UNObank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UNObank lends direct to Filipino residents through a single app, which keeps the application and the fee structure simple to read.
Key facts
Loans
- APR
- 35.78% to 37.54%↗
- Loan amount
- ₱15,000 to ₱250,000↗
- Arrangement fee
- 3% of loan amount or PHP 500, whichever is higher↗
- Credit check
- Hard↗
- Funding time
- 3-5 banking days (manual crediting); otherwise withdrawn via in-app Send Money↗
- Representative example
- #UNOnow Personal Loan: PHP 100,000 for 3 years at 35.78% APR, monthly repayment PHP 4,567.78↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- 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↗
- Origination fee (%)
- 3%↗
- Loan types
- Personal↗
- Features
- Same-day funding
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Fixed pricing keeps the monthly repayment predictable for the whole term of 6 to 36
- Direct lender, so the application and the agreement sit with UNObank Inc. rather than a broker
- An origination fee of 3% of loan amount or PHP 500, whichever is higher is stated up front
- Support runs on chat and phone for questions before and after applying
Cons
- 35.78% to 37.54% sits well above the 13.75% recorded across comparable lenders, so the cost of the money is high
- Free early repayment is listed as no, which limits the route to cutting the cost short
- Applications run a hard credit check, which suits only a comfortably scoring applicant
Ready to try UNObank?
Who it suits
- Employed or self-employed Filipino residents with a steady monthly income who can clear a hard credit check
- Borrowers who value an in-app arrangement over shopping the market for a cheaper rate
- Anyone who plans to keep the loan for the full 6 to 36 and repay on schedule
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is listed as no
- Applicants with a thin credit file, given the hard credit check
- Borrowers who can access a much cheaper fixed rate elsewhere
Rates and card terms
The personal loan runs on a fixed basis, so the quoted figure holds for the life of the agreement rather than resetting. Representative pricing is an APR of 35.78% to 37.54%, and borrowing runs over a term of 6 to 36. An origination fee of 3% of loan amount or PHP 500, whichever is higher applies to the amount borrowed. Applications go through a hard credit check, and funding is handled within the app.
The company behind it
The lender is UNObank Inc., a direct lender based in Philippines. Lending is arranged directly with the borrower, so the terms of the loan, the origination fee and the application sit with the same company throughout. Support is offered over chat and phone for anyone who wants to check eligibility or repayment figures before applying.
How UNObank compares
Frequently asked questions
What rate will I pay on a UNObank personal loan?+
The loan is priced on a fixed basis at an APR of 35.78% to 37.54%. Because the rate is fixed, the figure holds for the whole term instead of moving, which makes the monthly repayment easier to plan. An origination fee of 3% of loan amount or PHP 500, whichever is higher is added to the amount borrowed.
How much can I borrow and over what term?+
Borrowing runs from PHP 15,000 to PHP 250,000 over a term of 6 to 36. The product sits in the personal loan range, so it suits a planned expense or a consolidation of existing cost rather than a large long term commitment. Anything outside that shape would need a different lender.
How long does it take to get the money?+
Funding is listed as same-day funding in the same day funding listed for the product, so eligible applications can be paid out quickly once approved. Some disbursements are credited manually, and an application can also be withdrawn in-app if a borrower changes their mind before release.
Can I pay the loan off early to save interest?+
Free early repayment is listed as no, so the loan is designed to run its full course and settle on the monthly schedule. Borrowers who want to clear the balance sooner should not treat a large overpayment as a way to cut the cost of the money. Repayments are made monthly.
What credit check does UNObank run?+
Applications carry a hard credit check, which is the stricter end of the range that lenders use. For comparison, 85.5% applies to a similar share of the lenders tracked, while 13.3% remains less common. A thin file makes approval less likely.
Who can apply for a UNObank loan?+
The product is aimed at adults within the age band at maturity who are Filipino nationals or residents in the Philippines. Applicants need a minimum gross monthly income and either a length of employment or a business that has been trading for a set period. In-app Send Money covers transfers between accounts.
How do I get help if something is unclear?+
Support runs on chat and phone, so a question can be put to the team in-app or over the phone. The chat channel suits quick questions on eligibility and the fee, while a call is the better route for anything that needs a document or a repayment figure checked.
Does the rate look competitive with other lenders?+
On the numbers alone, 35.78% to 37.54% is a wide spread and sits well above the 13.75% recorded across the lenders tracked on this site. The other 20.74% end of the range is also below the quote here. A cheaper fixed rate is likely elsewhere, at the cost of arranging a separate application.
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.
Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.
UNObank
Filipino residents with steady income who want a fixed personal loan arranged inside one app.