Unacash Loan Review: Convenient Online Cash Loans in the Philippines


Unacash is a prominent loaning company based in the Philippines that caters to both businesses and individuals. With a strong presence in the lending industry, Unacash offers various loan products, including business loans, home loans, and personal loans.

Established in 2013, the company’s primary goal was to provide affordable short-term loans to small business owners in the Philippines. Over time, Unacash has evolved to become a comprehensive online financial solutions provider, offering 24/7 accessibility to its clients. Operated by Digido Finance Corp, Unacash provides a seamless and convenient loan experience by eliminating the need for bank visits and hidden charges.

What is Unacash?

Unacash is an online cash loan service provider that operates in the Philippines. It offers a convenient and user-friendly platform for individuals to apply for short-term loans without the need to leave their homes. By downloading the Unacash mobile application on their Android or iOS devices, users can easily fill out the necessary information and select a loan package that suits their specific needs and purposes.


Digido Finance Corp is the proud owner of Unacash. As a reputable financial company, Digido Finance Corp ensures that Unacash operates under their management, providing reliable services to its customers.

Loan Amounts

Qualified Filipino applicants have the opportunity to borrow up to β‚±50,000 through Unacash. However, the exact loan amount you qualify for will depend on your credit score and other relevant factors.

Legitimacy of Unacash

Unacash is a fully legitimate company. Its operations are registered with the Securities and Exchange Commission under the registration number CS202003056. With this registration, Unacash demonstrates its compliance with regulatory requirements, giving customers peace of mind regarding the legitimacy of their services.

Pros and Cons of Unacash Loans


  • Easy and Quick Cash Loans: Unacash offers a straightforward and swift loan application process, with minimal requirements. Once approved, the funds are typically deposited into the borrower’s bank account within 24 hours.
  • User-Friendly Application: Unacash provides a user-friendly and convenient cash loan application. The application offers seamless navigation, ensuring easy access to a wide range of cash loan products.
  • Competitive Interest Rates: Unacash offers cash loans at competitive interest rates, ensuring borrowers can access funds at affordable terms.
  • Efficient and Friendly Customer Service: The company provides efficient and friendly customer service, available via email from Monday to Saturday, ensuring that customers can receive assistance whenever needed.
  • Transparent Fee Structure: Unacash ensures transparency in its fee structure, eliminating hidden charges and unexpected fees.


  • Limited Loan Amounts: Unacash primarily offers small loan amounts, which may not be sufficient for borrowers with significant financial needs.
  • Short-Term Loans: All loans provided by Unacash are short-term in nature, meaning borrowers need to repay the loan within a relatively brief period.
  • Higher Interest Rates: Compared to traditional bank loans, Unacash may have slightly higher interest rates. Borrowers should carefully consider the cost of borrowing before making a decision.
  • Late Payment Fees: Unacash imposes additional charges in the form of late payment fees if borrowers fail to meet the payment deadlines.

Considering the advantages and disadvantages, it is important to view Unacash loans as a short-term financial solution. Borrowers should carefully weigh their options and evaluate their financial requirements before choosing one of Unacash’s loan products.

Tips and Experiences when Borrowing Money Quickly via Unacash

To enhance the loan process and improve the approval rate, borrowers can benefit from the following tips and experiences:

Borrowing Experience:

  • Carefully Choose Loan Applications: Select loan applications with a high approval rate and complete the loan application process accurately and comprehensively.
  • Consider the Need for a Quick Loan: Quick loans, such as those offered by Unacash, are designed to address temporary financial difficulties. It is crucial to evaluate the necessity and urgency of the loan.
  • Review Service Fees: Pay attention to the service fees associated with the loan. Some loan apps may not provide detailed information about fees, so it is essential to inquire about them before making a borrowing decision.
  • Active Financial Management: Due to the higher interest rates charged by loan apps like Unacash, borrowers should proactively manage their finances to avoid falling into debt and ensure timely repayment.

Loan Tips:

  • Explore Alternative Loan Apps: Apart from Unacash, borrowers can consider other loan applications such as One Click Money, Money Cat, and Robocash. These apps also offer quick loans with automatic disbursement features.
  • Income Level Consideration: When filling out income details, it is advisable to provide an amount exceeding 6,000 PHP, as this can increase the chances of loan approval.
  • Apply to Multiple Apps: To increase the loan amount, borrowers can apply to multiple loan applications simultaneously, leveraging the available options.
  • Try Alternative Apps: If a loan application is rejected by Unacash, it is worthwhile to attempt applying to other loan apps, as approval may be more easily obtained.

Conditions for Borrowing Money via Unacash

Unacash sets relatively easy conditions for borrowers. To start using Unacash, applicants need to meet the following requirements:

  • Be at least 18 years old and a Filipino citizen.
  • Possess a valid email address and mobile number.

Repayment Options

Unacash offers various repayment options for its borrowers. These include:

  • Online Payment: Borrowers can conveniently make payments through GCash and online bank transfers within the Unacash mobile application.
  • Offline Payment: Unacash allows borrowers to pay offline at partner stores such as 7-11, Bayad Center, Cebuana Lhuillier, and M Lhuillier. Payments can also be made at The SM Store.

In conclusion, Unacash provides a convenient and user-friendly platform for individuals in the Philippines to access short-term cash loans. While the company offers numerous advantages, it is crucial for borrowers to carefully evaluate their financial needs, consider alternatives, and fully understand the terms and conditions before deciding to borrow from Unacash. By doing so, borrowers can make informed decisions and effectively manage their financial requirements.

5/5 - (9 votes)
CashLoanPH Changed status to publish 20/06/2023