UNO@Work
Elevate your career and personal goals with UNO@Work!
- Help your employees grow their money with #UNOready, #UNOearn, and #UNOboost
- Improve employee retention and work productivity by reducing their financial stresses
- Promote financial responsibility with learning resources and opportunities
For Companies Who Want to Support Employees Beyond Just the Payslip
Everyone needs a little extra help sometimes — for school fees, medical bills, or unexpected expenses. Without support, employees often turn to high-interest lenders and risky borrowing options that lead to deeper financial stress.
A corporate employee loan provides a safer, more affordable alternative, offering timely assistance through trusted company-backed financing.
UNO@Work: A Simple, No-Cost Way for Companies to Support Their Teams
Powered by UNO Digital Bank, employees can borrow safely and quickly, with repayments linked to their salary, and get access to a payroll-connected savings account to help them build better financial habits.
For employees, it’s a better way to access funds without the usual barriers. For employers, it’s a way to show real care, build trust, and support financial wellness, without touching company funds or adding extra work.
Everybody wins.
How UNO@Work Works
UNO@Work gives you a savings account and access to flexible corporate employee loans — all designed to help you manage your money better.
Save Smart with #UNOReady
Open a #UNOReady Savings Account that also serves as your payroll account.
- • Daily interest crediting means your savings grow every day
- • No maintaining balance required
- • No lock-in periods — save and withdraw anytime
Borrow Better with Flexible Salary Loans
When life happens, we’ve got you covered.
- • Loan from ₱10,000 to ₱200,000
- • Repayment terms from 6 to 36 months
- • Fixed rate of 1.79% per month
- • No collateral, co-maker, or company guarantee needed
Whether you’re building a cushion or bridging a gap, UNO@Work connects your salary to smarter saving and borrowing options through a corporate employee loan program.
Why Employees (and Employers) Love UNO@Work
It’s not just a perk—it’s a game-changer. From stress-free borrowing to smarter saving, it gives employees peace of mind and helps employers build a stronger, more loyal team.
Keep Your Cash Flow Intact
Offer employee loans at zero cost to your business. UNO handles the financing, so you can support your team without touching company funds.
Help Employees Stay Focused at Work
Money problems follow people to the office. Giving employees safe access to credit helps reduce stress, improve productivity, and keep your best people longer.
Be the Company People Want to Work For:
Show you care beyond payday. A corporate employee loan is a smart part of any financial wellness program, helping attract talent and earn lasting loyalty.
Fast Access to Funds
Borrow from UNO Digital Bank and get your money quickly, with no long waits or complicated steps.
Easy Repayments
Repay automatically through salary deduction or auto-debit, so you never miss a due date.
Unlock More Financial Opportunities
Access UNO’s savings, insurance, and investment products to help you manage your money and plan for the future.
Designed for Your Business Needs
UNO’s corporate employee loan program is tailored to meet your business needs, from enhancing employee satisfaction to boosting retention. With competitive interest rates, simple requirements, and fast disbursement, it’s a hassle-free solution for both employers and employees.
We can help you empower your workforce with financial options that support their growth and stability.
Designed for Your Business
UNO’s program supports your goals, from boosting satisfaction to improving retention. With low rates and fast disbursement, it’s a win-win for you and your team.
Support Growth and Learning
Help employees upskill even on a budget. Investing in their development builds confidence, productivity, and loyalty.
Flexible, Affordable Loans
Offer your team a smart way to manage personal expenses with a corporate employee loan—lower interest, less stress, and a solution that truly helps.
Ready When It Matters
Give your team quick, professional support during financial emergencies. It’s real care that strengthens trust and morale.
Browse our UNO@Work Online Brochure to learn more!
Corporate Requirements & Eligibility for Our Corporate Employee Loan Program
If your company is interested in offering this valuable benefit to your team, the process is straightforward. Here’s what you need to get started and qualify for the program to support your employees financially:
- A minimum of 50 employees
- Profitable for the last 2 years
- Operating for at least 3 years
- The nature of your business should not be considered high-risk under Anti-Money Laundering (AML) regulations
If your company meets these requirements, you’re ready to offer this benefit to your team!
Frequently Asked Questions
Opening an UNO Digital Bank account can be done in a matter of minutes using our mobile app and just 1 valid government issued ID. There is no minimum deposit or maintaining balance required so it should not be burdensome on the part of your employees.
Provided you maintain a monthly Average Daily Balance (ADB) of PHP 10,000, you are automatically entitled to a Life Insurance coverage of PHP 50,000. Should you fall below the PHP 10,000 ADB requirement, you lose your eligibility.
The UNO Digital Bank Mobile App is where all transactions are made. The app is available 24/7, wherever you are, and whenever you want.
Transferring the company payroll is optional. It is your employee’s choice to nominate their #UNOready savings account as their payroll account. Regardless, the company can still be onboarded to the UNO@Work program which will provide access to all the deposit and loan benefits available for their employees, including superior savings and salary loan rates, free life insurance and free financial management courses.
The UNO@Work program is not designed to replace your current salary loans program, rather to augment it in such a way that it becomes even more beneficial for your employees, without having to shell out more capital.
The UNO@Work Program is a holistic financial wellness program that promotes the value of saving and investing. We also offer preferential interest rates and financial management courses to guide you in making sound financial decisions.
Your UNO@Work journey starts here
When you offer a corporate employee loan through UNO@Work to your team, you’re giving them more than just access to financial support. You’re providing real assistance that reduces stress, builds trust, and strengthens loyalty.
With fair, flexible loan options and simple onboarding, it’s one of the easiest ways to support your workforce — and build a company people want to stay with.
Support your team. Strengthen your business.
