depending on your budget and preference! Get flexible payment terms for your big purchases!

Guaranteed Hassle-Free!
Enjoy a fast and easy application process – get approved within minutes with just 1 valid ID and application form! No need for a credit card!
Repayments are just as simple: pay your UnaCash installment loan through our partner online banks/e-wallets and over-the-counter channels!
Download the app now and visit our partner’s stores!

Loan amount and loan terms
For new loans:
A. Loan amount: Php 3,000- Php 10,000; Loan terms - 5-6 months
B. Loan amount Php 10,001 - Php 50,000; Loan terms up to 6 months
For repeat loans:
A. Loan Amount: Php 3,000- Php 10,000; Loan terms - 5-6 months
B. Loan amount Php 10,001 - Php 50,000; Loan terms up to 12 months

Number of payments: monthly or bi-monthly
Past Due Interest (PDI) daily rate differs: 0.27% to 0.33%.
Example: daily PDI Php 1,000 x 0.27%, where Php 1,000 is outstanding principal balance of instalment.

Penalty comes on 5, 30, 60, 90 days of days past due and calculated as % sum of overdue annuity (principal + interest), 3%, 5%, 7%, 10% accordingly. Example of 5th day overdue penalty: Php 2,500 X 3%, where Php 2,500 is the overdue annuity.

Annual Percentage Rate (APR): 0 - 36%
Minimum period: 90 days
Maximum period: 365 days

Loan calculation
Total to return = Principal amount + Interest amount
Interest accrued on outstanding starting principal balance of a loan

Example:
Loan amount: Php 13,000
Nominal monthly interest rate: 8% per month
Term: 6 months
Compounding Monthly
Installment amount: Php 2,812 x 6 months
Interest charged: Php 3,872
APR = ((3,872 + 0 / 13,000)/180) X 365 X 100,
APR = ((Interest + Fees / Loan amount) / N) x 365 x 100

Disclaimer: The loan calculation provided is intended for illustrative purposes only. It is designed to offer users a general idea of potential loan costs and payments based on inputted values. The actual terms and conditions of a loan may vary significantly based on numerous factors, including but not limited to interest rates, loan duration, and individual creditworthiness.
UnaCash is operated by DIGIDO FINANCE CORP., a licensed financing company (SEC Registration No. CS202003056; Certificate of Authority No. 1272). Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.