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

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.

Buy Now, Pay Later programs are becoming a trendy alternative to credit cards due to its flexible payment schemes, fast and easy application, and affordable interest rates.

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So, how does it work?

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't have to use them all in one go.

Your application can also be declined, depending on your credit history. But don't worry! You can submit a new application after 30 days.

How to Apply?

The application process is pretty simple. You just need a proof of income and 1 valid ID.

Here are the accepted proof of income:

  • Bank transaction history
  • Payslip
  • Paypal transaction history
  • Remittance slips
  • Upwork Certificate of Employment

And here are the list of accepted IDs:

  • 1 Valid ID
  • National ID
  • Driver's License
  • SSS
  • UMID
  • Philippine Passport
  • TIN ID
  • Improved Postal ID

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 here. And if you encounter any technical issues during your application, do not hesitate to reach out to us at care@unapay.com.ph and we will help you.

What’s the approval process?

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.


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.

How do I get my loan?

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.

How do I pay my loan?

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:


  • via online bank transfer
  • UnionBank
  • BDO
  • BPI
  • RCBC
  • PNB
  • Metrobank


  • 7 Eleven
  • Cebuana Lhuillier
  • M Lhuillier
  • LBC
  • Bayad Center
  • SM Stores

I just paid by bill. Why do I have another payment date in the same month?

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.

What will happen if I don’t pay my loan on time?

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 Lazada loans online, payment terms, complaints, and other UnaPay services, contact us at care@unapay.com.ph.

What is a PN number and why is it important?

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't access your loan documents, you may contact us on our official Facebook page at Facebook.com/Unapay for real-time assistance.

How to convert my Lazada Loan credentials to cash?

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.

Simply put, you can’t convert your Lazada Loan to cash.

Third Party Conversion

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.

Conversion Scam

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!

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