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Click Credit Plus

Unexpected expenses? No worries!
You can access up to ₦200,000 instantly with UBA Digital Loan, anytime, anywhere. It’s fast, easy, and secure.

Dial *919*28#
Click Credit Plus

Features

  • Borrow up to N200,000.
  • Get your loan in one minute.
  • 30 days repayment option
  • Competitive interest rate.

See terms and conditions

Requirements

  • 6 months’ salary receipt (salaried customers).
  • Age between 18 - 60 years old.
  • Customer must have a current/savings account with UBA.
  • Good Credit status.
  • Non salaried customers must have been banking with UBA for at 6 months with consistent deposits in the last 12 months.
  • Just dial *919*28#.
  • Send “Loan” to Leo on Instagram, WhatsApp, Apple messages, Facebook messenger or Google Business Chat.

See terms and conditions

How to Apply

No paperwork! No awkward conversations! No waiting! Get a loan in one minute.

  • Just dial *919*28#.

See terms and conditions

How to Apply

No paperwork! No awkward conversations! No waiting! Get a loan in one minute.

Loan Calculator

Select the loan amount, rate, and duration to get started

Get started now by opening an account of dial *919#

Open an Account
Dial *919#

Frequently Asked Questions

Top questions on our Click Credit Plus

This is an automated Instant Loan that is available on USSD and all Leo platforms. It is open to all salaried individuals who receive their monthly salaries through UBA.

To apply for the Click Credit:

  • Dial *919*28#
  • Send “Loan” to Leo on Instagram, WhatsApp, Apple messages, Facebook messenger, Google Business Chat.

To enjoy this product, you would need to operate a salary account with UBA. You could follow the easy steps below to open an account:

  • Dial *919*20#
  • Chat with Leo on Instagram, WhatsApp, Apple messages, Facebook messenger, Google Business Chat.
  • Open an account via the UBA Mobile App.
  • You can also walk into any of our Business Offices nearest to you to open one.

You can get up to N 1,000,000.00 (One million naira).

You can enjoy flexible loan tenure of 6 months.

No processing and paperwork! Just dial away and obtain your loan in less than a minute!

To be eligible for the loan, customers salary account must be domiciled in the Bank and have received salary inflow through UBA for the last 6 months.

Confirmation status of the applicant in the place of employment is not required for loan eligibility.

No documents are required. Once again, just dial away!

You must have received your salary through UBA for at least six months before you can be qualified for this product.

Management and insurance fees are applicable, 1% each.

This is an Instant Loan Product that is fully automated end to end and is enabled on our USSD. It is available to all UBA Staff, salaried individuals and non-salaried individuals who receive their monthly emoluments or consistent deposit through UBA.

  • Dial *919*28#

To enjoy this product, you would need to operate an account with UBA. You could follow the easy steps below to open an account:

  • Dial *919*20#
  • Chat with Leo on Instagram, WhatsApp, Apple messages, Facebook messenger.
  • Open an account via the UBA Mobile App.
  • You can also walk into any of our Business Offices nearest to you to open one.

You can get up to ₦200,000 (Two hundred thousand Naira).

You can enjoy flexible loan tenor up to 30 days.

No processing and paperwork! Just dial away and obtain your loan in less than a minute!

To be eligible for the loan, customers account must be domiciled in the Bank and must have received six months salary or consistent deposit inflow through UBA in the last twelve months.

No documents are required. Once again, just dial away!

You must have received your salary through UBA for at least six months before you can be qualified for this product.

1% Management fee and 1% Insurance fee

The applicable interest rate is 10%-15% flat, which are taken upfront.

UBA staff, salaried customers whose salary account is domiciled with the bank and non-salaried customers who have receive consistent deposit inflow.

Currently, this is available on USSD, but integration on LEO platform is nearing completion.

Yes, customers have the right to liquidate their loan at any time. For convenience, early repayment can be done seamlessly via our USSD channels.

The algorithm also considers customers’ historical transaction data to enhance predictive accuracy. Key behavioural and transactional parameters include:

• Spending Size
• Account Balance
• Spending Speed
• Inflow Patterns
• Spending Seasonality
• Dormancy Check
• Inflow Support
• Stability of Inflows
• Character Checks.

Customer will be charge 1% penal charge for defaulting on the loan from 30days past due.

Customer can access the loan multiple times in a month, provided the previous loan has been full liquidated.

Your eligibility can be affected by any of the following.
• If you have any outstanding loan with UBA
• If there is no evidence that you have you received salary in the previous month.

Click Credit Plus is an enhanced version of the existing Click Credit loan, offering more flexible features. It leverages Al to determine eligible customers and assign loan amount based on their credit history and transaction behaviour.