Guide on UnionBank Cash Loan 2026 Monthly Installments
UNIONBANK CASH LOAN 2026 – With a Php 100,000 borrowed amount, here is a guide on the monthly due depending on the loan terms set by the UnionBank Philippines.
In the Philippines, the reputable banks are among the best options when to comes to addressing financial problems. One of the trusted banking entities that is operating in the country for several years now is the UnionBank Philippines.
The UnionBank Philippines is in the service of countless Filipinos for several decades now since 1981. It has a wide range of finance products including personal and corporate bank accounts, loan, and credit card offers. It also has insurance policies.
The UnionBank Philippines has several loan offers that were designed for the best purposes. One of which is the UnionBank Personal Loan which is a multi-purpose cash loan offer. You may apply for it to make a personal purchase, travel, host an event, get your car repaired, etc.
There is a short list of qualifications in applying for the UnionBank cash loan offer. To be eligible to apply for the loan, here are the qualifications that a loan applicant should meet:
- 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 loanable amount under the UnionBank Personal Loan offer is up to Php 2 million. Do you wish to borrow Php 100,000 under the loan offer?
The good news is that the monthly due details were provided under the UnionBank cash loan offer. If you wish to borrow Php 100,000, here are the monthly installments:
| Loan Term | Monthly Installment | Interest Rate (per annum) |
|---|---|---|
| 60 months | ₱ 3,047.56 | ACR 26.9% |
| 48 months | ₱ 3,422.56 | ACR 26.9% |
| 36 months | ₱ 4,077.16 | ACR 26.9% |
| 24 months | ₱ 5,432.95 | ACR 26.9% |
| 12 months | ₱ 9,596.86 | ACR 26.9% |
It is important to know that the UnionBank implements fees and charges under the cash loan offer. Here is 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” |
Do you wish to apply for the loan offer of the UnionBank? You might to check on the UnionBank Loans and their amazing features.