UBA Personal Loan – review 2026

Name: Recenze UBA Personal Loan
Item: UBA Personal Loan
Rating: 4.0
Author: Finatino.com

4,0 / 5

United Bank for Africa offers personal loan products through its Click Credit and traditional personal loan facilities. UBA operates in 20 African countries and is regulated by the Central Bank of Nigeria, offering digital-first loan applications for salary earners.

Pros

Click Credit allows instant loan access through USSD code or mobile app without branch visit
Available across all 36 Nigerian states via branches and digital platforms
Competitive rates for UBA salary account holders
Simple application process with minimal documentation
Loan funds transferred directly to UBA account within minutes for eligible customers

Cons

Best rates and instant disbursement limited to UBA salary account holders
Click Credit amounts may be lower than the standard personal loan limit
Full personal loan application requires branch documentation submission
Credit assessment required for amounts above Click Credit instant limit
Monthly deduction from salary account reduces financial flexibility

Requirements

UBA salary or current account
Valid ID (NIN slip, national ID card, international passport or driver licence)
BVN
Evidence of employment and regular income
Minimum monthly salary of ₦25,000 for Click Credit

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.