Instant Loan App Without BVN 3

UBA Loan – Requirements & How to Apply for Loans – NG Job Alerts


The United Bank for Africa (UBA) has introduced “Click Credit”, a lending product meant to take care of consumers who have payroll accounts with the bank and have urgent needs to meet.

With UBA, customers can apply for loans up to ₦5 million and repay them over a 12-month period at an interest rate of 1.58% each month.

Also, alary employees between the ages of 18 & 59 who earn at least ₦25,000 are eligible for UBA salary loan without the need for collateral or additional paperwork at no additional cost.

Look no farther than a UBA loan if you want a loan with:

  • A flexible repayment plan
  • longer credit tenure, and 
  • less equity.

You can use a UBA Loan to meet your urgent financial demands for personal loans or asset financing. Through asset financing, you can also take advantage of the loan opportunity to grow your company.

Why choose UBA Loans?

As the most technologically advanced financial institution in Africa, UBA has created Click Credit, a simple and more cheap lending product compared to many others on the market. Click Credit is also tailored to the needs of millions of consumers. Its distinguishing quality is that it satisfies a pressing credit need for the people.

UBA Loans are defined to meet your needs. Some general benefits are:

  1. Different loans are available for specific uses.
  2. Competitive interest rates.
  3. Convenient and flexible repayment terms.

What services do UBA Loans offer?

Personal Overdraft: 

Employees of respectable private and public organizations have access to this short-term loan option. It has a 3 million dollar ceiling and permits you to overdraw your current account by six months. You pay back the money you borrowed plus 5% interest once every 30 days when your salary is paid. Executive personal overdrafts and revolving personal overdrafts are two further categories.


  1. Annual income after-tax minimum of ₦5Million for an executive personal overdraft, and ₦2.5million for a revolving personal overdraft.
  2. Your UBA account must be your salary account through which they have paid salaries for at least 3 months.

Documents required:

Asset Finance

This credit program gives you an opportunity to purchase assets that you cannot finance immediately.


  1. You must be an employee of a reputable organization in the private or public sector.
  2. They must have paid your salary through UBA for at least 1 month.

Document required:

  • Loan application form and Pro-forma invoice.

Personal Loan:

Personal loans provide extra cash to quickly meet emergencies or casual needs like paying medical bills or getting your car fixed.


  1. This loan is available to everyone with a UBA account.

Document required:

  • Loan application form.  

Cooperative Loans

Just as the name implies, this service provides loans to cooperative societies of reputable companies. It has a minimum opening and operating balance of ₦2,000.


  1. Available to only cooperatives of reputable companies.

Document required

  1. Letter of request to the manager of your business, signed by executives of the cooperatives. This letter should state the amount and tenor of the loan required.
  2. This letter is to be submitted along with other supporting documents as requested by the bank.

Cash Collaterised Loan

You can now obtain credit in Naira, Pounds, Dollars, and Euros. Your cash deposits, investments, and their equivalents with UBA or other financial institutions that UBA accepts help achieve this.


  1. You must have cash deposits, or investments and their equivalents with UBA.
  2. Your past 3 month salaries must have been paid through UBA.
  3. Employees discussing or selling consumer credit products.

Document required:

  1. UBA consumer loan application form.
  2. Letter of Lien or set-off or Deposit Hypothecation Agreement in your name.
  3. Letter of confirmation of collateral.
  4. Original certificate of deposit or savings passbook.
  5. Memorandum of charge over the investment or cash deposit.

Ensure that all documents provide a rollover instruction where necessary.

If the pledged cash deposit is not in your name, you would need the following extra documents:

  1. Guarantee form.
  2. Complete domiciliation of proceeds form.

If the pledged deposit or investment is in the name of an association or liability limited company, you would need:

  1. Your constitution or memorandum Articles of association. 
  2. An executed board resolution of the organization authorizing the pledging of cash deposit to the bank on another party’s behalf of another party.

How do I Apply for UBA Loans?

  1. Visit their official website at On the website, you can download a copy of the specific loan application form that you are interested in.
  2. Fill out the form and any other required documents as directed on the site.
  3. Submit to the customer service officer in your nearest branch.

You can also get the loan form from the customer service officer too if you cannot download it.

Apply for UBA Loan Using USSD Shortcode

The UBA Bank Nigeria quick loan code is *919*28#. It is available to all UBA account holders in Nigeria.

  • Step 1: Dial *919*28# for you to get started on accessing your loan.
  • Step 2: Enter the amount you would wish to get.
  • Step 3: Select the period you would wish to pay the loan you are getting.
  • Step 4: Select finish and your loan shall be approved within a few minutes

What are the Requirements for UBA Loans?

Depending on the loan type, the UBA loan requirement may vary. In the section above under “What service do UBA Loans offer,” they list each lending service along with the associated conditions. The loan application and other paperwork needed for each loan are available online or at any branch.

UBA provides loan services to meet your short-term and long-term financial demands. You can readily access their loan applications online from the convenience of your home. Take out a UBA loan to help you today if you match the requirements.

Read Related Posts…

  • Creditville Loan: How to Apply for PayDay, SME Loan, Public Sector, & LadyFlexy Loan
  • Available Quick Cash Loan Shortcodes You Can Use to Borrow Loans in Nigeria 2022
  • UBA Loan – Requirements & How to Apply for Loans
  • Renmoney Loan App: How to Get Urgent Loans for Your Business or Personal Needs
  • Guaranty Trust Bank (GTB) Loan Application Process
  • Top #9 Fast Loan Apps in Nigeria Without Documentation
  • Top Instant Loan App Without BVN in Nigeria
  • How to Get a Loan From Access Bank
  • Available & Ongoing Grants in Nigeria for Businesses [2022 Updated]
  • PalmCredit Quick Loan Login: Borrow up to ₦100,000 on Palmcredit Credited in 5mins
  • PiggyVest App Login: How to Download, Save & Invest Money
  • FairMoney Loan App Login: Sign Up, Easily Borrow Between ₦1,500 & ₦1,000,000
  • #35 Best Urgent Loan Apps in Nigeria 2022 [With Flexible Repayment Plan]
  • FastaLoan Registration: Get up to R8000 In Less Than 5 Minutes
  • LCredit Loan Login: Borrow up to ₦50,000 [Credited in 30minutes]
  • Do Student Loans Affect Your Credit Scores?
  • How to Obtain $300-$1000 Guaranteed Loan Approval With no Credit Check
  • NewCredit Loan App: Partner With the Best Personal & Biz Loan in Nigeria
  • Elastic loan login: How to Log in and Apply for Loan
  • Payday Loans Apps That Work With Chime
  • IPPIS Loan for Nigerian Workers
  • XtraCash Loan: How to Apply and Repay Your XtraCash Loan
  • How to Check NIRSAL Covid-19 Loan Approval with BVN
  • How To Check NIRSAL Loan Approval With BVN Online
  • Easy Credit Loan App Login: Your #1 Nigerian Personal Loan App
  • Migo Loan Repayment: Ways to repay your loan
  • How is a Student Loan Different From a Scholarship?

Related Posts

Leave a Reply

Your email address will not be published. Required fields are marked *

error: Content is protected !!