UNO Digital Bank
OPEN ACCOUNT
#UNOnow Personal Loan

A Real Loan, Without the Runaround

Borrow ₱15,000 to ₱500,000 with no collateral and a decision in minutes. Rates start at 1.79% monthly.

Apply Now Check My Eligibility
Decision in Minutes
No Hidden Fees
No Collateral Needed

Available Credit

₱500,000

Pre-approved

Monthly Rate

From 1.79%

Loan Term

6–36 months

Why #UNOnow

A loan you can actually explain to a friend, costs and all.

Rates You Can See

From 1.79% monthly. No rate that shows up after you've already signed.

No Guarantor Needed

No collateral or guarantor. We assess your own transaction and repayment history.

A Fast Decision

Most applications get a decision in minutes, not days.

Terms That Fit

Choose 6 to 36 months to repay a plan that fits your budget.

See How We Compare

An honest side-by-side — rate, amount, and how long it takes to get an answer.

Bank Interest Rate Loan Amount Processing Time
UNO Digital Bank From 1.79% monthly ₱15K-₱500K minutes
Maya Bank [Hold pending review]
GoTyme Bank [Hold pending review]
Traditional Bank A [Hold pending review]
Traditional Bank B [Hold pending review]

*Rates accurate as of [publish date]. Subject to change.

Calculate Payment

See your real monthly payment before you apply — no commitment.

Loan Calculator

Your Loan Details

Monthly Payment: ₱10,108
Total Interest: ₱21,300
Processing Fee: ₱3,000
Apply with These Terms

See If You Qualify

Answer a few questions and find out in about 2 minutes.

What You'll Need

Filipino citizen, 21–65 years old
Minimum ₱20,000 monthly income
Employed 6+ months or self-employed 2+ years
Active UNO Digital Bank account

Check My Eligibility

A few quick questions — no documents needed yet.

No credit impact • 2-min results

Three Steps to Your Loan

Here's exactly what happens after you tap Apply.

1

Apply In-App

Open the UNO app, go to Borrow, and complete your application.

2

Get Your Decision

Most applications are decided within minutes.

3

Receive Your Money

Funds are disbursed instantly to your UNO account.

Who Can Apply

  • Filipino citizen
  • 21 to 65 years old
  • Minimum ₱20,000 monthly income
  • Employed 6+ months OR Self-employed 2+ years
  • Active UNO Digital Bank account
Check My Eligibility

Frequently Asked Questions

Everything you need to know before you apply.

How fast can I get my loan?

Most applications are decided within minutes. Once approved, funds are disbursed instantly to your UNO account, ready to use.

Do I need collateral?

No. #UNOnow loans are unsecured — no collateral and no guarantor required. We assess your application using your own transaction and repayment history.

Can I pay off my loan early?

Yes — pay off your loan early with no penalty, and you'll pay less interest overall.

Can self-employed people apply?

Yes. We work with freelancers, business owners, and self-employed applicants — you'll need at least 2 years of self-employment and proof of income.

Can I protect my loan if something happens to me?

Yes. Credit Armor is optional credit life insurance you can add at disbursement for 4% of your loan amount, underwritten by Sun Life Grepa Financial, Inc. It covers your outstanding balance if something happens to you, so the obligation doesn't pass to your family.

Can I have more than one loan at a time?

You can hold one #UNOnow or #UNOeasy loan at a time, not both at once.

What happens if my application isn't approved?

Reapplication rules depend on your situation and history — check with Product before publishing a fixed waiting period.

A Loan That's On Your Side

Join Filipinos who've traded confusing terms and hidden fees for a loan they understand.

Apply Now Calculate My Payment