UNObank review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

UNObank lends directly to Philippine residents at a fixed rate of 35.78% to 37.54%, well above the 12.25% typical rate for personal loans here. It suits borrowers who want a single provider, a set monthly repayment and in-app disbursement, and who can clear a hard credit check.

Key facts

Best for
Borrowing a set amount in the Philippines with a repayment that does not move.
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)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
3-5 banking days (manual crediting); otherwise withdrawn via in-app Send Money (Source, checked September 26, 2026)
Representative example
#UNOnow Personal Loan: PHP 100,000 for 3 years at 35.78% APR, monthly repayment PHP 4,567.78 (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 at maturity, Filipino national/resident, minimum gross monthly income PHP 20,000; employed 6 months tenured or self-employed business operating 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 (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
uno.bank

Pros and cons

Pros

  • Lending is direct, direct lender, so the borrower deals with a single provider throughout.
  • Fixed rates, fixed, hold the repayment steady over 6 to 36.
  • Same-day funding is a listed feature, same day funding.
  • Support runs on chat and phone, so help is available without post.

Cons

  • An origination fee of 3% of loan amount or PHP 500, whichever is higher is added to the amount you receive.
  • Free early repayment is not available, so settling early carries a cost.
  • The credit check is hard, hard, so an application is assessed on your full credit file.

Ready to try UNObank?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrower who wants the agreement and the money to sit with the same provider, since lending is direct at direct lender.
  • Borrower who prefers a monthly payment that does not shift as market rates change, thanks to fixed rate lending.
  • Borrower in a hurry, since same day funding is a listed feature.

Who should look elsewhere

  • Cashspace, whose annual rate of PHP 12 to PHP 36 starts lower for anyone shopping purely on cost.
  • Monzo Flex, if a light search rather than a hard check is the reason you have held off, given hard here.
  • Cashspace ES, if an annual rate of 0% is the deciding factor in your comparison.

Safety and regulation

UNObank is a direct lender, direct lender, so there is no broker layer between the application and the money. The representative example sets out the balance, the rate and the monthly repayment on it, so the total cost can be checked before you apply. Read the worked example against your own figures.

How UNObank compares

Where UNObank is available

Available
Philippines

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

Frequently asked questions

What rate do I pay on a UNObank personal loan?+

UNObank charges a fixed annual rate of 35.78% to 37.54% on its personal loan. Fixed pricing means the repayment holds steady rather than moving with the market. The published example shows how that rate converts into a monthly amount.

Is there an arrangement fee?+

There is an origination fee of 3% of loan amount or PHP 500, whichever is higher on the personal loan. It sits on top of the 35.78% to 37.54% annual rate, so the cost of borrowing covers interest plus this charge. Worth weighing before you accept an offer.

How much can I borrow?+

Loan amounts run PHP 15,000 to PHP 250,000 and terms run 6 to 36. The published example pairs a mid-range balance with the monthly repayment it produces, which is the clearest way to compare the cost. The origination percentage applies to whatever amount is borrowed.

Is my credit file checked?+

The credit check is hard, hard, so an application can affect the file and later borrowing options. Applicants with an unsettled history may prefer a lender that searches lightly. Approval still depends on the assessment.

Can I repay early without paying a charge?+

Free early repayment is not offered on this personal loan. Settling the balance ahead of schedule can therefore cost money, so the loan reads as a fixed commitment rather than a flexible one. Ask about the terms before you sign.

How quickly is the money sent?+

Funding takes a waiting period of banking days when the loan is credited manually, so a manual request runs longer. same day funding is a listed feature, which points to a faster route inside the app. Plan ahead if a payment date matters.

Who do I actually deal with?+

UNObank is a direct lender, direct lender, so there is no broker layer between the application and the money. Queries and the loan agreement stay with the same firm. Support runs on chat and phone.

Sources

  • uno.bank/loans checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Headquarters, Lender type, 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.”

  • uno.bank/uno-loans-terms-and-conditions checked September 26, 2026

    Backs: Legal entity

    “agreements or documents executed between UNObank Inc. ("UNO") and the Customer ("you")”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

UNObank

Borrowing a set amount in the Philippines with a repayment that does not move.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings