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#UNOnow Personal Loan

Get Cash Fast with #UNOnow Personal Loans

From ₱15,000 to ₱500,000. Instant approval. No collateral. Rates as low as 1.79% monthly. Money in your account within minutes.

Apply for Loan Now Check Your Eligibility
5-Minute Application
Instant Approval
No Collateral Needed

Available Credit

₱500,000

Pre-approved

Monthly Rate

From 1.79%

Loan Term

6-36 months

Why Choose #UNOnow Personal Loans?

Get the cash you need when you need it—fast, secure, and hassle-free.

Low Interest Rates

From 1.79% monthly rate. Competitive rates that won't break your budget.

No Collateral Required

Get approved without putting up any collateral. Your creditworthiness is all we need.

Instant Approval

Get approved in minutes, not days. Our AI-powered system processes applications instantly.

Flexible Terms

Choose from 6 to 36 months repayment terms. Find the perfect plan for your budget.

Compare Loan Rates

See how our personal loan rates compare with other lenders in the Philippines.

Bank Interest Rate Loan Amount Processing Time
UNO Digital Bank From 1.79% monthly ₱15K-₱500K 5 minutes
Maya Bank From 2.5% monthly ₱10K-₱200K 24 hours
GoTyme Bank From 2.8% monthly ₱5K-₱100K 1-3 days
Traditional Bank A From 3.5% monthly ₱50K-₱1M 5-7 days
Traditional Bank B From 4.2% monthly ₱100K-₱2M 7-14 days

*Rates accurate as of October 2025. Traditional bank rates vary.

Calculate Your Loan

See how much you can borrow and what your monthly payments will be.

Loan Calculator

Your Loan Details

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

Check Your Eligibility

See if you qualify for a #UNOnow personal loan in just 2 minutes.

Quick Eligibility Check

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

Quick Eligibility Check

Fill out this form to see if you qualify for a personal loan.

No impact on credit score • Instant results

Get Your Loan in 3 Simple Steps

Apply for your personal loan in minutes, not days.

1

Apply Online

Open the UNO app, go to Borrow, and complete the loan application form

2

Get Instant Decision

Our AI-powered system assesses your application immediately

3

Receive Your Money

Funds are transferred directly 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 If You Qualify

Frequently Asked Questions

Everything you need to know about #UNOnow Personal Loans.

How fast can I get my loan?

Most applications are approved within minutes. Once approved, funds are released to your UNO account immediately—usually within the same day.

What is the effective interest rate?

The effective interest rate ranges from 45.42% p.a. to 57.22% p.a. depending on your loan term. This includes the monthly add-on rate plus processing fees.

Do I need collateral?

No! #UNOnow loans are unsecured personal loans. We assess your creditworthiness using advanced AI and alternative data—no collateral or guarantor required.

Can I pay off my loan early?

Yes, you can pay your loan early without penalties. Early payment saves you interest charges.

Can self-employed people apply?

Absolutely! We serve freelancers, business owners, and self-employed individuals. You need minimum 2 years of self-employment with proof of income.

Ready to Get the Cash You Need?

Join thousands of Filipinos who've trusted UNO for fast, fair, and hassle-free personal loans.

Apply for Loan Now Calculate Your Payment