The UBA Personal Loans

Enough money for your dreams

The UBA Personal Loan product is designed to support all salary earners in meeting their life long
dreams. With this product, you can cover medical bills, make home improvements, give your side
hustle a little boost, pay for a training to improve yourself and do so much more!

Product Features & benefits

  • Convenient repayment period of 60 months
  • Interest rate as low as 18%
  • One-off management fee of 1%
  • Maximum loan amount of N30million
  • Minimum loan amount of N100,000
  • Access up to 50% of your debt service ratio(DSR)


  • Functional savings or current salary account
  • Duly completed loan application form.
  • Valid means of Identification (international passport, national driver’s license, national id card and voters card).
  • Employer’s undertaking to domicile salary with UBA.
  • Duly accepted offer letter or employee inquiry form (The offer letter should contain Employee Name, Employee Job Description/Position; Nature of Employment  (Permanent or Contract); Employee Job Status (Confirmed or unconfirmed).
  • Copy of the obligor’s staff ID.

How to apply

  • Submit a completed loan application form with supporting documents at any branch
  • Execute an offer letter detailing the loan terms and requirements, following loan approval
  • Loan will be disbursed into salary account domiciled with the Bank.

Who is Eligible

A functional salary account holder (Savings and Current).

Frequently Asked Questions (FAQs)

Here is everything you need to know about the UBA Personal Loan

Visit our dedicated lending platform “Integrated Credit Express (ICE)” or walk into any of our Business Offices nearest to you. You can also contact your Relationship Manager for guidance.

You can get up to N 30,000,000.00 (Thirty million naira) depending on your salary and other set terms and conditions.
You can enjoy flexible loan tenor up to 60 months.
  • To be eligible to obtain a loan facility, the following criteria are to be met:
    – You must be a confirmed staff of your organisation
    – You must run a UBA Salary Account
    – Your employer must be on the approved list of organisations for Personal Loans
The UBA Personal Loan facility request takes about 48 hours for loan disbursement, upon receipt of all required documentation.
  • To obtain the UBA Personal Loan, you would need to provide the following documents:
    – A duly completed Loan Application Form.
    – A copy of your pay slip and bank statement of account indicating salary inflows in the last 6 months.
    – A letter of awareness from your current employer.

Terms and Conditions apply