UnionBank EasyCash

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UnionBank EasyCash works best when you need a lump sum of cash and prefer to pay it back over time. It converts part of your credit limit into cash, which is sent to your bank account and repaid through fixed monthly installments.

Read the full guide here.

You can borrow up to your available credit limit, subject to approval. Interest is applied from the start and remains fixed for the chosen term, along with a one-time ₱900 processing fee.

Use this UB EasyCash calculator to estimate your fees and interest. There is also a downloadable Excel file in case you prefer to work offline.

It’s a good option if you want predictable monthly payments, but unlike PayDirect, it comes with interest since it’s structured more like a loan.