Unacash - Buy Now Pay Later

4.7
653 reviews
50K+
Downloads
Content rating
Everyone
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About this app

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.
Updated on
Jan 10, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info and Device or other IDs
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.7
653 reviews
Timothy Jian Tejada
December 20, 2023
I think this is not a new app, they just put merchants there. How can we use the full access to your app if you don't provide what your customers need? You don't even have cash loans, merchants are all for gadgets, can we eat that gadget???? You should provide necessities, groceries that will be helpful to your customers.
11 people found this review helpful
Digido Finance Corp. UnaCash
December 21, 2023
Hi Timothy! Thank you for your feedback, but please be guided that this is our new UnaCash app where we offer enhanced Buy now Pay later! For more details, kindly send us an email on our participating partner merchants and application process at care@unacash.com.ph and we will response to you as soon as we can!
Jerome Tausa
February 24, 2024
I didn't even know how this apps works. I didn't see an options for loans or options to buy goods or products. I think this app is useless
Digido Finance Corp. UnaCash
February 26, 2024
Hi Jerome! We are happy to inform you that we already have an upgraded UnaCash app! We offer enhanced Buy Now, Pay Later services through our participating partner merchants. Kindly send us an email at care@unacash.com.ph for the details on how to apply! We'll be waiting for your message!
Apol Dapol
December 16, 2023
Old app had cash loan. New app have very limited merchants. Mostly gadgets, no options for necessities such as groceries, food, gas or paying bills.
10 people found this review helpful
Digido Finance Corp. UnaCash
December 17, 2023
Hi Apol! We appreciate your feedback, no worries we are continuously improving our app and services. Stay tuned on our official social media platform for future updates! For the meantime, you may avail of our enhanced Buy now Pay later! For more details, kindly email us at care@unacash.com.ph. Thank you!

What's new

Added Installment
Showing penalty in schedule
Added FAQ and repayment instructions
Increase transparency on the loan details screen