All Type

UnionBank Personal Loan

Got any big plans for the future? Plan your life the way you want it when you apply for a UnionBank Personal Loan online. Borrow up to ₱2 million without collateral and get approved in as fast as 5 minutes!
See Moreexpand_more
Default Repayment ₱50000 to be repaid in 24 months
24 mth
36 mth
60 mth

UnionBank Personal Loan

UnionBank Personal Loan
Monthly repayment
Monthly add-on interest rate
Total repayment
Total interest

Offer Available

Get a welcome gift worth up to ₱10,990!
Digital Gift (₱5,000 or ₱10,000 eGift)
Digital Gift (₱5,000 or ₱10,000 eGift)

+ 1 other gift options

Valid until

30 June 2024

Where Can I Use a UnionBank Personal Loan?


You can use your UnionBank Personal Loan to fund huge expenses that usually take years to save up for. Because of UnionBank's high loan amount, you can use your loan to make life-changing decisions. Here are just some of the most common loan purposes in the Philippines:


  • Home Renovation. Want to renovate your home? Fund quick major repairs with your UnionBank Personal Loan. You can also use it to expand your real estate property.
  • School Expenses. Got any unpaid tuition or other school expenses? Whether it’s for you or your children’s education, don’t miss a school year with a UnionBank Personal Loan.
  • Debt Payment. Stressed by unpaid debts? As long as you’re in good standing with your previous loan provider, you can also use your UnionBank Personal Loan to settle your debts.
  • Emergency Expenses. Unfortunate situations can hit you when you least expected them. Fund any emergencies when you apply for a UnionBank Personal Loan.

Who Can Get a UnionBank Personal Loan?


To start your journey, you need to meet the following UnionBank Personal Loan eligibility criteria:

  • At least 21 to 65 years old
  • Filipino resident or a local resident foreigner with a valid Philippine billing address
  • Minimum gross annual income of ₱250,000
  • Must be a principal credit cardholder for at least 3 months
  • Must have a tax identification number (TIN)

UnionBank Personal Loan rates

  • Loan terms: 1 to 5 years
  • Average annual contractual rate: 26.9%
  • Documentary Stamp Tax: ₱1.50 for every ₱200 of the loan amount
  • Disbursement fee: ₱1,750
  • Late payment fee: ₱500 or 6% of the overdue amount, whichever is higher
  • Closure handling fee: 4% of the unbilled principal component of the loan that is prepaid