UnaPay is a legitimate fintech company that offers online shopping loans with flexible installment plans registered under the name Digido Finance Corporation. It is a Buy Now, Pay later solution for online and offline customers that offers the convenience of a credit card, without the lengthy and stringent application process. 
<a href="/" target="_blank">Buy Now, Pay Later programs</a> are becoming a trendy alternative to credit cards due to its flexible payment schemes, fast and easy application, and affordable interest rates. 
<img src="https://unapay.com.ph/uploads/BNPL_Blog_Banner_0dd2dc6880.jpg" alt="BNPL_Blog Banner.jpg">
<h2 id="so-how-does-it-work">So, how does it work?</h2>
You just send an application through our website unapay.com.ph and wait for a notification on whether your application is approved or declined. 
You can apply for a Lazada shopping loan from ₱2,000.00 to ₱50,000.00. An interest rate of 8.33% be added to your bi-monthly payment (your monthly total bill will be divided into two payment dates, 15 days apart). 
If your loan application is approved, you will receive the loan amount in your Lazada wallet as credits. This Lazada wallet credits has no expiration date, so you don&#39;t have to use them all in one go. 
Your application can also be declined, depending on your credit history. But don&#39;t worry! You can submit a new application after 30 days. 
<h2 id="how-to-apply">How to Apply?</h2>
The application process is pretty simple. You just need a proof of income and 1 valid ID. 
Here are the accepted proof of income:
<ul>
<li>Bank transaction history</li>
<li>Payslip</li>
<li>Paypal transaction history</li>
<li>Remittance slips</li>
<li>Upwork Certificate of Employment </li>
</ul>
And here are the list of accepted IDs:
<ul>
<li>1 Valid ID</li>
<li>National ID</li>
<li>Driver&#39;s License</li>
<li>SSS</li>
<li>UMID</li>
<li>Philippine Passport</li>
<li>TIN ID</li>
<li>Improved Postal ID</li>
</ul>
You may feel that the process is a bit lengthy, but it’s pretty simple and straightforward. 
Just make sure that your internet connection is stable and your documents are ready and at hand. And make sure you don’t refresh the page or close your browser because this will automatically tag your application as declined. You can only apply again after 30 days. 
The application process is also detailed <a href="/blog/lazada-loans-online-%7C-what-is-it-and-how-to-apply" target="_blank">here</a>. And if you encounter any technical issues during your application, do not hesitate to reach out to us at <a href="mailto:&#99;&#x61;&#114;&#101;&#x40;&#x75;&#x6e;&#97;&#112;&#97;&#x79;&#46;&#99;&#111;&#x6d;&#x2e;&#x70;&#x68;">&#99;&#x61;&#114;&#101;&#x40;&#x75;&#x6e;&#97;&#112;&#97;&#x79;&#46;&#99;&#111;&#x6d;&#x2e;&#x70;&#x68;</a> and we will help you. 
<h2 id="whats-the-approval-process">What’s the approval process?</h2>
After submitting your application, do not close or refresh your browser. Give us some time to go over the documents you sent and validate the information you gave us. 
Why?
This step is just to make sure that you are a legitimate person with true background information. This is an important step because, let’s face it; there are a lot of scammers out there and we are not exempt from it either. We just have to make sure that you are not one of them. 
You will receive an email regarding the status of your loan application. If your application is declined, don’t worry! You can apply again after 30 days. 
If your loan is approved, you just have to respond to the email with the OTP to accept the terms and agreements, and to sign the Amortization Schedule and Promissory Note. 
<h2 id="how-do-i-get-my-loan">How do I get my loan?</h2>
Once your loan application is approved, you need to make sure that your Lazada wallet is activated because this is where your loan will automatically be credited. This can take up to 24 hrs. 
<h2 id="how-do-i-pay-my-loan">How do I pay my loan?</h2>
We have a lot of online and offline payment options available for you to choose from. 
You can repay your installments at any payment partner below:
<a href="/faq/where-how-to-repay-unapay-loan/how-to-pay-unapay-loans-online" target="_blank">Online</a>
<ul>
<li>GCASH</li>
<li>via online bank transfer</li>
<li>UnionBank</li>
<li>BDO</li>
<li>BPI</li>
<li>RCBC</li>
<li>PNB</li>
<li>Metrobank</li>
</ul>
<a href="/faq/where-how-to-repay-unapay-loan/how-to-pay-loans-over-the-counter" target="_blank">Offline</a>
<ul>
<li>7 Eleven</li>
<li>Cebuana Lhuillier</li>
<li>M Lhuillier</li>
<li>LBC</li>
<li>Bayad Center</li>
<li>SM Stores</li>
</ul>
<h2 id="i-just-paid-by-bill-why-do-i-have-another-payment-date-in-the-same-month">I just paid by bill. Why do I have another payment date in the same month?</h2>
Some customers may find it difficult to pay their monthly installments in one go, so we decided to split the total monthly payment into a bi-monthly installment. This allows our customers to pay less in each cut off. 
If you want to pay the total amount in one payment, you are welcome to do so. Just make sure you’re not skipping one payment date to avoid penalties. 
<h2 id="what-will-happen-if-i-dont-pay-my-loan-on-time">What will happen if I don’t pay my loan on time?</h2>
Paying your loan installments on time will not only save you the stress of dealing with regular collection calls, but it also improves your credit score and standing with money lenders. 
This will come in handy when you need to apply for another Lazada loan later on. Most importantly, you avoid paying more money because you can avoid penalties, such as late charges and interest charges. 
In worse cases where outstanding payments are not settled, customers can be sued for not paying their bills. Paying your bills on time will prevent you from facing civil/criminal charges based on delayed dues. 
When you feel like you can’t pay your due amount on time, you may contact us and request for prolongation. This will give you 5 more days to pay your dues, with a ₱200 peso charge. This is better than paying ₱800 for delayed payments. 
Don’t worry! If you forget that your payments are coming up, our dedicated Collection Specialists will call you to remind you about your due date, the amount due, and guide you where you can conveniently settle your due payments. We aim to help you avoid penalties and piling up charges so you can have a hassle-free experience with UnaPay. 
Our Collection Specialists can also be assertive. They can also be a bit pushy sometimes. But rest assured that our Collections Team are friendly and will help you in anyway they can to find ways to pay your loans with the least possible penalties. Threats and defamation is unacceptable. 
If you need assistance about your <a href="" target="_blank">Lazada loans online</a>, payment terms, complaints, and other UnaPay services, contact us at <a href="mailto:&#x63;&#97;&#114;&#x65;&#64;&#117;&#110;&#97;&#112;&#x61;&#x79;&#x2e;&#99;&#x6f;&#x6d;&#46;&#x70;&#104;">&#x63;&#97;&#114;&#x65;&#64;&#117;&#110;&#97;&#112;&#x61;&#x79;&#x2e;&#99;&#x6f;&#x6d;&#46;&#x70;&#104;</a>. 
<h2 id="what-is-a-pn-number-and-why-is-it-important">What is a PN number and why is it important?</h2>
The PN (Promissory Note) number serves as your account number, which you will be using to make inquiries about your loan and amortization. You will find your PN number on your loan documents (Amortization Schedule, Disclosure Statement, General Terms and Condition and Promissory Note) that we have sent through email during your application. 
When making a payment through our online channels, you will need it to generate the reference code, which you will use to make your payments. This allows us to check your payment status real-time, instead of waiting for the payment channel to post your payment, which takes an average of 2-3 days after you made your payment. 
This causes problems among customers because their payments are tagged late, despite actually paying on time. 
If you can&#39;t access your loan documents, you may contact us on our official Facebook page at Facebook.com/Unapay for real-time assistance.
<h2 id="how-to-convert-my-lazada-loan-credentials-to-cash">How to convert my Lazada Loan credentials to cash?</h2>
This is a question our customers commonly ask through our social media channels. Lazada’s app has no official feature enabling you to convert Lazada wallet credits to cash. So does UnaPay, since your loan amount is credited straight to your Lazada wallet. 
<h3 id="simply-put-you-cant-convert-your-lazada-loan-to-cash">Simply put, you can’t convert your Lazada Loan to cash.</h3>
<h4 id="third-party-conversion">Third Party Conversion</h4>
There are some who offer the services to convert your Lazada wallet credits to cash. However, these services charge around 20% to 30% conversion fee. That’s huge! If you want to convert P10,000, for example, you’ll be paying P2,000 to P3,000 conversion fees. Imagine what other discounted items you can get from Lazada with P3,000 instead of paying the conversion fees.
<h4 id="conversion-scam">Conversion Scam</h4>
And let’s not forget about scams widespread online. We’ve received reports from our customers who were scammed by these individuals. 
The modus is simple. Someone offering conversion services will ask you to transfer your Lazada credits to their wallets. Once they receive your credits, you will be immediately blocked. And your Lazada credits, gone.
Sometimes, these individuals will even introduce themselves as UnaPay representatives, offering to convert your Lazada credits to cash. Please remember that UnaPay will never communicate with you through unofficial Facebook accounts. Most importantly, UnaPay does not offer conversion services for Lazada credits.
BEWARE OF THESE SCAMS! Never let anyone convince you to transfer your Lazada credits to their account with the promise of giving them back. Even when their offers are very tempting. 
Just enjoy your Lazada credits buying discounted items from Lazada. Happy shopping!

UnaPay is a legitimate fintech company that offers online shopping

What is UnaPay

BNPL_Blog Banner.jpg

What is UnaPay? | Buy now, pay later with low interest installments up to 6 months

With safety protocols still in place, online banking and other forms of online transactions surely bring convenience to the next level. It gives us the ability to settle banking transactions, shop for basic (and non-basic) needs, and apply for loans within the comfort and safety of our homes. 
But with the booming digital economy comes the dangers of scams such as identity theft, phishing, and prize scams. Hackers and cyberthieves took advantage of the pandemic and the development of new online banking systems to create new ways to tailor-fit traps to rip you off of your money. 
<img src="https://unapay.com.ph/uploads/SCAMS_9dcd2f709c.jpg" alt="Online Shopping Scams 2021">

These online scams are designed in ways that would make it difficult, if not impossible, for you to get your money back or catch the criminals. 
<h2 id="what-are-online-scams">What are online scams?</h2>
Online scams are basically any act by a person or a group of people who use the internet to deceive unsuspecting victims to take their money in various ways. Hackers and cyberthieves get your information and habits through your digital footprint (search history, Lazada purchases, etc.). 
<h2 id="why-should-you-be-careful">Why should you be careful?</h2>
They tailor-fit traps in order to make you spend money on seemingly good deals that you won’t ever receive. Through these seemingly harmless deals, hackers or cyberthieves get your credit card or personal information so they can either steal from you or make transactions on your behalf without your knowledge. 
Regardless of the method, hackers and cyberthieves have one goal: to get your money. 
<h2 id="different-types-of-online-scams">Different types of online scams?</h2>
<h3 id="identity-theft">Identity Theft</h3>
<img src="https://unapay.com.ph/uploads/20945631_0dfccc8538.jpg" alt="20945631.jpg">
Hackers or cyberthieves gather your basic information to either set up a new account or access your existing account to change settings and lock you out of your own accounts. They also use this information to pretend to be you to defame, defraud, or extort you of you of your hard-earned money. 
In worse cases, they get your bank information such as credit and debit cards to make transactions on your behalf. Sometimes, the transactions are so small that you might think nothing of them. Other times, however, victims experience really expensive purchases to the point that they stay in debt for the rest of their lives. In the Philippines alone, 6.5% in every 1000 Filipinos have experience in having their identities stolen online. 
Read more: <a href="https://vpnoverview.com/internet-safety/cybercrime/identity-theft/" target="_blank" rel="nofollow">What is Identity Theft and How did it Become Such a Big Problem?</a>
<h3 id="phishing">Phishing</h3>
<img src="https://unapay.com.ph/uploads/Phishing_e89ae08acd.jpg" alt="Phishing - online scams">

You may have heard of it before, since Phishing is the most common online scam these days. In fact, it dominates cybercrimes in the country with the National Bureau of Investigation NBI-Cyber Crimes Division (NBI-CCD) reporting a 200% increase in Phishing cases from March to July 2020 (Rappler, 2020). 
Phishing happens when someone poses as a legitimate individual or organization to get your basic personal information to rip you off your money. They usually send you an email about something alarming such as your bank account has been hacked and you have to click a link to report suspicious activity. Then the link would capture your information such as passwords, credit card information, address, etc. 
This information can be used for other scams later on, such as fake credit cards under your name, fake IDs, and other malicious activities set to cause damage to your image and reputation. 
Read more: <a href="https://www.rappler.com/nation/phishing-top-philippines-cybercrime-during-pandemic" target="_blank" rel="nofollow">Phishing is top PH cybercrime during pandemic – authorities</a>
<h3 id="prize-scams">Prize Scams</h3>
<img src="https://unapay.com.ph/uploads/Prize_Scam_8ec8b4f22a.jpg" alt="Prize Scams">

As the name suggests, you receive a message through text or email about supposedly winning a prize from somewhere, in order to capture your information. 
One common example is receiving a text message from someone saying you’re one of the random winners of an iPhone 12 from Shopee or Lazada. You have to click the link in the message where you can indicate the mailing address so you can receive your prize. Then you will be asked to put your credit card information to pay the shipping costs of your prize. 
No matter how enticing this may sound, do not give in to their offers on the pretense of “subukan lang natin, wala namang mawawala.” Because we may be losing a lot in the future despite these offers seeming harmless now. 
<h3 id="online-shopping-scams">Online Shopping Scams</h3>
<img src="https://unapay.com.ph/uploads/Online_Shopping_Scam_fe045f57cb.jpg" alt="Online Shopping Scams">

Overpayment and fake online shopping sites are some of the most common forms of online shopping scams. 
Overpayments happen when an online store marks up an item and puts it on sale at the same or slightly higher price than its original price tag, while fake online shopping sites pose as legitimate sellers or resellers. Though certain merchant platforms like Lazada and Shopee implement stringent protocols to make sure that all sellers in the platform are legitimate, you still have to be vigilant when it comes to your online purchases.
The seller and items may seem legit, but also double check whether the items they are reselling are legitimate by cross-checking in different merchant platforms or if the items are sold at a higher price. If the items are priced too low from its original price (e.g. laptops, iPhones, etc.), the higher the chances that it is a scam. 
Read more: <a href="https://www.manilatimes.net/2021/02/06/opinion/columnists/readers-share-online-shopping-scam-experiences/837379" target="_blank" rel="nofollow">Readers share online shopping scam experiences</a>
<h3 id="romance-scams">Romance Scams</h3>
<img src="https://unapay.com.ph/uploads/17361364_183166a192.jpg" alt="17361364.jpg">
This is more cruel if you think about it, as romance scams not only swindle you of your money, but romance scammers also rip you off of your time and emotional investment. This type of scam involves Individuals who would randomly establish a romantic relationship with you then start asking you for money for certain items, in the name of “love”. 
At first, the amount would seem harmless. It can start with a “babe, pa-load naman ng 50.” Then the amount would start going higher and higher. 
In worse cases, they would ask to meet and rob you of your possessions once you’re alone. 
Read more: <a href="https://us.norton.com/internetsecurity-online-scams-online-dating-scam-statistics.html" target="_blank" rel="nofollow">Romance scams in 2021: What you need to know plus online dating scam statistics</a>
<h3 id="ransomwaremalware-scams">Ransomware/Malware Scams</h3>
<img src="https://unapay.com.ph/uploads/hacker_attack_computer_virus_ffd073ebf6.jpg" alt="hacker_attack_computer_virus.jpg">
We’re all too familiar with ransomware attacks from Start Up (episode 14, Netflix). Though some of you may think that you may not lose that much data, these hackers and cyberthieves may collect sensitive information about you and harass you into giving them money in exchange for your data or information. 
It usually starts with an email or an offer from a seemingly legitimate anti-virus software. Once you click on the email, it triggers the installation of the malware into your computer and the malware quickly spreads through your files. This is called a Malware Scam. 
In a similar case, Ransomware starts as Malware that spreads through your computer then encrypts your files so you won’t be able to access them. 
<h2 id="how-to-avoid-online-scams">How to avoid online scams?</h2>
<img src="https://unapay.com.ph/uploads/avoid_online_scams_df29846e6d.png" alt="avoid online scams.png">
To be sigurista would take you a long way. Asking questions and not taking offers at face value always helps when you want to avoid scams. 
<ol>
<li style="margin-top:15px">Never share information with anyone, especially to strangers, who communicate with you through unofficial channels. Receiving a call from the bank out of the blue may seem suspicious, so ask questions such as the nature of the call, get the name of the caller, and the reason why are they calling you. If they are offering promos that require your personal information, visit the closest branch to confirm whether the promos are legitimate. </li>

<li style="margin-top:15px">When you get an email from an unknown source, check the email address, not just the name of the sender. The email address should either be a public email domain such as @google.com, @microsoft.com, or @yahoo.com. If you are unsure, the email domain should be an existing website created by a legitimate registered business or organization. </li>

<li style="margin-top:15px">Change your passwords on a regular basis.</li>

<li style="margin-top:15px">Validate the DTI Registration of promo prizes and do not share your credit card information to claim such prizes. </li>

<li style="margin-top:15px">When shopping online, double check promos and item prices from other sources. For example, a reseller puts Brand X kitchenware set on sale for P1,000 from the original price of P2,500 for the 6.6 sale. Before checking out the items from your cart, check Brand X website for the actual price of the kitchenware you want. You can also check other sellers or merchants for their prices. </li>

<li style="margin-top:15px">Do not give money to people you do not know, even if it’s in the name of love. It is especially suspicious when they would give out reasons every time you wish to meet up. Ask a lot of questions to validate a person’s identity and what their motives are when they approach you in cyberspace. </li>

<li style="margin-top:15px">Similar to avoiding phishing scams, be on the lookout for suspicious emails from unknown sources. Aside from the email address, also check the content of the email. Malware/Ransomware scams are usually hidden under badly written emails. Misspelled words are also common in these emails. And never click on any link from these emails without checking the link source. </li>

<li style="margin-top:15px">Never save your passwords in public access computer browsers. </li>

<li style="margin-top:15px">When you’re using a public access computer, do not forget to log out of your social media and other accounts. Then clear the browser history.</li>

<li style="margin-top:15px">Check seller’s SEC, BIR, and DTI registrations as well as other customer reviews before checking out items from online shopping stores to make sure they are legitimate and items are quality goods. </li>
</ol>

So, think before you click! Taking a few seconds to think about seemingly good deals can save you a lot of time and money from online shopping scams. Check company’s SEC, BIR, and DTI registrations as well as other customer reviews before checking out items.

The ever changing digital landscape opened opportunities but it also exposes customers to frauds and online scams. Here are some ways to recognize scams and what you should do about it. 

Online Shopping Scams 2021 | What are they and how do we avoid them?

UnaPay Blogs_Online Shopping Scams.png

Online Shopping Scams 2021. What are they and how do we avoid them?

<img src="https://unapay.com.ph/uploads/Una_Pay_Blogs_Top_Banks_for_Savings_a28d71b441.png" alt="UnaPay Blogs_Top Banks for Savings.png">
When you want to save money, a savings account is the most convenient, safe, and essential way to safeguard your finances. And while saving your money, you also have to choose the best way to grow your savings while they’re parked in the bank. 
Some Filipinos are quite intimidated by the idea of banks. While some still opt to drop their coins in wooden coin banks, others choose to “invest” in overpromising ventures such as paluwagan, 5-6, etc. And while they solve the problem right away, the risk of losing your hard earned money is higher in these ventures. 
<img src="https://unapay.com.ph/uploads/Savings_e69ad10dac.jpg" alt="Top Banks to Get Your Savings Account in 2021">

Although banks have their downsides as well, they’re still more secure than saving your money elsewhere. Choosing the best among all your options can make a huge difference in how you make your money grow while also keeping it safe. 
And with banks increasing their maintaining balances left and right, it can be quite stressful to learn that the money you saved only went to paying penalties. 
So we created this list to make your lives easier! 
<h2 id="what-is-the-best-bank-for-savings-account-in-the-philippines-for-2021">What is the best bank for savings account in the Philippines for 2021?</h2>
All the banks in this list are subject to 20% withholding taxes on the interests earned and insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱500,000. 
Some banks were eliminated from this list because 
<ol>
<li>initial deposit or maintaining balance is too high,</li> 
<li>minimum balance to earn interest is too high, and lastly</li> 
<li>interest rate may be lower or the same with other banks who offer interest rates at lower minimum balance to earn interest.</li>
</ol>

<h3 id="cimb-bank-ph">CIMB Bank PH</h3>
Why we love it: 
CIMB has the highest interest rate among all available banks with 2.5% to 4% interest rate. CIMB Philippines provides an all-digital banking experience: from applications, to deposits, and withdrawals. With 0 initial deposit and 0 maintaining balance, it would not be difficult for first time savers to set up an account. The application process is easy, even more so if you already have a GCash account. 
<img src="https://unapay.com.ph/uploads/CIMB_1_e18832df5f.jpg" alt="saving account high interest rate - CIMB Bank PH">

You can cash-in through Bayad Center or 7-11 and withdraw your funds anytime through any Bayad Center near you. 
You can also get a FREE life insurance of up to ₱250,000.00 when you maintain a daily balance of ₱5,000.00.
Download the app or apply on their <a href="https://www.cimbbank.com.ph/en/digital-banking/savings-accounts-and-loans/upsave.html" target="_blank" rel="nofollow">website</a>. 
<h3 id="ing">ING</h3>
What we love about it: 
Similar to CIMB, ING is 100% digital as well, with 0 initial deposit, and 0 maintaining balance. The interest rate varies depending on the amount of savings you have in your account. 
<img src="https://unapay.com.ph/uploads/ING_1_098d3a9611.jpg" alt="best savings account - ING">

Download the app or apply through their <a href="https://ing.com.ph/products/save" target="_blank" rel="nofollow">website</a>. 
<h3 id="bank-of-commerce">Bank of Commerce</h3>
What we love about it: 
With just ₱500.00, you can already apply and maintain a Bank of Commerce Saving Account with an ATM card. They have branches and ATMs nationwide. To earn 0.125% interest rate, the minimum amount in your account should be ₱5,000.00. 
<img src="https://unapay.com.ph/uploads/Bank_Com_1_1d1bc52ef9.jpg" alt="high yield savings accounts - Bank of Commerce">

Visit their <a href="https://www.bankcom.com.ph/rates-and-fees/" target="_blank" rel="nofollow">website</a> for more information.
<h3 id="banco-de-oro-bdo">Banco de Oro (BDO)</h3>
Why we love it: 
They. Are. Everywhere. 
Wherever there’s an SM Mall, you can be assured that there is one or more BDOs there. If there isn’t an SM Mall, there’s still a BDO branch nestled somewhere along the street. It makes their branches more accessible to customers and it is convenient to drop by before or after shopping. 
<img src="https://unapay.com.ph/uploads/BDO_2_a839b17420.jpg" alt="saving account bank - Banco de Oro">

Balance wise, BDOs offers the average 0.125% interest rate for ₱5,000.00 minimum balance. And you only need ₱2,000.00 for initial deposit and maintaining balance. They also have full service branches in Singapore and Hong Kong. 
BDO’s online and mobile banking services can also be quite inconsistent. 
<h3 id="bank-of-the-philippine-islands-bpi">Bank of the Philippine Islands (BPI)</h3>
Why we love it: 
With only ₱5,000.00, your savings can already earn up to 0.125% interest rate and opening a savings account is not that difficult either. With ₱3,000.00 initial deposit and maintaining balance, you can already proceed with your application and start saving. 
BPI Savings Account can also be easily linked to GCash with no transaction fees. Just make sure that your BPI account is linked to your GCash account for FREE cash-in transactions. Learn more <a href="https://help.gcash.com/hc/en-us/articles/360017898153-How-to-Cash-In-via-BPI" target="_blank" rel="nofollow">here</a>. 
<img src="https://unapay.com.ph/uploads/BPI_1_c726980708.jpg" alt="best online savings accounts - Bank of the Philippine Islands">

And have we mentioned that, similar to BDO, there are BPI Savings Banks almost everywhere. So, it’s not that difficult to physically go to their branch and fill in your application. They also took steps to ensure 24/7 banking by installing deposit machines with their ATMs. 
<h3 id="east-west-bank">East West Bank</h3>
Why we love it: 
East West Bank offers one of the lowest initial deposits and maintaining balance in this list. You can open a Savings Account with only ₱2,000.00 initial deposit and maintaining balance. It also has a high interest rate of 0.25% compared to the 0.125% interest rate from other major banks in this list.
<img src="https://unapay.com.ph/uploads/East_West_Bank_bb58ee6e74.jpg" alt="best online savings accounts - East West Bank">

<h3 id="united-coconut-planters-bank-ucpb">United Coconut Planters Bank (UCPB)</h3>
Why we love it: 
Similar to East West Bank, you can open an account with an initial deposit and maintaining balance of ₱2,000.00 at UCPB. And it would be easier to get a home or car loan with UCPB when you have an existing Savings Account with them (of course, it would still depend on your savings and credit record, but it’s generally easier with UCPB than other major banks from this list). 
<img src="https://unapay.com.ph/uploads/ucpb_1_9f7f4553e8.jpg" alt="savings accounts open online - United Coconut Planters Bank">

<h3 id="metropolitan-bank-metrobank">Metropolitan Bank (Metrobank)</h3>
Why we love it: 
They have a bunch of branches, almost as many as BPI and BDO. You can also open, maintain a Metrobank Savings account, and earn 0.125% interest rate with just ₱2,000.00
<img src="https://unapay.com.ph/uploads/BDO_1_37b5fc24ed.jpg" alt="Top Banks to Get Your Savings Account in 2021 - Metropolitan Bank">

<h3 id="philippine-national-bank-pnb">Philippine National Bank (PNB)</h3>
Why we love it: 
You don’t have to queue for a long time since there aren’t a lot of customers on a normal day. You can open an account with an initial deposit and maintaining balance of ₱3,000.00 with 0.100% interest rate. 
<img src="https://unapay.com.ph/uploads/PNB_1_6e13ebbf5a.jpg" alt="saving account highest interest rate - Philippine National Bank">

PNB has generally good reviews as well, especially when it comes to OFW remittances, customer service, and loan applications. 
In summary:
<table style="text-align:center; font-size:15px; border:1px solid gray" cellpadding="0" cellspacing="0">
 <tr>
 <td style="border:1px solid gray">Bank</td>
 <td style="border:1px solid gray">Reason we picked it</td>
 <td style="border:1px solid gray">Minimum Initial Deposit</td>
 <td style="border:1px solid gray">Maintaining Balance</td>
 <td style="border:1px solid gray">Minimum Balance to earn interest</td>
 <td style="border:1px solid gray">Interest Rate per annum</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">CIMB</td>
 <td style="border:1px solid gray">Has high interest, easy application with GCash, no initial deposit and maintaining balance</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">2.5% to 4%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">ING</td>
 <td style="border:1px solid gray">High interest rate, 100% digital banking, no initial deposit and maintaining balance</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">0</td>
 <td style="border:1px solid gray">2.5% to 4%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Bank of Commerce</td>
 <td style="border:1px solid gray">Low initial deposit and maintaining balance and low minimum balance to earn interest</td>
 <td style="border:1px solid gray">500</td>
 <td style="border:1px solid gray">500</td>
 <td style="border:1px solid gray">5,000</td>
 <td style="border:1px solid gray">0.125%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">BDO</td>
 <td style="border:1px solid gray">More than 1000 branches and ATMs nationwide, low min. balance to earn interest</td>
 <td style="border:1px solid gray">2,000</td>
 <td style="border:1px solid gray">2,000</td>
 <td style="border:1px solid gray">5,000</td>
 <td style="border:1px solid gray">0.125%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">BPI</td>
 <td style="border:1px solid gray">More than 900 branches and ATMs nationwide, low min. balance to earn interest</td>
 <td style="border:1px solid gray">3,000</td>
 <td style="border:1px solid gray">3,000</td>
 <td style="border:1px solid gray">5,000</td>
 <td style="border:1px solid gray">0.125%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">UCPB</td>
 <td style="border:1px solid gray">Low maintaining balance and initial deposit, higher interest rate compared to others in this list</td>
 <td style="border:1px solid gray">UCPN 2,000</td>
 <td style="border:1px solid gray">2,000</td>
 <td style="border:1px solid gray">10,000</td>
 <td style="border:1px solid gray">0.25%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Metrobank</td>
 <td style="border:1px solid gray">Low maintaining balance and initial deposit</td>
 <td style="border:1px solid gray">2,000</td>
 <td style="border:1px solid gray">2,000</td>
 <td style="border:1px solid gray">10,000</td>
 <td style="border:1px solid gray">0.125%</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">PNB</td>
 <td style="border:1px solid gray">Relatively low maintaining balance</td>
 <td style="border:1px solid gray">3,000</td>
 <td style="border:1px solid gray">3,000</td>
 <td style="border:1px solid gray">10,000</td>
 <td style="border:1px solid gray">0.100%</td>
 </tr>
</table>


<h2 id="frequently-asked-questions-about-saving-accounts-in-philippines">Frequently Asked Questions about Saving Accounts in Philippines:</h2>
<h3 id="what-is-a-savings-account">What is a Savings Account?</h3>
A savings account is an interest-bearing account in any bank or financial institutions where you can deposit money. These accounts are safe and reliable to “park” your money, while also increasing its amount through interests. 
<h3 id="are-online-banks-safe">Are online banks safe?</h3>
Online banks are generally safe, as they implement safety protocols to safeguard your money, information, and transactions. 
However, you also have to be vigilant in keeping your accounts safe. Do not disclose your PINs with anyone, do not share your online banking passwords or save them in your browsers, and report any suspicious activity to your bank. 
<h3 id="why-should-you-get-a-savings-account">Why should you get a Savings Account?</h3>
Aside from the fact that banks basically keep your money safe, having a Savings Account helps you keep your money insured (through PDIC). And your money is not just passively stored in the bank; it grows your money through interest rates. Depending on the bank, your savings can grow from 0.125% to 4% per year. 
<h3 id="i-already-have-a-payroll-account-from-this-bank-should-i-still-get-a-savings-account">I already have a payroll account from this bank, should I still get a Savings Account?</h3>
Although payroll accounts give you the convenience of having no maintaining balance, a payroll account is only good as long as you are connected with the company who issued the account. Once you separate from that company, the payroll account would either convert to a regular savings account automatically or would simply close (sometimes due to insufficient funds to maintain the account). 
Not to mention the fact that payroll accounts do not earn interest. 
Having a savings account or not is solely your decision, but having a savings account in at least one bank lets you avoid complications later on. 
<h3 id="can-i-have-more-than-one-savings-account">Can I have more than one Savings Account?</h3>
Yes, definitely. And banks offer different types of savings accounts as well. There are banks who offer a Savings+Checking account in one, while others have lower maintaining balance and interest rates. 
<h3 id="what-makes-a-good-savings-account">What makes a GOOD Savings Account?</h3>
A good savings account should have high interest rates, relatively low minimum balance to earn that interest, and a low to average maintaining balance. 
<h2 id="key-terms-to-know">KEY TERMS TO KNOW</h2>
Interest rate determines how much your money grows while you keep it in deposit. Think of it as the bank pays you a percentage of your savings to keep the money in the bank. 
Compound interest is an interest that you earn from your existing interest each. For example, you have a balance of ₱10,000.00 in your savings account with an interest rate of .25%, which means your savings account earns around ₱25.00 per month or per annum (depending on the bank). When you add around ₱5,000.00 every month to your savings for 10 years, you would have earned roughly ₱618,565.02 on top of your ₱610,000.00 savings. 
That is if you continuously save your money and you don’t touch it for the rest of the 10 years. 
Read more: <a href="https://www.securitybank.com/blog/what-is-compound-interest-and-how-does-it-work/" target="_blank" rel="nofollow">What is Compound Interest and How Does It Work?</a>
Maintaining Balance is one of the most misunderstood concepts of basically any type of accounts in banks. It is the minimum amount you have to keep in your account to keep it or to “maintain” it in the bank. You have to make sure that your monthly (or daily for some banks) do not fall below this. 
Minimum Balance to Earn Interest is the minimum amount you need in your account for it to start earning interest from the bank. This varies for each bank, so you have to check which one offers the lowest minimum balance to earn interest. 
If your bank requires at least ₱10,000, you can only earn the interest after your account has accumulated ₱10,000. If your balance falls even ₱1.00 below the minimum, you will stop earning interest and will only start earning again if the balance increases to ₱10,000. 
ADB or Average Daily Balance is almost the same as the maintaining balance of other banks; it’s main difference is based on your daily average for an entire month. For example, your bank’s ADB is ₱2,000.00. This doesn’t mean that you have to keep ₱2,000.00 in your account every month. It only means that the average amount in your account for the whole month is ₱2,000.00.
Read more: <a href="https://filipiknow.net/bdo-monthly-average-daily-balance/" target="_blank" rel="nofollow">What is Monthly Average Daily Balance (MADB)?</a>
A 20% Withholding tax is required by the Bureau of Internal Revenue from any interest earned from a peso bank account. 
So, depending on your needs and financial situation, there is no one bank that fits all. Others even suggest that you have one savings account in different banks, depending on what your savings goal is. 
<div style="background: linear-gradient(to right,#def9e5 0,#effbce 100%); padding: 2%; margin: 45px 0 35px 0;">
Need to shop for essentials but don’t want to touch your savings? We got you! UnaPay offers hassle-free Lazada loans with affordable bi-monthly installment plans that fit your budget.

<a href="https://unapay.com.ph/">Apply now</a> and get as much as ₱50,000.00 worth of Lazada Wallet credits. 
</div>



Also read:
<ul>
<li><a href="https://unapay.com.ph/faq/what-is-unapay-and-how-to-use-unapay/how-does-unapay-lazada-loans-work">How does UnaPay loan work?</a></li>
<li><a href="https://unapay.com.ph/lazada_loan">How to apply for Lazada loans online?</a></li>
</ul>

When you start thinking about saving money, searching for the right bank is the next step. We listed the do’s, the don’ts, the what’s, and the how’s to help you find the most suitable bank for your savings needs.

Top Banks to Get Your Savings Account in 2021

UnaPay Blogs_Top Banks for Savings.png

<img src="https://unapay.com.ph/uploads/Lazada_vs_shopee_02_d56a9245bb.jpg" alt="Lazada vs shopee_02.jpg">
Online shopping platforms like Lazada and Shopee aim to make your online shopping experience better and have been butting heads to offer better deals than the other. They began offering <a href="https://unapay.com.ph/">“Buy Now, Pay Later”</a> schemes to help customers purchase items without the burden of paying the amount all at once. But which one is better?
Here’s a breakdown of online shopping loans for both platforms, from application process to loan payments so you can gauge what platform best suits your online shopping needs. 
<h2 id="1-lazada-vs-shopee---how-and-where-to-use">1. Lazada vs Shopee - How and where to use</h2>
Shopee’s SPayLater gives you loan credits for your Shopee purchases, with payment terms of up to 3 months. However, not all merchants in Shopee accept SPayLater, so make sure that the merchant you’re buying from accepts SPayLater before checking out your items. 
<a href="https://unapay.com.ph/lazada_loan">Lazada loans</a>, on the other hand, are not provided by Lazada itself. Instead, Lazada collaborates with various fintech (financial technology) companies who provide Lazada loans. Some of these loan partners give loans in the form of Lazada credits while others allow you to cash out a portion of the total loan amount. You can use your credits to purchase from any store in Lazada. 
<h2 id="2-partners">2. Partners</h2>
Shopee partners with merchants who would accept SPayLater as a mode of payment, while Lazada has a total of 7 partners who provide online shopping loans such as <a href="http://unapay.com.ph">UnaPay</a>. 
<h2 id="3-application-process">3. Application process</h2>
To use Shopee’s SPayLater, you need to be pre-qualified before application. You can pre-qualify if your monthly purchase in Shopee is more than ₱2,000 or you have 10 to 25 completed purchases in the last 6 months. Once you qualify, you need to activate SPayLater by submitting a photo of your government ID, a selfie, and completing the application form. Your application will be under review for the next 24 hours. Once your SPayLater has been approved and activated, you will receive a notification that your SPayLater account has been activated and you are eligible to loan XX amount.
For the step-by-step activation process, read their instructions <a href="https://help.shopee.ph/s/article/How-to-activate-SPayLater">here</a>. 
Anyone can apply for a Lazada loan through their accredited loan partners. Requirements can vary from one Lazada loan partner to another, but commonly required documents are 1 valid ID and proof of billing. You will then submit the required documents and fill out the application form in the partner application portal or app. 
Check out <a href="https://pages.lazada.com.ph/wow/i/ph/PHCampaign/lazada-loan?hybrid=1">Lazada loan partners page</a> to learn more about each partner’s application process. Since some of these partner loans are in the form of Lazada credits, you have to make sure that you have an activated Lazada wallet. 
If you’re not sure if your Lazada wallet is already activated, you may check the process <a href="https://www.lazada.com.ph/helpcenter/how-to-activate-my-lazada-wallet-account-5314.html">here</a>. 
<h2 id="4-interest-rate">4. Interest rate</h2>
Shopee’s SPayLater has 1% interest rate per transaction. 
For Lazada loans, interest rates vary from one partner to another from 0% (on special occasions) to 8% interest rate. So be sure to check the interest rate before you apply. 
<h2 id="5-repayment-schemes">5. Repayment schemes</h2>
Loan providers ensure convenience in paying your loans by providing various payment options. 
Paying your Lazada loans can vary, depending on the loan provider. For example, <a href="https://unapay.com.ph/unapay.com.ph">UnaPay</a> has various payment options such as payments through GCash, partner banks, M Lhuiller, Cebuana Lhuiller, 7-11, SM Bills Payment, LBC, and Bayad Centers. 
For Shopee’s SPayLater, you may pay your monthly dues through Shopeepay, Coins.ph, GCash, partner banks and other over-the-counter payments. For the complete list of payment partners, you may view them here. 
<h2 id="6-late-payment-interest-rate">6. Late payment interest rate</h2>
Late payments always have penalties and charges. So make sure to take note of the dates you need to make your payments. Some loan providers schedule payments in monthly installments, while others are set in bi-monthly payments (monthly amount due will be divided into two payment dates). 
Late payments for Shopee SPayLater have 2.5% to 5% interest for late payments; while Lazada late payment penalties and interest vary, again, depending on the loan provider. Some has a fixed amount, like UnaPay (₱800.00 or ₱200 for requested prolongation); while others charge a percentage of your loan each day your payment is delayed. 
So, depending on your financial situation and online shopping habits, choose a loan provider that best suits your needs. 
Interested with a Lazada loan? Choose UnaPay’s hassle free application and easy installment plans that’s just right for you. Apply now with 1 valid ID only! 
Also read:
<ul>
<li><a href="https://unapay.com.ph/lazada_loan">How to apply for Lazada loans online?</a></li>
<li><a href="https://unapay.com.ph/faq/how-to-apply-for-loans-in-unapay-unapayloans/official-id-unapay">List of Accepted IDs</a></li>
</ul>

What’s the difference between Lazada and Shopee loans? This article looks at the main difference between these two, from application to repayments. 

 Lazada Loans vs Shopee SPayLater | Which is better?

Lazada vs shopee_02.jpg

Lazada Loans vs Shopee SPayLater | Which is better?

We are more than halfway through 2021 and while most companies are already allowing their employees to work onsite, most of our workforce still prefer to work from home since our safety protocols don&#39;t seem to be lighting up anytime soon. Some companies are even exploring permanent work from home set up for parts of their operations. 
And while we’re waiting for things to get better, working from the safety of our homes seems to be the best option at the moment. 
<h2 id="1-rest-your-eyes-in-frequent-intervals">1. Rest your eyes in frequent intervals</h2>
Being in front of the computer for a long period of time can put a strain on your eyes. And when you’re not in front of the computer during your breaks, you’re on your phone. We can’t blame you. Those TikTok and YouTube videos can be pretty interesting. Add mobile games to the mix, and your eyes will never have a break. Over straining your eyes can develop serious headaches and long-term damage to your vision. 
<img src="https://unapay.com.ph/uploads/healthy_options_73b2b74205.png" alt="healthy-options.png">
TIP: Dr. Mike Varshavski recommends following the 20-20-20 rule. “Stare at something from 20ft away for 20 seconds, every 20 minutes”. This exercise helps your eyes reset and refocus. Another way to lessen the effects of computer and cellphone use on your eyes is to get anti-radiation lenses even if you have 20/20 vision. 
And make sure you have ample lighting in your work area. If it’s too dark, invest on a small lamp to lessen the strain it puts on your eyes. 
<h2 id="2-dont-forget-to-hydrate">2. Don’t forget to hydrate</h2>
Sitting for long periods of time, it can be hard to break pace when you’re already in “the zone” or or in “work mode”. But it is still important to keep yourself hydrated while working at home, especially when you eat sweet and salty food. And for those of you who live by “Milktea is life” or “Coffee is lifer”, it can be difficult to add water in your daily routine. 
But drinking water has more benefits than just sending you to the toilet 10 times a day. It lessens the risk of water retention (manas) because of salty food, throat irritation because of eating or drinking too much sugar, and it keeps your skin from drying up from all the stress that comes with working from home. 
<img src="https://unapay.com.ph/uploads/portrait_01_b9330f2266.png" alt="portrait_01.png">
TIP: Keep a water bottle near your work area and set alarms to remind you when you need to drink again. You can also install apps that monitor your water intake, as well as your overall diet. You can even take it one step further and infuse your water with fruits like berries, lemons, and mint leaves.
<h2 id="3-lessen-the-junk">3. Lessen the junk...</h2>
With GrabFood, FoodPanda, and IG cookies, it can be tempting to just sit back and wait for your food to arrive. Though it is convenient, eating fast and processed food on a daily basis can be unhealthy. 
<img src="https://unapay.com.ph/uploads/lessen_the_junk_92ca351ac0.png" alt="lessen-the-junk.png">
TIP: Pitch in some fruits and nuts into your morning and afternoon merienda (yes, 2x merienda because food is life). Packed with vitamins and minerals, fruits and nuts boost brainpower to help you power through those reports like a pro minus the “sugar crash” that comes after eating sweet desserts. Talk about guilt free!
<h2 id="4-stretch">4. Stretch!</h2>
Sounds like a given, but stretching is mostly taken for granted. After sitting in meetings for hours at a time, muscles all over your body might feel stiff. Especially around your neck, lower back, and wrists. And if you’ve been ignoring this for a long time, it may lead to more serious problems like indigestion, trombosis, migraine, or carpal tunnel syndrome. 
And there are some people who developed really bad backs and stiff necks that they have to regularly visit a physical therapist for the rest of their lives to fix their problems. 
<img src="https://unapay.com.ph/uploads/stretch_53b961f6c6.jpg" alt="stretch.jpg">
The good news is those problems can be avoided if you spare yourself a few minutes a day to stretch your body and let your blood flow. 
TIP: After 1 to 2 hours of sitting in front of the computer, take a break to stretch your neck, back, arms, fingers, and legs. Slowly stretch your arms and legs until you feel tension in your muscles. Put careful attention to your neck muscles by tilting your head from side to side, taking time to feel the tension. Then draw a circle in the air with your nose. Remember, do this SLOWLY and don’t just pop your neck joints. 
Next, stretch your entire arm and, using your other hand, pull your fingers towards you. Then do it in the opposite direction and the other arm. This will help prevent carpal tunnel. 
And lastly, your lower back and legs. You can stretch both by doing a lunge and twisting your upper body to the same direction. For example, if you lunge your right leg forward, twist your upper body towards the right so your left shoulder is aligned with your right leg. 
You may feel a bit of popping and cracking, but that’s alright! These simple stretches can help you feel more energized and focused at work. 
<h2 id="5-invest-on-ergonomic-furniture">5. Invest on ergonomic furniture</h2>
Ergonomic is a term we’ve seen and heard of for a while now but what does it really mean? It’s looking at how the human body works and what kind of relationship it has with its environment. Ergonomic furniture such as chairs and tables, allows you to work comfortably while lessening risks of muscle stiffness over an extended period of time. 
<img src="https://unapay.com.ph/uploads/ergonomic_furniture_86aa87f051.png" alt="ergonomic-furniture.png">
Ergonomic chairs for example would have an S-shape back support, which follows the natural curve of your spine. It also provides support on your coccyx or tailbone while sitting. The chair’s height should also be adjustable to match your legs and sitting position. 
That definitely beats a monoblock or folding chair. 
<h2 id="6-clean-spray-disinfect">6. Clean. Spray. Disinfect.</h2>
When we’re fighting an opponent we can’t see, we definitely cannot take out chances. 
<img src="https://unapay.com.ph/uploads/clean_575a8ea4e1.jpg" alt="clean.jpg">
Disinfect deliveries, groceries, and clothes and accessories worn while going outside to make sure you’re not bringing in contaminated items. And don’t forget to clean surfaces that came into contact with items you bought from outside. 
Spray alcohol on the soles of your shoes before going into your home. And most importantly, wash your hands for at least 20 seconds before eating. It’s always better to lean on the safe side, because being sorry is just not an option. 
Do you agree with our list? What healthy options have you practiced while working at home?
Short on cash to start and maintain your healthy work from home lifestyle? Apply for <a href="https://unapay.com.ph/lazada_loan">UnaPay Lazada loan</a> now and use credits up to P50,000 to shop for fruits, ergonomic furniture, and other items from Lazada stores. 
<img src="https://unapay.com.ph/uploads/lazada_loans_a67c76ecc5.jpg" alt="lazada-loans.jpg">
UnaPay offers low interest rates for installments of up to 6 months. With only 1 valid ID, you can finish your application in 5 minutes and get approved in just 24 hours. <a href="https://unapay.com.ph/">Apply now!</a>
Also read:
<ul>
<li><a href="https://unapay.com.ph/faq/how-to-apply-for-loans-in-unapay-unapayloans/official-id-unapay">List of Accepted IDs</a></li>
<li><a href="https://unapay.com.ph/business/">How to apply for Salary loans online?</a></li>
</ul>

While most companies are already allowing their employees to work onsite, most of our workforce still prefer to work from home. Here are some tips to keep yourself healthy while staying home. 

Top Healthy Options While Working at Home

healthy-options.png

Have you had trouble paying online purchases because you don’t have a credit card and enough cash? 
Online shopping loans are among the common ways to address this problem. It allows you to make online purchases without worrying about paying the whole amount right away. 
<h2 id="online-shopping-lazada---how-it-works">Online shopping Lazada - How it works</h2>
The purpose of any loan is not to give you instant money; its purpose is to provide you with an option to divide the original cost into smaller and manageable amount. They do this by spreading your initial payment into several months which you pay with interest. 
The interest rate depends on the money lender. Banks offer loans online and have the highest interest rate which can range from 6% to a whopping 16% per year. You can also borrow money from financial technology companies that give credit to their customers which they can use to buy items from online platforms such as Lazada. 
<img src="https://unapay.com.ph/uploads/online_shopping_loans_9346951219.jpg" alt="online-shopping-loans.jpg">
The downside of online shopping loans is what you receive from fintech companies would usually be in the form of credits and not cash. And while there are third parties who offer credits conversion to cash or other forms of cash such as Gcash exist, there is a very high chance that you will be scammed. And even if they’re legitimate, you would have to pay around 5% to 10% of the total credits you need to get converted (which you have to pay on top of the actual loan interest). That doesn’t sound like a fair cut, right?
On a brighter note, these credits can be used for online shopping Lazada and other platforms like Shopee (SPaylater), Zalora, and SHEIN. 
<h2 id="how-can-i-get-an-online-shopping-loan">How can I get an online shopping loan?</h2>
Requirements for online loans application can vary from one Lazada partner to another. Commonly required documents are proof of billing, proof of income, and at least 1 valid ID. Others may require more, but it would be best to prepare all your documents before applying for a loan. 
When your documents are ready, go to the online application platform and fill out the forms. You can also upload your documents through the portal. Once your application is complete, you will receive an email or text message informing you of the status of your application. 
Money lenders would also check if you have a stable job or source of income to assess whether you are capable of paying your loan. They would also check if the information you submitted are correct and legitimate. Your credit history will also be checked, because if you have a history of not paying your loan, your application will most likely be declined because of the risk that you will not be able to pay back the money that you borrowed. 
Be careful, though. Some platforms will not save your application if you go back or refresh the page. In most cases, this will automatically deny your application and you have to wait a while to re-apply. 
And make sure that the money lenders are a legitimate company and their platforms are secure. 
<h2 id="are-online-loans-secured">Are online loans secured?</h2>
Most online shopping loans are secure and safe. However, you have to make sure that:
<ol>
<li>The money lending company is registered with the Securities and Exchange Commission with a valid registration number. You can check them here.</li>
<li>They should also ensure that all channels, from your application to your monthly payments, are secured. </li>
<li>Legitimate money lenders will not ask for additional payment on top of the loan interest such as processing fees, documentation fees, etc. </li>
<li>They should not communicate with you outside of their official channels. If they have 3rd party representatives, make sure that they are registered and legitimate companies with authority to transact on behalf of your creditor. </li>
</ol>
Be wary of sharing details of your account with anybody else as these may be used to make transactions without your knowledge. And make sure to include your monthly loan installments in your budget so you don’t get late payment charges or penalties. 
<img src="https://unapay.com.ph/uploads/lazada_shopping_loans_bef68229e9.jpg" alt="lazada-shopping-loans.jpg">
Looking for affordable Lazada shopping loans with flexible payment options? Apply for an UnaPay Lazada loan in less than 5 minutes!
With <a href="https://unapay.com.ph/lazada_loan">UnaPay Lazda loan</a>, you can borrow up to P50,000.00 and has a low interest rate of 5% which you can pay on a semi-monthly basis. You only need 1 valid ID, proof of billing (even if it’s not in your name), and proof of income. 
UnaPay is a legitimate registered company in the Securities and Exchange Commission (SEC) under the Digido Finance Corp., so you can be rest assured that all your transactions with UnaPay are secured and authorized. 
Also read:
<ul>
<li><a href="https://unapay.com.ph/faq/how-to-apply-for-loans-in-unapay-unapayloans/official-id-unapay">List of Accepted IDs</a></li>
<li><a href="https://unapay.com.ph/merchants">How to apply for Merchant loans online?</a></li>
</ul>

An online shopping loan allows you to borrow money from money lenders to shop online. It aims to help you lessen the burden of paying the full amount of an item by dividing the cost into several installments. 

What is an online shopping loan?

online-shopping-loans.jpg

Ahhh~ Summer. As an archipelagic country, the Philippines boasts beautiful beaches from all fronts, while offering tranquil forests and mountainous terrain for those who are more into exploring and hiking. 
Regardless of where you’ll be heading (or the lack thereof), here are some things to keep in mind to stay healthy and safe during the summer. 
<h2 id="sunblock">Sunblock</h2>
<img src="https://unapay.com.ph/uploads/sunblock_0429aaf6ac.jpg" alt="sunblock.jpg">
Ultra Violet (rays) are more intense from March to May, the official “dry season” in the Philippines; or what we fondly call as Summer. 
Because of the intense rays of the sun, it is important to protect your skin against its harmful UV rays by putting on sunscreen or sunblock. Especially when you have sensitive skin. Though it will not prevent your skin from darkening, it will help your skin stay smooth and tan evenly. 
So whether you’re swimming at the beach or buying suka from Aling Nena, put on a thin layer of sunscreen to protect your skin from the sun. 
<h2 id="hydrate">Hydrate</h2>
With summer having the highest heat index, it is important to keep yourself well hydrated. Extreme heat and dehydration can cause serious health problems if not addressed early. Other than the usual dry skin, it can also cause severe migraines, UTI, or heart attack in extreme conditions. 
<img src="https://unapay.com.ph/uploads/best_water_bottle_9d46ef5d51.jpg" alt="best-water-bottle.jpg">
Make sure to drink 1.5L to 2L of water everyday to help your body replenish all that sweat and maintain your body temperature. Have a water bottle handy to keep yourself hydrated and quench your thirst wherever you are. 
You can be as simple or quirky when it comes to your water bottle and there are tons of affordable options online. 
<h2 id="indoor-pool">Indoor pool</h2>
With safety protocols still in place in Metro Manila and most of the surrounding areas, it can be quite difficult to let off the summer heat at a beach or places with relatively cooler temperatures like Tagaytay or Baguio. 
<img src="https://unapay.com.ph/uploads/indoor_pool_bdd8d5d0b3.jpg" alt="indoor-pool.jpg">
One cheap way of cooling off this summer is getting an indoor pool that kids and adults alike will surely enjoy. It brings you the cool break of from the summer heat without breaking the bank. 
<h2 id="portable-bathtubs">Portable Bathtubs</h2>
Indoor inflatable pools can take up a lot of space. And if that is your issue, don’t worry. You still have an option. 
<img src="https://unapay.com.ph/uploads/portable_bath_99e585c573.jpg" alt="portable-bath.jpg">
Portable bathtubs give you the benefits of soaking in cool water without worrying too much about the space. Portable tubs can be folded and stored easily. 
<h2 id="sundresses-cotton-shirts">Sundresses/ Cotton Shirts</h2>
They’re flowy, breathy, and overall presko. 
<img src="https://unapay.com.ph/uploads/Sundresses_e235795cef.jpg" alt="Sundresses.jpg">
With the heat and humidity in the Philippines, summer outfits bring in the comfort and style of the season. Sundresses and polo shirts made of thin cotton and linen are among the top options during summer because it helps you feel cool and comfortable despite the heat and humidity. 
Who says you can’t be fashionable when you sweat?
<h2 id="hydrating-lotion-moisturizer">Hydrating Lotion/ Moisturizer</h2>
Whether you’re taking a dip in the ocean or taking multiple baths every day to keep the heat at bay, slap on some hydrating lotion to keep your skin from getting dry. Salty ocean waters, chlorinated pool water, and soap can dry up your skin.
<img src="https://unapay.com.ph/uploads/Moisturizer_aeb64ab415.jpg" alt="Moisturizer.jpg">
Hydrating lotion for your body and moisturizers for your face can help you keep your skin healthy. If you’re worried about the icky feeling that comes with lotions and moisturizers, you can put it on before you sleep. 
You can also get the light version of lotions and moisturizers that has a powdery effect on your skin when it dries. 
<h2 id="sunglasses">Sunglasses</h2>
Your skin is not the only thing you need protecting from the harsh heat. Though your eyes don’t necessarily feel the heat, the brightness of the sun can overwhelm your eyes and they can still be affected by UV rays. Specifically, UV-A and UV-B rays can cause short-term and long-term damage to your eyes and affect your vision. 
<img src="https://unapay.com.ph/uploads/pexels_katie_e_3671083_1_0cf9611128.jpg" alt="pexels-katie-e-3671083 (1).jpg">
Get some nice tinted sunglasses to help protect your eyes from these harmful rays. It can be a stretch to wear them with your face shields, though. But there are tons of face shields in the market with tints of various shades to address this problem. 
<h2 id="vaccine">Vaccine</h2>
Quite an unusual item in this list, but so is our environment. 
<img src="https://unapay.com.ph/uploads/Vaccine_75717ba255.jpg" alt="Vaccine.jpg">
Whether you’re going out of town or travelling to a relative’s house, it’s best that you get vaccinated against Covid-19 to protect yourself from any potential danger while traveling. While some of you may believe that it’s fine without the vaccine because you haven’t gotten infected so far, well it’s time to have a “better safe than sorry mindset”.
Local government units have initiated their vaccination programs. Some already began vaccinating the elderly and healthcare workers for FREE. Ask your local government about their Covid-19 vaccination programs. 
<h2 id="umbrella">Umbrella</h2>
Summer heat can be pretty intense and bringing your own shade means you don’t have to wait for sunset to go out. The sun can be pretty intense sometimes and it is not advisable to be under the direct sunlight from 10am to 2pm. 
<img src="https://unapay.com.ph/uploads/Umbrella_e414f5212b.jpg" alt="Umbrella.jpg">
What’s more mind boggling is when it suddenly rains for a bit. Then the sun comes back up and the humidity becomes even more intense. So bring an umbrella to keep yourself protected from the elements, whether it rains or shine. 
Do you agree with our top picks? Check out UnaPay’s Lazada loans online and complete your summer ensemble with Lazada!
Also read:
<ul>
<li><a href="https://unapay.com.ph/faq/how-to-apply-for-loans-in-unapay-unapayloans/official-id-unapay">List of Accepted IDs</a></li>
<li><a href="https://unapay.com.ph/lazada_loan">How to apply for Lazada loans online?</a></li>
</ul>

Whether you have plans for summer or you need to stay home because of Covid-19 restrictions, here are some things to keep practicing to keep yourself healthy and safe during the season. 

Keeping up with Tag-init! | How to stay safe and healthy this Summer

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Keeping up with Tag-init! How to stay safe and healthy this Summer

<img src="https://unapay.com.ph/uploads/Una_Pay_Blogs_Lazada_Loans_Online_What_is_it_and_how_to_apply_d9b785210a.png" alt="UnaPay Blogs_Lazada Loans Online What is it and how to apply.png">
Lazada loans online helps you buy items in Lazada without paying the full amount at once. The application is simple and easy. Here are 5 simple steps to apply for an UnaPay Lazada loan. 
1. Prepare the following documents:
a. One (1) Valid ID
b. One (1) Proof of Income
2. Visit our website unapay.com.ph and fill out the application form
The application form can be filled out in just a few easy steps. Input your basic information and upload the required documents.
3. Wait for the application approval
Get your application status within 5 minutes (while waiting, do not close the browser window). You can also check your email for your application status. 
4. Provide your Lazada Credentials (upon approval)
Remember the email or contact number you used for your Lazada Wallet? You will need it for us to credit your loan to your account. If you don’t yet have one, please activate it though this <a href="https://www.lazada.com.ph/helpcenter/how-to-activate-my-lazada-wallet-account-5314.html">link</a>. 
5. Check your Lazada Wallet credit and start shopping
Once you provided the correct Lazada Credentials, we will now credit your approved loan to your account within one banking day. You can then start shopping and spend it however you want. 
Easy right? If have more questions or trouble uploading your documents, you may send us a message at <a href="mailto:&#99;&#x61;&#x72;&#101;&#x40;&#117;&#x6e;&#97;&#x70;&#x61;&#x79;&#x2e;&#x63;&#x6f;&#x6d;&#46;&#x70;&#104;">&#99;&#x61;&#x72;&#101;&#x40;&#117;&#x6e;&#97;&#x70;&#x61;&#x79;&#x2e;&#x63;&#x6f;&#x6d;&#46;&#x70;&#104;</a> or our <a href="https://www.facebook.com/unapay.com.ph">Facebook Page. </a>We’ll get right on it!

Lazada loans online is a shopping assistance in the Lazada App which helps customers buy items and pay at a later date without cashing upfront. 

 Lazada Loans Online | What is it and how to apply?

UnaPay Blogs_Lazada Loans Online What is it and how to apply.png

Lazada Loans Online | What is it and how to apply?

We’re midway through 2021, and yet, we’re still far from things returning back to normal—from our old routines down to our monthly budget. 
Finding ways to make ends meet has been one of the biggest issues during this pandemic. And the ayuda can only do so much to help us get through to the next paycheck. 
Don’t worry, we got you covered. We listed 5 useful tips on how to stretch your budget to help us spend a little more wisely while waiting for things get better. 
1. Adjust your lifestyle to your income. 
 <img src="https://unapay.com.ph/uploads/Income_3721fc67af.png" alt="Income.png">
When you’re looking for ways to make ends meet, you have to check your lifestyle. Are you still spending money like everything is normal during this pandemic? Maybe you can get rid of one thing that is hurting your budget- skip buying that dress that you won’t be able to use since gatherings &amp; outings are still at a minimum.
2. Appreciate the simple things 
<img src="https://unapay.com.ph/uploads/Appreciate_8ade38efe0.png" alt="Appreciate.png">
This practice is not exclusive for the pandemic. They say that there’s beauty in simplicity. When you learn to appreciate simplicity, you will notice a big difference in your spending habits. Yep, a new sticker wouldn’t hurt. Nor would that car decal you’ve been drooling over. 
But before you hit checkout, ask yourself if it’s a want OR if it’s a need. Is it something you can put off until your next windfall? Always ask yourself these questions multiple times before actually getting them. 
Your old house which seemed lacking in appliances might start to look crowded, giving you an opportunity to sell unnecessary stuff. 
3. Stick to your grocery list
<img src="https://unapay.com.ph/uploads/Grocery_List_934d4d8319.png" alt="Grocery List.png">
Make a habit to make a grocery list. AND STICK TO IT.
It’s either you forget something that you need OR you end up tons of stuff you barely even need. Because, let’s admit it. Roaming those aisles full of goods can be really tempting. 
It will save you a lot of money if you identify what you just need before leaving your house. And while getting the things from your grocery list, start computing the amount using your mobile phone or small calculator to make sure that you’re just getting items that fit your budget.
 4. Do It Yourself (DIY) 
<img src="https://unapay.com.ph/uploads/DIY_556540caf5.png" alt="DIY.png">
As much as possible, DIY anything new that you might need at home. With tons of online videos and blogs on how to DIY just about anything, at any time, anywhere, you can: sew your dress, paint your bedroom walls, or even cook your favorite restaurant meal. 
You won’t only save money, but you also get to customize what you create to your preference and maybe even learn a new skill or two.
Just don’t fiddle with your own electricals, and you’d be safe. 
 5. Shop in installments 
<img src="https://unapay.com.ph/uploads/Installments_f74f7c357b.png" alt="Installments.png">
Well, sometimes there’s really no way we can avoid spending when we really, really need to get new items. A broken fan during summer is not a welcome idea either. 
One good thing that this pandemic introduced is a more convenient way of shopping online. Spending on shopping is also more tempting, and when you’re not careful (and mindful), you’d run out of cash before you even know it. 
Unless you pay in installments. You heard that right! You can shop at online marketplaces like Lazada without cash and pay in installments. With the big discounts in Lazada, interest in installments will not hurt your wallet anymore - imagine buying a 50% off item and only paying 5% of installment interest, you still get a 45% discount, best thing about it is you get the item without having any cash. CRAZY right?
<img src="https://unapay.com.ph/uploads/Lazada_loan_018a502e4b.jpg" alt="Lazada loan.jpg">
Don’t have credit cards that offer installments? Apply for a shopping loan through this link unapay.com.ph/apply. 
Also read: 
<a href="https://unapay.com.ph/link">How to apply for Lazada loans online?</a>
<a href="https://unapay.com.ph/link">List of Accepted IDs</a>

Making ends meet has always been difficult, but it seems even more so during the pandemic. Let's take a look at some ways to stretch our budget without breaking the bank. 

5 USEFUL TIPS TO STRETCH YOUR BUDGET THIS PANDEMIC

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“Delivery!” 
This is the first thing you will probably hear when a motorcycle stopped in front of your gate. With the birth of e-commerce stores, most Filipinos got hooked on shopping for cheap and affordable items online. 
It became a craze in no time. And with the sanitary protocols closing physical stores and people required to stay home, it quickly became a shopping staple. But why do people enjoy online shopping so much? 
Here are 5 reasons why:
1. Connect - The internet is powerful and connects you with different merchants, even shops from the other side of the globe. It also helps you compare the items that you want to purchase.
2. Easy as 1-2-3 - Shop, buy, and viola! Receive your item right at your door with just a few clicks.
3. Great deals - Promos, discounts and anything more than you can imagine- buy one, take one promos, double-digit sales, and other great bargains.
4. Checkout Options - Online stores allow you to settle your bill in whichever way you find the most convenient- Cash on Delivery, Credit/ Debit Card, e-wallets, and more.
With the rising competition in the retail scene, multiple stores now offer several ways to check out items. Initially, retailers offered cash-on-delivery services which gave customers more time to prepare payments. 
Another option that retailers provide is “Shop Now &amp; Pay Later” for their customers. “Shop Now &amp; Pay Later” is an installment payment option that customers can use for anything they need to purchase in the online shopping platform. Shoppers who want to treat themselves, but prefer the benefit of splitting their payments into several manageable installments can definitely enjoy this.
Lazada is the top online shopping site in the country who offers “Shop Now, Pay Later” schemes. With various accredited partners, Lazada online shopping loans provide a variety of products and convenient payment options to promote the true essence of their brand—effortless shopping.
Now, who’s ready to make their <a href="http://lazada.com.ph">Lazada</a> purchase through <a href="http://unapay.com.ph/apply">installments</a>?

Online shopping has been the craze in recent years, something that may not seem enticing to some. But why do we shop online? Here are some of the reasons why.

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