UnionBank Personal Loan : All-Digital Loan Up to ₱2 Million (2025)
Updated: May 13, 2026
- Fast approval time—as fast as 5 minutes!
- High loan amount of up to ₱2 million
- Flexible payment terms of up to 5 years
- No collateral or guarantor needed
- Ideal for: home renovation or tuition fees
UnionBank Personal Loan Requirements for Filipinos
- Completed UnionBank personal loan application form
- Valid government-issued ID with photo and signature
- For employed borrowers:
Any of the following:
- Complete 1 month payslip in the past 2 months
- Certificate of Employment (COE) in the past 2 months
- ITR with BIR Stamp issued in 2021 onwards
- For self-employed borrowers:
- Latest ITR or BIR Form 1701
- Audited financial statements with independent auditor’s report and balance sheets and tax receipt (all pages for all documents)
UnionBank Personal Loan Requirements for Foreigners
- Alien Certificate of Registration (ACR) or valid passport
- Any proof of residency in the Philippines:
- Immigrant Certificate of Residency (ICR)
- Visa and work permit or Alien Employment Permit (AEP) with a validity of more than 1 year
- ACR I-Card with a permanent visa status or validity of more than 1 year
- Special Resident Retirement Visa (SRRV)
- Special Resident Investors Visa (SRIV)
- For expats employed in the top 2,000 companies: Employment contract or letter from the company HR printed on company letterhead with name, job title/position, and confirmation of term
UnionBank Auto Loan
- Borrow from ₱200K to ₱20M*
- Loan approval in as fast as 24 hours**
- Available for new and used vehicles
Add On Rate by Long Term
Table is calculated based on a loan amount of ₱1,000,000 for a brand new vehicle
| Loan Term (Months) | Add-On Rates | Monthly Payment |
|---|---|---|
| 12 | 6.00% | ₱88,335.02 |
| 18 | 8.35% | ₱60,195.30 |
| 24 | 10.74% | ₱46,140.31 |
| 36 | 15.63% | ₱32,117.16 |
| 48 | 20.65% | ₱25,137.47 |
| 60 | 25.80% | ₱20,967.67 |
UnionBank Personal Loan Requirements for Filipinos
- Completed UnionBank personal loan application form
- Valid government-issued ID with photo and signature
- For employed borrowers:
Any of the following:
- Complete 1 month payslip in the past 2 months
- Certificate of Employment (COE) in the past 2 months
- ITR with BIR Stamp issued in 2021 onwards
- For self-employed borrowers:
- Latest ITR or BIR Form 1701
- Audited financial statements with independent auditor’s report and balance sheets and tax receipt (all pages for all documents)
UnionBank Personal Loan Requirements for Foreigners
- Alien Certificate of Registration (ACR) or valid passport
- Any proof of residency in the Philippines:
- Immigrant Certificate of Residency (ICR)
- Visa and work permit or Alien Employment Permit (AEP) with a validity of more than 1 year
- ACR I-Card with a permanent visa status or validity of more than 1 year
- Special Resident Retirement Visa (SRRV)
- Special Resident Investors Visa (SRIV)
- For expats employed in the top 2,000 companies: Employment contract or letter from the company HR printed on company letterhead with name, job title/position, and confirmation of term
*Subject to credit evaluation and bank approval**Approval may vary depending on credit parameters and eligibility criteria
UnionBank offers a fully digital personal loan process, giving borrowers up to ₱2,000,000 with flexible repayment options. Designed for convenience, the application can be completed online without visiting a branch.
Key Features
- Loan amount: ₱50,000 to ₱2,000,000
- Loan terms: 12 to 60 months
- All-digital application and approval
- Disbursement within a few days after approval
Eligibility & Requirements
- Filipino citizen aged 21–65 years old
- Minimum gross monthly income: ₱20,000
- Proof of employment or business
- Valid government-issued ID
Why Choose UnionBank?
UnionBank’s fully digital loan process makes it one of the most convenient bank loans available. With large loanable amounts and long repayment terms, it is suited for major financial needs.
How to Apply
- Visit the UnionBank Personal Loan page on Moneymax.
- Enter desired loan details.
- Submit your application and required documents online.
- Receive funds directly to your UnionBank account after approval.
Updated for 2025. Terms and approval may vary by applicant profile.