How to apply for UBA click credit- salary advance, Payday loan,Asset Finance and personal loan

Last updated on March 3rd, 2023 at 06:03 am

Do you want to learn how to apply for  UBA salary advance/Payday loan,Asset Finance and personal loan? The United Bank of Africa UBA  offers A-Z loan for both salary earners and business entrepreneurs ranging from house rent,medical bills, car upgrade education and SME.

The financial institution offers both a salary advance loan known as Click credit which is a super-fast loan for all your emergencies. They also offer Integrated Credit Express (ICE),Personal.

Overdraft,Personal Loan,Co-operative Loans and Asset Finance. We shall be discussing a salary advance loan which is known as click credit.

What is UBA click credit?

This is a USSD loan with no form of documentation, paperwork, no queue. With this product; as a salaried customer, you can now get the cash you need instantly and pay back within 12 months. Click credit gives you funds up to N5million at an interest rate of 1.58% monthly.

To enjoy this product, you would need to operate a salary account with UBA. The loan, customers salary account must be domiciled in the Bank and have received salary inflow through UBA for the last 6 months and you can get  up to N 1,000,000.00 (One million naira) with flexible loan tenure between 3 to 12 months.

The applicable interest rate is 36% p.a. (3% monthly).An active UBA Salary Account with a minimum monthly salary of at least ₦50,000 is require for loan application and approval.

Also read; How to Register, open Account ,Transfer Money, check account balance and Buy Airtime

What’s UBA click credit for you ?

1.Borrow up to N1 million
2. Get your loan in one minute
3. Convenient repayment option between 3- 12 months
4. Low interest rate

How to Apply for UBA click credit

There is No paperwork! No awkward conversations! No waiting to Get UBA click credit loan . you can get it in one minute all you need is to follow the steps below.

1. Just dial *919*28# and follow the prompt message to complete the click credit loan appplication.
2. OR Send “Loan” to Leo on Instagram, WhatsApp, Apple messages, Facebook messenger or Google Business Chat
3 OR .Select the Click Credit feature on the UBA Mobile App



Eligibility criteria

To enjoy this product, you would need to operate a Functional salary account with UBA. Customers must have received their salary through UBA for the last 6 months.

Interest rate

The applicable interest rate is 19% p.a. (1.58% monthly)

How to Apply for UBA salary advance loan

method 1. USSD Short Code [DIAL *919*28#]
method 2. Click Credit is also available on all their digital platforms (Leo, UBA Internet Banking and Mobile Banking)
Method 3. Search for “UBACHATBANKING” on Facebook with the verified logo (Blue Tick).
method 4.  Send a “HELLO” to +2349030019007 on WhatsApp.
You could also walk into any of our Business Offices nearest to you to open one.

Please Note: Salary earner can also apply for the following loan with UBA


Also read: How to buy Airtime, Open Account ,Funds Transfer and Pay bills in Nigeria

2. Asset Finance

The credit program that gives you the opportunity to own those assets you have always longed for.You must be confirmed employees of reputable organisations in the private or public sector

Individuals whose salaries must have been paid through UBA for at least 1 month

How to Apply for UBA Asset Finance Loan

1. Complete a Consumer Loan Application Form, which you may download online or pick up from any of our branches
2. Obtain a pro-forma invoice from an acceptable vendor known to your customer service officer
3. Submit your application to the customer service officer in your branch
4. Provide the minimum equity contribution of 20% of the cost of the asset
5. Provide the funds to cover the insurance cost

Read : How to check UBA Account Balance and Statement of account

3. Personal Loan

We will give you the freedom to spend a little more on what you really want. You may need some extra cash to fix your car, pay medical bills or take care of other emergencies. How you choose to use your loan is up to you.

Read: UBA Seamless transactions Magic CODE *919#:How to buy AIrtime, Open Account ,Funds Transfer and Pay bills in Nigeria

Who Can Get a Personal Loan?

Anyone with a UBA salary account

How to Apply for UBA Personal Loan?

To apply for UBA personal loan , borrower  should Complete a UBA Consumer Loan Application form which you may download here or pick up from any of our branches
Submit your application to the customer service officer in your branch

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