UBP Quick Loan: Digital Loan Program of UnionBank

In the modern era of rapid progress, having prompt access to cash can play a pivotal role in addressing pressing financial requirements. UnionBank understands this need and has introduced the UnionBank Quick Loans, a fully digital loan program designed to provide qualified UnionBank account holders with easy and rapid access to cash.

With a maximum loan amount of PHP 50,000 and a competitive interest rate of 10% per annum, this loan program offers a convenient and hassle-free solution for individuals seeking financial assistance. In this review, we will delve into the key aspects of UnionBank Quick Loans, including eligibility criteria, application process, benefits, and additional details.

Eligibility Criteria for Quick Loans

To be eligible for a Quick Loan from UnionBank, you must meet the following requirements:

  • Be a UnionBank account holder: As this loan program is exclusively available to UnionBank customers, having an active UnionBank account is a prerequisite.
  • Maintain a good credit history: UnionBank values responsible borrowing practices. Therefore, a good credit history is necessary to qualify for a Quick Loan. This ensures that borrowers have a track record of meeting their financial obligations.
  • Have a regular source of income: Demonstrating a stable income source is essential to ensure your ability to repay the loan. This requirement helps UnionBank assess your financial capacity and minimize the risk associated with lending.

Application Process for Quick Loans

Applying for a Quick Loan from UnionBank is a straightforward and convenient process. Here’s how you can initiate your application:

  1. Log in to your UnionBank Online App (https://go.onelink.me/OgnL/945f6242) or website (https://www.unionbankph.com): Access your UnionBank account through the official app or website using your login credentials.
  2. Click on the “Loans” tab: Navigate to the “Loans” section, which can typically be found on the main dashboard or the menu bar.
  3. Select “Quick Loans”: Within the loans section, locate the option specifically dedicated to Quick Loans and click on it to proceed.
  4. Follow the instructions on the screen: UnionBank’s user-friendly interface will guide you through the necessary steps to complete your loan application. Make sure to provide accurate and up-to-date information to avoid any processing delays.

Once you’ve submitted your application, UnionBank aims to provide a swift response. If your application is approved, the loan amount will be credited to your UnionBank account within a remarkable 60 seconds.

Benefits of UnionBank Quick Loans

UnionBank Quick Loans offer several advantages that make them an attractive option for individuals seeking quick access to cash. Here are some notable benefits:

  • Quick and easy application process: With the loan application process being entirely digital, you can apply for a Quick Loan from the comfort of your home or anywhere with an internet connection. This eliminates the need for lengthy paperwork and physical visits to a bank branch.
  • Competitive interest rates: UnionBank understands the importance of fair lending practices. Therefore, they offer Quick Loans at a competitive interest rate of 10% per annum, ensuring that borrowers receive favorable terms.
  • Flexible loan terms: UnionBank Quick Loans come with flexible repayment options. Borrowers can choose a loan term of up to 12 months, allowing them to tailor their repayment schedule according to their financial capabilities.
  • Convenient online repayment options: Repaying your Quick Loan is hassle-free with UnionBank’s online repayment options. You can conveniently make repayments through the UnionBank Online App or website, ensuring timely settlement of your loan.

If you find yourself in need of immediate financial assistance, UnionBank Quick Loans can be an excellent solution to consider.

Additional Details about UnionBank Quick Loans

To provide a comprehensive overview, here are some additional details regarding UnionBank Quick Loans:

  • Minimum loan amount: The minimum loan amount that UnionBank offers through the Quick Loan program is PHP 5,000. This ensures that borrowers have access to smaller loan amounts if they require a modest financial boost.
  • Maximum loan amount: The Quick Loan program provides a maximum loan amount of PHP 50,000. This ceiling allows borrowers to meet their urgent financial needs without requiring collateral.
  • Interest rate: The interest rate for Quick Loans from UnionBank is fixed at 10% per annum. This competitive rate ensures that borrowers can secure funds at reasonable costs.
  • Loan term: UnionBank provides a flexible loan term of up to 12 months, allowing borrowers to manage their repayments effectively.
  • Processing fee: There is a one-time processing fee of PHP 500 associated with Quick Loans from UnionBank. This fee covers administrative costs related to processing the loan application.
  • Late payment fee: In the event of late repayments, UnionBank charges a late payment fee of PHP 500 per day. It is crucial to honor your repayment obligations promptly to avoid incurring additional costs.


UnionBank Quick Loans present a convenient and efficient solution for individuals seeking quick access to cash in the Philippines. With a fully digital application process, competitive interest rates, flexible loan terms, and convenient repayment options, UnionBank ensures that borrowers can meet their financial needs swiftly and without unnecessary complications.

If you fulfill the eligibility criteria and require immediate financial assistance, UnionBank Quick Loans may be the right choice for you. For further inquiries, you can contact UnionBank’s customer service department at (02) 8841-8600.

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