Guide for Direct Sales Agents
Applicants must be:
- A Filipino citizen,
- Employed (salaried formal or informal) OR self-employed,
- Must meet the minimum income requirement, and
- Must meet credit and employment guidelines.
- Standard minimum income: ₱25,000 gross monthly income
- For BPO / Outsourcing staff: ₱40,000 gross monthly income
Agents should pre-screen income before submitting.
Accepted:
- Salaried employees (formal sector),
- Salaried employees (informal sector),
- Self-employed individuals (sole proprietors, freelancers, professionals)
Not accepted:
- Student
- Housewife / Househusband
- Unemployed
- Retired
- Overseas Filipino Worker (OFW)
- Formal employee: Employer is in the SEC list or bank-verified employer list
- Informal employee: Employer is NOT in SEC or bank-verified employer list
The borrower must provide any one (1) of these valid government IDs:
- National ID (PhilSys)
- ePhilID
- Passport
- Driver’s License
- UMID
- SSS
- PRC
- Postal ID
Existing-to-bank customers may use other IDs as approved by the credit committee.
They must be 21–65 years old at the time of application.
No. Loans are only for Filipino citizens.
It may be done if needed by Credit Underwriting. Verification sources:
- Third-party database
- Office contact
- Email validation
- DTI for self-employed
- PRC verification for professionals
- Supreme Court site for lawyers
High-Risk Occupation:
- Spa services & massage therapy
- GRO / Nightclub entertainer
High-Risk Business (Self-employed):
- Crypto / virtual currency / exchange
- Firearms & ammunition
- Gambling / gaming / lottery
- Pawnshop, remittance, money changer, bayad center
No, if they fall under:
- DOSRI or Related Party Transactions (RPT)
Loans prior to hiring are allowed only if:
- Not renewed, restructured or delinquent.
No. The new policy removes them.
Loans are only for Filipino citizens.
It is still allowed under informal employment.
They may still get approved as long as:
- Their score is within AA-FF range,
They have a clean credit history.
No. This is an unsecured personal loan.
Not always. It is done only at underwriting discretion.
- For new-to-bank: It must be from the approved ID list.
- For existing-to-bank: Additional IDs may be accepted.
- ALL fields must be filled
- Do not use “N/A” unless truly applicable
- Employment and income details must be complete
- Signature must match ID
- Signature must not be cut-off or incomplete
- Signature must be clear and visible
- Address must match ID and proof of billing (if required)
- Address must not have abbreviations that cause confusion
- Photos must not be blurred
- Documents must not be cropped
- Text must not be covered by shadows
- Entire document must be visible
Submitting incomplete or unclear documents delays processing and affects DSA approval rate.
All documents should follow the 1-month validity rule.
- Pay slips: Recent
- Bank statements: Last 1 month
- COE: Recently issued
Any document older than 30 days may cause rejection.
Submitting incomplete or unclear documents delays processing and affects DSA approval rate.
Client to fill out the application form (hard copy/electronic copy) together with the necessary requirements
DSA to send the filled out and signed application form together with the requirements to UNO DSA team via e-mail
SQA to acknowledge and encode the loan application details to AAM
Once the income document has been uploaded, proceed with AAM submission
Underwriting and verification process; Approval will appear in customer’s app
The customer shall trigger to open a CASA in UNO mobile app and accept the loan offer.
Funds are credited to the customer’s #UNOready Savings Account.
Turnaround time is 2-3 days upon encoding.
The daily cut-off for turn-ins of applications is 5:00 PM. Applications sent beyond the said cut-off time will be encoded in the next banking day.
Client Awareness & Transparency Requirement
If client is unaware during verification, application may be automatically denied.
Before endorsement, DSAs must ensure:
- Client knows they are applying with UNO Digital Bank
- Client understands the maximum loan amount applied for
- Client is aware of basic loan terms (interest, tenure, monthly amortization)
- Client did NOT apply simultaneously through multiple DSAs for the same product
Red flag situations:
- Client says: “Hindi ko alam kung anong bank.” (“I don’t know which bank it is.”)
- Client mentions applying with another bank for same details
- Client is unaware of declared loan amount
- Client denies knowledge during verification
Performance Impact
Non-compliant submissions affect:
- Approval rate
- DSA risk score
- Future volume allocation
- Commission qualification
- Continued accreditation
Quality Submissions = Higher Approval + Higher Earnings
Reminder:
Do NOT forward leads that clearly do not qualify.
This protects your approval rate and prevents fraud flags.
Quick Screening Questions
Confirm these details before you submit any applicants.
- Are they a Filipino citizen?
- Are they 21–65 years old?
- Is their monthly income ≥ ₱25K (or ₱40K if BPO)?
- Do they have a valid government ID?
- Do they NOT have a high-risk occupation or prohibited employment type?
- Do they have a clean credit history?
- Do they have NO pending fraud or BSP alerts?
- Is the occupation allowed?
- Is the address complete and consistent?
- Are all fields filled?
- Are documents clear and updated?
- Is the client fully aware and aligned?
If the answer is NO to any question, do NOT endorse and do NOT submit yet.
Opening #UNOready Savings Account: Step-by-Step Guide
- Download and install the UNO Mobile App
- Launch the app and start the easy onboarding process
- Enter your mobile number and verify with an OTP
- Accept the Terms & Conditions and Privacy Policy
- Scan your government-issued valid ID
- Take a selfie for facial verification
- Verify your details are input correctly
- Provide your employment and financial info
- Verify your email with OTP
- Create a secure password and a 4-digit passcode
Reminder
When opening their #UNOready account, the customer must use the same government-issued valid ID and mobile number submitted in the loan application.
