Guide on UnionBank Cash Loan 2026 Monthly Installments
UNIONBANK CASH LOAN 2026 – With a Php 900,000 borrowed amount, here is a guide on the monthly due depending on the loan terms set by the UnionBank Philippines.
Undeniably, one of the most inevitable situations is to be in a circumstance wherein you need an access to extra cash. Meanwhile, nowadays, there are excellent options that you can turn to — just like the offers of the UnionBank.
UnionBank has earned its place as one of the trusted banks in the Philippines. Established in 1981, it has built a strong reputation among countless Filipinos who have remained loyal clients over the years. Since its founding, the bank has steadily expanded its services, ensuring that each offering comes with features designed to meet the evolving needs of its customers.
Beyond its personal and corporate savings and checking accounts, UnionBank also provides a wide range of financial products, including credit cards, loans, and insurance policies. Among these, the UnionBank Personal Loan stands out as the most flexible option, giving borrowers the freedom to use the funds in various ways.
The UnionBank Personal Loan is a multi-purpose cash loan designed to support different financial goals. Whether you need extra pocket money for travel, funds for a personal purchase, capital for business expansion, or even improvements for your car, this loan can serve as a reliable solution to help you achieve your plans.
There are only a few qualifications required under the UnionBank Cash Loan program. To be considered eligible, applicants must meet the following criteria set by the bank.
- a Filipino resident or a local resident foreigner with a valid Philippine billing address
- at least 21 to 65 years old
- a Tax Payer’s Identification Number (TIN)
- a principal credit cardholder
- with a minimum gross annual income of Php 250,000
The UnionBank Personal Loan gives borrowers the flexibility to access amounts of up to ₱2 million, making it a practical option for a wide range of financial needs. Whether you’re planning a major purchase, funding a project, or simply need extra cash, this loan can provide the support you’re looking for.
You can actually check the estimated monthly installment even prior to the application for the loan. For example, if you intend to borrow Php 900,000, here is a guide on the monthly dues and the interest rate per annum:
| Loan Term | Monthly Installment | Interest Rate (per annum) |
|---|---|---|
| 60 months | ₱ 27,428.03 | ACR 26.9% |
| 48 months | ₱ 30,803.05 | ACR 26.9% |
| 36 months | ₱ 36,694.43 | ACR 26.9% |
| 24 months | ₱ 48,896.59 | ACR 26.9% |
| 12 months | ₱ 86,371.75 | ACR 26.9% |
Like in most loan offers, the UnionBank Philippines applies fees and charges under its Cash Loan offer. Here’s a guide:
| Annual Contractual Rate | “Exact ACR will be indicated in the Disclosure Statement” |
| Disbursement Fee | P1,750 for each disbursement |
| Documentary Stamp Tax (DST) | P1.50 for every P200 of the amount, which is subject to applicable laws and regulations. |
| Effective Interest Rate | “Exact EIR will be indicated in the Disclosure Statement.” |
| Closure Handling Fee | 4% of the unbilled principal component of the loan that is prepaid. |
| Returned Check Fee | P1,500 will be charged for every check that is returned or that bounces due to insufficiency of funds, uncollected deposits, stop payment order, alterations or erasure, among others. |
| Monthly Late Charge | P500 or 6% of the Overdue Amount, whichever is higher. |
| Monthly Interest Charge | Interest computed using the monthly revolving interest of 2.42% |
| Attorney’s Fees & Other Judicial Expenses | “Cost of collection and/or attorney’s fees and the litigation and judicial expenses as applicable” |
Aside from the said UnionBank loan offer, you might also like to check the UnionBank Loans and their excellent features.