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Uno Digital Bank Loan

No need to worry about unexpected financial needs.  Take care of it fast with #UNOnow.

  • icon Interest Rate
    Interest rate (p.a.)
    35.78% - 37.54%
  • icon Min. monthly income
    Loan Tenure
    0.5 - 3 years
  • icon Min. monthly income
    Approval Duration
    7 banking days
  • icon Min. monthly income
    Min. monthly income
    ₱ 20,000

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Whats so great about Uno Digital Bank Loan?

  • Maximum loan amount up to ₱200,000

  • No collateral required

  • No guarantor needed

  • As low as 1.79% monthly “add-on” rate

  • No bank account or credit card required

Product Features

Interest Rate 1.79% monthly “add-on” rate
Min. Financing Amount ₱10,000
Max. Financing Amount Up to ₱200,000
Min. Loan Tenure 6 months
Max. Loan Tenure 36 months

Fee & Charges

One time set up
Processing Fee 3% of the loan amount or PHP 500 whichever is higher, to be deducted from the loan proceeds
Other Fees Loan Pre-termination Processing Fee – 3% of unbilled amount or PHP 300 whichever is higher (applicable on loans > 30 days; none on loans < 30 days)
Late Payment Charges 5% of unpaid installment or PHP 500 whichever is higher


Age requirement At least 21 years old; must not be older than 65 years old upon loan maturity
Employment eligibility If employed, must be tenured for at least 6 months. If self-employed, business must be in operations for at least 2 years
Min. salary requirement Receives a minimum gross monthly income of PHP 20,000

Other Requirements

Need to open linked bank account? No

Review by iMoney

UNO digital bank offers a convenient and efficient way for individuals to apply for loans. With the rise of digital banking, UNO has leveraged technology to streamline the loan application process and provide customers with a seamless experience.

To apply for an UNO Loan, individuals need to meet certain eligibility criteria which may include factors such as location of residence/work, income level, and employment status. Once eligible, customers can easily submit their loan application online through the UNO website or mobile app. Another option is to apply through the iMoney online application form. Once your application is received, our friendly Customer Care agent will reach out to you to assist in processing your application.

UNO Loan stands out for its competitive interest rates, a key advantage driven by its digital-only model, eliminating the need for physical branches. This streamlined approach enables UNO to offer lower interest rates than traditional banks, making it an appealing choice for those seeking cost-effective financing.

Moreover, UNO provides borrowers with flexible repayment options tailored to their individual needs. Customers can select from various repayment plans, including monthly installments or customized schedules. This flexibility empowers borrowers to effectively manage their finances and repay the loan in a way that aligns with their financial situation.

Learn more about the features and benefits of UNO Loan:

  • Fast and easy, fully online application with immediate evaluation process!
  • Only 1 valid government-issued ID is required to apply.
  • No collateral required.
  • Competitive 1.79% monthly “add-on” interest rate.
  • High loanable amount starting from ₱10,000 up to ₱200,000.
  • Loan repayment starts from 6 months up to 36 months.

Here are some frequently asked questions about UNO Loan:

UNO Digital Bank Loan FAQ

How can I apply for an UNO loan?

If you're in the Philippines and in need of financial assistance, UNO loan might be an option worth considering. UNO loan is a lending program that aims to provide quick and accessible loans to individuals who meet certain eligibility criteria.

To apply for an UNO loan, you just need to follow these steps:

  • Download the UNO Mobile App on App Store or Google Play Store.
  • Open the UNO app and tap JOIN UNO on the login screen and select LOAN ACCOUNT.
  • Provide a valid PH mobile number and email address. You will then need to verify the mobile number via One Time Pin (OTP).
  • Using the app, capture a photo a valid government issued ID (passport, driver’s license, UMID, SSS ID, Philsys ID, Philhealth ID, PRC ID.
  • Follow the instructions in taking a Selfie Check then proceed in providing your personal information.
  • Once your loan is approved, you may accept or decline the loan offer.
  • If you accept the loan offer, you will receive an email with the loan contract and details and the loan proceeds will be available for drawdown.
  • The disbursed loan amount can be withdrawn via Send Money in the UNO app.

The process for applying for an UNO loan is relatively straightforward and if you are looking for financial assistance in the Philippines, consider exploring UNO loans as an option. By meeting certain eligibility requirements and going through a relatively straightforward application process, you may be able to secure the funds you need.

What are the eligibility requirements for a UNO loan?

When it comes to obtaining a loan, understanding the eligibility requirements and application process is crucial. For those interested in acquiring an UNO loan, it is important to familiarize oneself with the specific criteria that must be met. Additionally, having knowledge of the loan application process will help streamline the journey towards securing financial assistance.

To be eligible for an UNO loan, you will need to meet the following requirements:

  • Individuals who are 21 up to 65 years old; upon loan maturity.
  • Must be a Filipino citizen currently residing or works within Metro Manila, Cebu, Rizal, Cavite, Laguna, Pampanga, Bulacan, Batangas, Iloilo, or Davao Del Sur.
  • Must have a minimum gross monthly income of ₱20,000.
  • Must be working for at least 6 months (employed) or for business-owners, the business must be in operation for at least 2 years (self-employed).

Understanding eligibility requirements and navigating through the loan application process are essential steps when considering a UNO loan or any other type of financial assistance. By being well-informed about these aspects beforehand, individuals can save time and ensure a smoother experience in obtaining the funds they require.

What is the minimum and maximum loan amount offered by UNO?

The minimum loan amount offered by UNO is ₱10,000 with up to ₱200,000 as the maximum loanable amount. The loan amount offered is typically set at a certain threshold, which may vary depending on factors such as the borrower's income level and creditworthiness. This is designed to ensure that borrowers have access to the funds they need, while considering their capacity to repay the loan. UNO strives to accommodate borrowers with diverse financial needs by offering flexible borrowing limits.

It's worth noting that specific loan amounts offered by UNO may be subject to eligibility criteria and underwriting processes. These requirements are in place to assess applicants' ability to repay the loans responsibly while ensuring that they receive an appropriate amount based on their financial situation.

Overall, UNO aims to provide borrowers with a range of loan options tailored to their unique circumstances, whether they require a small sum or a more substantial financial assistance.

What is the interest rate for UNO loan?

The interest rate for UNO loan starts at a monthly add on rate of 1.79%. This corresponds to the annual contractual rates or annual percentage rates ranging from 35.78% to 37.54%, depending on the loan tenure. 

The interest rates are typically determined by factors such as the type of loan, the borrower's creditworthiness, the loan term, and prevailing market conditions.

To get accurate information about the current interest rates for UNO loans, it is recommended to visit their official website or contact their customer service directly. They will be able to provide you with detailed information regarding specific loan options and associated interest rates based on your individual requirements.

How long is the repayment period for UNO loans?

The repayment period for UNO loans ranges from 6 to 36 months. UNO offers a range of loan tenure to cater to different needs and financial situations. It is important to carefully review the terms and conditions once your application is approved to understand the repayment period associated with it.

It is crucial for borrowers to consider their financial capabilities and choose a repayment period that aligns with their budget and ability to make timely payments. By understanding the repayment period of UNO loans, borrowers can effectively plan their finances and ensure they meet their obligations without undue strain.

Can I apply for an UNO loan if I have a bad credit history?

Borrowers should note that timely repayment of installments is crucial in order to maintain good standing with UNO Loan and avoid any negative impact on future borrowing opportunities.

To recap, UNO Loan provides an alternative lending option for individuals with bad credit history. By understanding the eligibility criteria and loan application process, potential borrowers can navigate through the process more effectively and increase their chances of securing a loan to meet their financial needs.

Is collateral required to secure a UNO loan?

UNO Loan, offers an unsecured loan option that does not require any form of collateral. Their loans are granted based on the borrower's creditworthiness, income stability, and overall financial situation. Since there is no collateral involved, UNO relies heavily on these factors to determine whether to approve the loan application.

UNO Loan adheres to certain requirements for borrowers seeking financial assistance. These requirements includes proof of income or employment stability, a good credit score, a valid, government-issued identification document (such as a driver's license or passport), and proof of residence.

By understanding and familiarizing yourself with UNO Loan's specific requirements, you can make informed decisions when considering borrowing money for your financial needs.

How long does it take to get approved for a UNO loan?

The approval process for UNO Bank's UNOnow loan is designed to be quick and hassle-free. The bank utilizes advanced artificial intelligence algorithms to assess eligibility criteria and determine creditworthiness swiftly, resulting in immediate loan evaluation. As a result, applicants receive instant feedback on their applications, reducing the waiting period significantly.

In terms of timelines, UNO Bank aims to provide borrowers with prompt access to funds. Once an application is approved and the borrower accepts the loan offer, the loan proceeds will be available for release and an email with the loan contract and details will be sent to you. The disbursed loan amount can be withdrawn via Send Money in the UNO mobile application. This expedited process enables borrowers to address their financial needs promptly without enduring long waiting periods.

Are there any additional fees or charges associated with UNO loans?

When it comes to loans, it's important to understand all the details, including any additional fees and charges that may be associated with them. 

Additional fees and charges applicable to UNO Loan:

  • Processing fee: 3% of the loan amount or ₱500 whichever is higher, deducted immediately from the loan proceeds.
  • Late payment fee: 5% of unpaid installment or ₱500 whichever is higher.
  • Loan pre-termination or early payment processing fee: 3% of unbilled amount or ₱300 whichever is higher. This is applicable on loans that are greater than 30 days. No fees will be charged for loans less than 30 days.

By providing clear information on these fees and charges, UNO Bank aims to promote responsible borrowing and prevent any potential surprises or hidden costs for borrowers. The bank prioritizes transparency as part of its commitment to building trust with its customers.

It is important for individuals considering an UNO loan to carefully review all terms and conditions provided by the bank. This will help them make an informed decision based on their personal financial situation and ensure they understand all associated costs before proceeding with their application.

Is the UNOnow Loan the right product for me?

UNO Bank, a rapidly growing financial institution in the Philippines, has introduced an advanced digital loan service called UNOnow Loan. This cutting-edge offering is designed to provide quick and easily accessible financing options to individuals seeking financial assistance. With a simplified approval process, swift disbursal timelines, straightforward application procedures, and reasonable documentation requirements, UNO Loan offers a hassle-free solution that saves borrowers valuable time and effort.

UNO Loan caters to the financial needs of Filipinos who require rapid access to funds for a variety of purposes, including emergency expenses, home improvements, education fees, and debt consolidation. Borrowers can conveniently apply for loans online, eliminating the need for extensive paperwork or time-consuming visits to physical branches. By harnessing technology, UNO Bank has optimized the loan application process, ensuring a seamless and efficient experience for its customers.

In response to the growing trend of digital banking, UNO Bank has leveraged technology to enhance the loan application process, making it more convenient and efficient. If you are in need of financial assistance in the Philippines, consider exploring UNO loans as a practical and user-friendly option that aligns with the evolving landscape of digital banking.