UnaPay – Buy Now Pay Later Service Information

If you are looking for an installment loan service in the Philippines, UnaPay is a great choice. This service is ideal for people making a large online purchase and needing a helping hand with the cost.

So, what is UnaPay, and how does it work? Continue reading to know how to qualify for the UnaPay Philippines installment loan service easily.

Should you choose UnaPay?

Should you choose UnaPay?

Get cash from Unapay now

What is UnaPay?

UnaPay, created by Digido Finance Corp. in the Philippines, offers item installment loans through a “buy now pay later” approach. Customers can buy items on Lazada with their UnaPay installment service and earn rewards for doing so, as well as 6-month loan terms.

This is convenient because repayment terms are flexible instead of traditional bank loans. All you need to do is fill out an application online, get approved for a pre-set amount, then withdraw that money to your Lazada electronic wallet and ready for shopping!

UnaPay is the trusted payment gateway that can help you find a way around your lack of spending cash on hand when you are shopping online at Lazada.com.ph. Log in and then continue as usual with your purchase.

Currently, the UnaPay service can be used only via its website. Resources are being acquired to create a native app that will enable users to make payments and transfer funds using their phones. 

At the moment, UnaPay has Lazada as its sole merchant partner. More partners are expected to be integrated into UnaPay over time, with more collaborations with other merchants on the horizon.

Repay your loan on time

UnaPay is an installment loan website

UnaPay Loan Requirements

To get started with UnaPay, you will need to have Filipino nationality, at least 18 years of age or older, and have either a valid phone number or email address.

UnaPay Loan requires you to provide three types of documents: 

  • A valid Identity Document

Any of these following will work: Driver’s License, Social Security System, Unified Multi-Purpose ID, Philippine Passport, Improved Postal ID, or Professional Regulation Commission.

  • Proof of billing

You can prepare your electric bill, water bill, cable TV bill, mobile phone bill, Internet bill, and credit card bill for this document. All these bills should be within three months and under your name or your address.

  • Proof of income

As a business owner, you will need a Barangay Business Permit if your business is small, a Mayor’s Permit or an SEC/DTI Permit if you own a medium to large business.

For Employed, you have to provide a Certificate of employment, Upwork Employment Certificate, or even your latest one-month Payslip.

And if you are a remittance receiver, show your recent remittance slips screenshots of Paypal or bank transaction history.

Simple requirements

Simple requirements 

See also: PeraJet Phillippines Everything You Need To Know

How To Get A UnaPay Loan

It is very easy to apply for a loan with UnaPay. You need to follow these simple instructions!

First of all, access and open the UnaPay website at https://unapay.com.ph/. You can either sign in to a new account or choose the Apply button directly.

Then you will need to fill in the Application Form. You can choose the loan amount and the loan term and complete your information. Please fill out the parameters as accurately as possible.

Get cash from Unapay now

To complete the process of sending money from UnaPay to your Lazada e-wallet, be sure by putting in the correct credentials of your account. Be sure to double-check everything; this shouldn’t take more than 10 minutes.

Wait for the UnaPay loan approval. This process only takes less than 5 minutes. After the request is approved, the company will inform you via email. In case of rejection, you will also receive a notification from the service.

If you successfully get UnaPay, continue transferring the fund to your online Lazada wallet.

Lazada’s system doesn’t expire user-account balances, so a customer can easily use it until depleting the funds. The money is added automatically, and that service can take around 24 hours to process.

Fast and time-saving process

Fast and time-saving process

How To Pay UnaPay Loan

Like other loans, we must always remember that our UnaPay installments come due in full. When possible, customers should pay on time. If a reminder is missed or ignored, penalties may be incurred, which can adversely affect your credit score, which must be avoided.

At some point in the future, you will be able to re-borrow from UnaPay if need be. However, the best way to improve your credit standing is by keeping current on your regular monthly payments whenever possible.

If you would like to repay your installment loans online, find and use services like Unionbank, Metrobank, BDO, or RCBC. For offline repayments, lookup for one of our following partners: LBC, 7-Eleven, Bayad Center, Cebuana Lhuillier, SM Stores, M Lhuillier.

Repay your loan on time

Repay your loan on time 


Is UnaPay Legal?

Yes, Unapay is on the list of registered organizations documented by the SEC, which means they have been inspected and are verified to run a legitimate business. From this, we can tell that Unapay is an organization that works under laws and standards set forth by the governing body of that country.

What Is UnaPay Loan Interest Rate?

Options from UnaPay Philippines regarding interest rates start at 3% per month and go up to 10%. The maximum amount for these loans is 50000 pesos, with a minimum of 2000 pesos. Installments are available for 1 to 6 months.

What If I Cannot Repay My UnaPay Installment?

It is always better to pay your installments on time to avoid additional charges. Failure to pay the installment by its due date will send reminders to you. Should you fail to act upon these reminders by paying off your installment, UnaPay will have no choice but to resort to filing legal proceedings against you or your business on account of default.


The UnaPay Philippines is the best website to help you find the right installment loan provider for you. They have a simple, easy-to-use process that can have you receive money in your bank account in less than one hour. It is your chance to have the financial services and the best offers. 

Get cash from Unapay now

See also: Binixo Phillippines Information & Review

Leave a Reply

Your email address will not be published. Required fields are marked *