Unacash

Introducing UnaCash, the enhanced Buy Now, Pay Later service designed to upgrade your lifestyle by offering easy, flexible, and transparent financial solutions. Explore a world of convenient shopping and manageable payments, all at your fingertips.

Pay Light and Live Bright

Discover Exciting Deals: Browse and purchase your dream gadgets, appliances, and furniture from a vast network of partner merchants across the Philippines. Enjoy product loans up to Php 50,000 with interest rates starting at 0%.

Flexible Payment Terms: Spread your payments over 12 months according to your budget and preferences. Enjoy the flexibility to manage big purchases without financial strain.

Effortless and Hassle-Free

Quick Approval: Experience a seamless application process. Get approved within minutes using just one valid ID and a completed application form. No credit card is needed!

Easy Repayments: Pay your UnaCash installment loan through partner online banks, e-wallets, or over-the-counter channels. Simplify your repayment experience.

Download Now: Install the UnaCash app and start shopping at our partner stores today!

Loan Amounts and Terms

For New Loans:

• Loan Amount: Php 3,000 - Php 10,000
• Loan Terms: 5-6 months
• Loan Amount: Php 10,001 - Php 50,000
• Loan Terms: Up to 6 months

For Repeat Loans:

• Loan Amount: Php 3,000 - Php 10,000
• Loan Terms: 5-6 months
• Loan Amount: Php 10,001 - Php 50,000
• Loan Terms: Up to 12 months

Payment Frequency: Monthly or bi-monthly

Past Due Interest and Penalties

Past Due Interest (PDI) Rate:

• Daily rate varies from 0.27% to 0.33%.
• Example: For an outstanding balance of Php 1,000, the daily PDI would be Php 1,000 x 0.27%.

Penalties for Late Payments:

• Penalties are applied at 5, 30, 60, and 90 days past due.
• Calculated as a percentage of the overdue amount (principal + interest).
• Example: For a 5-day overdue penalty on an overdue amount of Php 2,500, the penalty would be Php 2,500 x 3%.

Annual Percentage Rate (APR): 0 - 36% Minimum Period: 90 days Maximum Period: 365 days

Loan Calculation Example

Loan Amount: Php 13,000 Nominal Monthly Interest Rate: 8% per month Term: 6 months Compounding Monthly

Installment Amount: Php 2,812 x 6 months Interest Charged: Php 3,872 APR Calculation:

• APR = ((Interest + Fees / Loan Amount) / N) x 365 x 100
• Example Calculation: APR = ((3,872 + 0 / 13,000) / 180) x 365 x 100

Disclaimer

The loan calculation provided is for illustrative purposes only, offering a general idea of potential loan costs and payments. Actual terms and conditions of a loan may vary based on factors such as interest rates, loan duration, and individual creditworthiness.

UnaCash is operated by DIGIDO FINANCE CORP., a licensed financing company (SEC Registration No. CS202003056; Certificate of Authority No. 1272). Please review the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.

With UnaCash, enjoy the convenience of flexible, transparent, and hassle-free financial solutions tailored to your needs. Download the app now and transform your shopping experience!