UBA Loans

Taking a loan shouldn’t drive you crazy. A new generator, a quick fix in an emergency, a dream vacation, a new car; whatever your needs are, there’s a UBA loan for you.

Super-fast loans with
Click Credit

Don’t get knocked out by emergencies, get up to N5million in less than 2 minutes at a fair interest of 1.58% monthly and pay back in 12 months.

No paperwork! No awkward conversations! Get it in less than a minute.

  • Just dial *919*28#
  • Click Credit is also available on all our digital platforms (Leo, UBA Internet Banking and Mobile Banking)

Click Credit is open to everyone with a UBA Salary Account.

FAQs

  • A superfast loan that is open to everyone with a UBA Salary account.

  • Dial *919*28# or apply on any of our digital channels. (Leo, Mobile Banking and Internet Banking).

Simply open a UBA account with any of these options:

  • Dial *919*20#
  •  
  • Chat with LEO:
    • Search for “UBACHATBANKING” on Facebook with the verified logo (Blue Tick).
    • Or say “HELLO” to Leo on WhatsApp +2349030019007
      • Download the UBA Mobile Banking App and choose the “open an account” option
      • Visit a UBA branch close to you to open an account
      •  
  • You can get up to N5,000,000.00 (Five million naira) in less than 2 minutes.
  • You can spread your repayment over 12 months.
  • No Processing and paperwork! Just dial and get your loan in less than a minute!
  • To qualify for a loan, you must have received your salary through UBA for the last 6 months.

  • Your Confirmation status at your place of employment is not a requirement for the loan.

  • You must have been receiving your salary through UBA for at least six months before you can be eligible for this loan.

  • No hidden fees, no extra charges.

  • A low interest rate of 19% p.a. (1.58% monthly).

Make your dreams real with Personal Loans

Don’t get knocked out by emergencies, get up to N5million in less than 2 minutes at a fair interest of 1.58% monthly and pay back in 12 months.

  • You can get up to N30m
  • Pay back conveniently in up to 48 months
  • Access up to 50% of your debt service ratio (DSR)
  • A functional UBA Salary Account
  • Confirmation Letter and/or last promotion letter
  • Valid means of Identification (International Passport, National Driver’s License, National ID Card and Voters Card)
  • Staff ID Card
  • Employer’s undertaking to domicile salary with UBA or completed Employee Inquiry form
  • Visit a UBA branch close to you to complete a loan application form
  • Upon review and approval of your loan, you will be required to sign an offer letter detailing the loan terms and requirements
  • Upon execution of offer letter, loan will be disbursed into your UBA Salary Account

FAQs

  • Visit any of our branches close to you
  • Or contact your Relationship Manager via E-mail to apply
  • Simply open a UBA account with any of these options:

    • Dial *919*20#
    •  
    • Chat with LEO:
    • Search for “UBACHATBANKING” on Facebook with the verified logo (Blue Tick).
    • Or say “HELLO” to Leo on WhatsApp +2349030019007
      • Download the UBA Mobile Banking App and choose the “open an account” option
      • Visit a UBA branch close to you to open an account
  • You can get up to N30,000,000.00 (Thirty million naira) depending on your salary and other set terms and conditions.
  • You can enjoy a flexible loan tenor up to 60 months.
  • After all, required documents have been submitted, it takes 48 hours for the loan disbursement.
  • You must have a functional UBA Salary Account
  • Your employer must be on the approved list of organizations for Personal Loans
  • You must be a confirmed staff
  •  
  • Sadly, No. Personal Loan is only open to confirmed staff.

    • A copy of your Pay Slip and Bank Statement of Account showing salary inflow in the last 6 months
    • Confirmation Letter and/or last promotion letter
    • Valid means of Identification (International Passport, National Driver’s License, National ID Card and Voters Card)
    • Staff ID Card

    Employer’s undertaking to domicile salary with UBA or completed Employee Inquiry form

Buy Now and Pay Later with Asset Finance

You don’t have to wait to get the things you want, you can buy now and pay conveniently. From household appliances to alternative power solutions and mobile devices, you can purchase a variety of items from our partner vendors.

  • Get a loan of up to N3m
  • A large selection of reputable dealers/retailers
  • Pay back conveniently in up to 24 months
  • Minimum equity contribution of 30%
  • Buy smartphones, furniture, laptops, household appliances, inverters, generators and a variety of assets
  •  
  • A functional UBA Salary Account
  • Confirmation Letter and/or last promotion letter
  • Valid means of Identification (International Passport, National Driver’s License, National ID Card and Voters Card)
  • Staff ID Card
  • Pro-forma invoice for the item issued in the name of the Bank/the applicant
  •  
  • Visit any of our approved vendor store to obtain a Pro-Forma Invoice (PFI) for your preferred items
  • Present the invoice at a UBA branch and complete a loan application form
  • Upon review and approval of your loan, you will be required to sign an offer letter detailing the loan terms and requirements
  • Visit the store to pick up your items
  •  

FAQs

  • It’s a loan given to customers with a UBA Salary Account to buy assets of their choice from any of the approved vendors of the Bank.

  • With UBA Asset finance loan, you can buy Home appliances, Electronic devices, Mobile Phones, Generators, Solar systems, Furniture and other assets.

  • Yes, provided your income can support additional facility subject to the approved percentage of your salary for loan repayment.
  •  No. However, you can place independent loan requests to acquire assets from different vendors.
  • No, you do not need collateral for asset financing.
  • Yes, there are after sales service on certain items as specified by the vendors.
  • You are required to make available a minimum equity contribution of 30% of the cost of the asset to be acquired, while the Bank will provide the balance of the cost as a loan.

Upgrade your ride with Auto Loans

Looking to buy a new car? It’s an easy ride with UBA Auto Loan.

  • Get a loan of up to N15m
  • A large selection of reputable Auto dealers/retailers
  • Pay back conveniently in up to 48 months
  • Minimum equity contribution of 30%
  • Comprehensive insurance and vehicle tracking
  •  
  • A functional UBA Salary Account
  • Confirmation Letter and/or last promotion letter
  • Valid means of Identification (International Passport, National Driver’s License, National ID Card and Voters Card)
  • Staff ID Card
  • Employer’s undertaking to domicile salary with UBA or completed Employee Inquiry form
  • Pro-forma invoice for the item issued in the name of the Bank/the applicant
  •  
  • Visit any of our approved vendor store to obtain a Pro-Forma Invoice (PFI) for your preferred items
  • Present the invoice at a UBA branch and complete a loan application form
  • Upon review and approval of your loan, you will be required to sign an offer letter detailing the loan terms and requirements
  • Visit the car dealership to pick-up your preferred car
  •  

Terms and Conditions apply

FAQs

  • It’s a loan given to customers with a UBA Salary Account to purchase cars from any of the approved vendors of the Bank

  • You can acquire a vehicle from any of the brands listed below:

    • Mercedes
    • Honda
    • Hyundai
    • Kia
    • Suzuki
    • Benz
    • Ford
    • Toyota
    • Mitsubishi
    • Nissan
    • Volkswagen
  • Yes, provided your income can support additional facility subject to approved percentage of your salary for loan repayment.

  • No, you do not need collateral for auto financing.
  •  
  • Yes, there are after sales service on vehicle financed as specified by the retailers.
  • You are required to make available a minimum equity contribution of 30% of the cost of the car to be acquired, while the Bank will provide the balance of the cost as a loan.

  • Yes, all financed vehicles will be insured by Insurance companies approved by the Bank.

Tools and Resources

With UBA, personal or corporate banking is easier on any device anywhere. Our digital solutions offer various benefits that ensure you stay in control wherever you are.

Use our tools and resources here.

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