Who can apply for the UNO Bank personal loan?
The UNO Bank personal loan is open to Filipino citizens and residents who meet a clear and straightforward set of eligibility criteria, making it accessible to a broad range of working adults across the country. To qualify, applicants must be at least 21 years old and no older than 65 upon loan maturity, and must reside or work in one of UNO’s accepted locations throughout the Philippines.
The advantages of a personal loan from UNO Bank are especially clear when you look at the income requirements, which are realistic for the average Filipino worker. Applicants need a minimum gross monthly income of PHP 20,000, and both employed and self-employed individuals are welcome, provided they meet the tenure requirements set by the bank.
Requirements to obtain the UNO Bank personal loan
For employed applicants:
✔ Valid government-issued ID with ID number, gender, and civil status (Philsys national ID, ePhilID, Philippine passport, driver’s license, UMID, SSS ID, or PRC ID)
✔ Latest one-month pay slip, OR
✔ Certificate of employment (COE) with compensation details, OR
✔ Credit card statement of account (latest one month) with a minimum credit limit of PHP 25,000, OR
✔ Other loan statements showing a minimum loan limit of PHP 15,000
For self-employed applicants:
✔ Valid government-issued ID (same accepted IDs as above)
✔ Credit card statement of account (latest one month) with a minimum credit limit of PHP 25,000, OR
✔ Other loan statements showing a minimum loan limit of PHP 15,000
Required from all applicants:
✔ Active Philippine mobile number and valid email address for OTP verification
✔ A selfie for eKYC identity verification and proof of life
A tip for you!
Including your credit card statement as a supporting document, if you hold a card with a minimum limit of PHP 25,000, can meaningfully increase your chances of approval. It shows UNO that you have an established credit history, which is one of the less obvious advantages of a personal loan from UNO Bank for applicants with existing credit.
Always ensure your #UNOready savings account is funded on or before your monthly due date, since repayments are collected via automatic debit arrangement. Missing a payment triggers a late fee of PHP 500 or 5% of the unpaid installment, whichever is higher, so maintaining a balance buffer is a smart and simple habit.
If you ever need support, UNO’s customer happiness team is available daily from 6AM to 10PM through in-app chat, and their fraud hotline runs 24/7. This level of ongoing support is one of the clear advantages of a personal loan from UNO Bank compared to many informal lenders with little post-disbursement assistance.
What are the rates of the UNO Bank personal loan?
The UNO Bank personal loan charges a monthly add-on rate starting at 1.79%, applied to the full original principal and remaining constant throughout the repayment period. On a PHP 100,000 loan with a 36-month tenor, this results in a monthly installment of approximately PHP 4,567.78.
The annual percentage rate (APR) ranges from 35.78% to 37.54% depending on the chosen tenor, and the effective interest rate (EIR) ranges from 45.42% for 36-month loans to 57.22% for 6-month loans. Understanding these figures is key to making a genuinely informed borrowing decision beyond the headline monthly rate.
In addition to interest, borrowers should budget for a processing fee of 3% of the loan amount or PHP 500, whichever is higher, plus the documentary stamp tax of PHP 1.50 per PHP 200 of the loan amount. When weighed against the speed and accessibility of the product, these costs reflect the overall advantages of a personal loan from UNO Bank for Filipinos who need regulated, reliable credit.
How to apply for the UNO Bank personal loan?
Applying for the UNO Bank personal loan is entirely digital through the UNO Mobile App, available on Google Play and the App Store. New applicants open the app, tap “Join UNO,” verify their mobile number via OTP, select the #UNOnow product, scan a valid ID, complete the selfie check, fill in their details, and submit for evaluation.
For existing UNO customers, the process is even faster: log in, go to the loans dashboard, tap “Apply,” provide any additional information required, and confirm the submission. Once approved, funds are credited to the UNO savings account and a full loan contract is sent by email.
Now that you know all the advantages of a personal loan from UNO Bank, there is no better time to take action. Click the button above to go directly to the official UNO Digital Bank page and start your application in just a few minutes, from anywhere in the Philippines.
