UNO Digital Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

UNO Digital Bank lends direct to Filipino borrowers, fixed rate and personal only, and cost is the trade-off: an APR of 35.78% to 37.54% sits above the 12.25% median for personal loans. It suits salaried or established self-employed applicants with steady income who want one predictable instalment.

Key facts

Best for
Filipino salaried or established self-employed borrowers who want one fixed instalment.
APR
35.78% to 37.54% (Source, checked September 26, 2026)
Loan amount
₱15,000 to ₱250,000 (Source, checked September 26, 2026)
Term
6 to 36 months (Source, checked September 26, 2026)
Arrangement fee
3% of loan amount or PHP 500, whichever is higher (Source, checked September 26, 2026)
Representative example
Php100,000 loan, 36 months, APR 35.78%, monthly installment Php4,567.78; EIR based on processing fee of Php3,000 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
21 to 65 years old, Filipino national/resident, minimum gross monthly income PHP 20,000, employed at least 6 months or self-employed business operating at least 2 years (Source, checked September 26, 2026)
Origination fee (%)
3% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
UNObank Inc. (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
unobank.asia

Pros and cons

Pros

  • A fixed rate product at a fixed rate, so the monthly cost is settled before you sign.
  • Loan amounts of PHP 15,000 to PHP 250,000 cover a small emergency as well as a larger repair or medical bill.
  • Help is available on chat, phone and help centre once you have applied.
  • A direct lender that assesses the application itself, so the decision sits with one company.

Cons

  • An APR of 35.78% to 37.54% sits above the 12.25% personal loan median.
  • An origination fee of 3% of loan amount or PHP 500, whichever is higher is charged on top, and it is the higher of a percentage of the sum or a set peso amount.
  • Free early repayment is not on offer, so the balance runs to the end of the agreed 6 to 36 schedule.

Ready to try UNO Digital Bank?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Filipino adults in permanent work, or self-employed with a business of some standing, and a minimum gross monthly income.
  • Borrowers who want a fixed instalment and can absorb a 3% of loan amount or PHP 500, whichever is higher processing fee.
  • People who prefer dealing with the lender itself, since UNO Digital Bank is a direct lender.

Who should look elsewhere

  • Not Monzo Flex, where the APR is 10% to 23% against 35.78% to 37.54% here.
  • Not Cashspace, whose APR of PHP 12 to PHP 36 costs less than this lender's.
  • Not Cashspace ES when the lowest rate is the priority, since its listed APR is 0%.

How UNO Digital Bank compares

Where UNO Digital Bank is available

Available
Philippines
Licence in Philippines
Bangko Sentral ng Pilipinas (BSP), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does UNO Digital Bank charge?+

UNO Digital Bank charges an APR of 35.78% to 37.54% on its personal loans, well above the 12.25% median recorded for personal loans elsewhere on the site. The rate is fixed, so the instalment does not rise during the term of 6 to 36.

What fees are added on top of the loan?+

An origination fee applies: 3% of loan amount or PHP 500, whichever is higher. That is the higher of a percentage of the sum borrowed or a set peso amount, so the smaller the loan, the more the fee weighs. The published representative example folds the same processing fee into the effective rate shown to borrowers.

How much can I borrow and over what term?+

Loan amounts run PHP 15,000 to PHP 250,000 and terms run 6 to 36, so a borrower can spread a mid-sized cost over a shorter or longer schedule. Personal loans are the only product offered, and the balance is set at a fixed rate for the period you sign.

Who can apply?+

The lender is UNObank Inc., a Philippine digital bank. Applicants must be Filipino nationals or residents, sit within the stated age band, and show a minimum gross monthly income. Employees need a minimum period with their current employer, while self-employed applicants need a business trading for a minimum period.

Who regulates the lender?+

The lending entity, UNObank Inc., is based in the Philippines and sits under the supervision of the Bangko Sentral ng Pilipinas (BSP), the central bank. The loans on offer are personal loans only, and a direct lender handles the application rather than passing it to a third party.

Can I repay the loan early?+

Free early repayment is not offered on these loans, so settling the balance before 6 to 36 runs out is not a fee-free option. The rate holds for the whole schedule, which makes budgeting predictable but leaves the commitment unchanged if your income rises.

How do I get help once I have applied?+

Help runs on chat, phone and help centre, so you can pick up the phone, start a live chat or read the help centre for yourself. Questions about the 3% of loan amount or PHP 500, whichever is higher charge or the repayment schedule can be raised through the same channels before you apply.

Is the rate fixed or variable?+

The rate type is fixed and the model is a fixed rate product, so the instalment holds steady for the length of the agreement. Budgeting is straightforward, though a fixed rate also means no gain if market rates fall across the term.

Sources

  • unobank.asia checked September 26, 2026

    Backs: Headquarters, Legal entity

    “We are located at 20/F Unit 2001, The Finance Centre, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig City 1635, Philippines”

  • unobank.asia/about-us checked September 26, 2026

    Backs: Lender type

    “UNO Digital Bank is South East Asia's first full-spectrum digital bank licensed under the Bangko Sentral ng Pilipinas”

  • unobank.asia/loans checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term

    “UNO offers loans between PHP 15,000 to PHP 250,000 with repayment tenors ranging from 6 to 36 months”

  • bsp.gov.ph checked September 26, 2026

    Backs: Licences

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time.

Related by the facts

UNO Digital Bank

Filipino salaried or established self-employed borrowers who want one fixed instalment.

8.8/10See alternatives

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