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🔹 1. UBA Personal Loan
UBA offers personal loans tailored for salary earners to meet urgent personal and family needs such as rent, medical expenses, school fees, or travel.
✅ Features:
- Loan Amount: ₦200,000 to ₦30,000,000
- Repayment Period: Up to 5 years (60 months)
- Interest & Fees: Competitive interest rates and a 1% one-off management fee
📝 Requirements:
- Must have a salary account with UBA
- Employer must domicile salary with UBA
- Completed application form
- Valid means of identification (e.g., NIN, Voter’s Card, Int’l Passport)
- Employer’s undertaking to remit salary
- Letter of employment or confirmation
- Staff ID or Work ID
🧭 How to Apply:
- Visit any UBA branch
- Speak to a Relationship Manager
- Or apply online through the UBA ICE Portal
🔹 2. Click Credit (Instant Salary Loan)
This is an instant, unsecured microloan offered to salary earners with active UBA salary accounts. It’s automated and doesn’t require paperwork.
✅ Features:
- Loan Amount: Up to ₦1,000,000
- Repayment Period: 3 – 12 months
- Interest Rate: Around 1.58% – 2.5% monthly, depending on application channel
📝 Requirements:
- A UBA salary account with a minimum monthly salary of ₦50,000
- Salary must be regularly credited for at least 3 months
🧭 How to Apply:
- Dial:
*919*28#(UBA Magic Banking USSD) - Use UBA Mobile App, Internet Banking, or LEO (UBA’s chatbot on WhatsApp or Facebook)
🔹 3. Senior Citizens Loan (For Pensioners Aged 50–75)
Designed for retirees who still need access to credit for personal use, emergencies, or family support.
✅ Features:
- Loan Amount: Up to ₦15,000,000
- Repayment Period: Up to 36 months (3 years)
📝 Requirements:
- Age between 50 – 75 years
- Pension account must be domiciled with UBA
- Consistent pension inflow for at least 3 months
- Minimum monthly pension of ₦100,000
- Pension statement and valid ID card
🧭 How to Apply:
- Visit any UBA branch with your pension documents
- Fill out the loan form and complete eligibility checks
🔹 4. UBA SME Loans (For Small and Medium Enterprises)
UBA provides various structured loan options for small and medium business owners to grow their businesses.
✅ Loan Categories & Features:
a) Working Capital Loan
- Amount: Up to ₦50,000,000
- Tenor: Up to 12 months
- Target: Inventory, daily operations
b) Asset Finance
- Amount: ₦4 million to ₦50 million
- Tenor: 12 – 36 months
- For purchase of business equipment
c) Creative Industry Financing
- Amount: ₦3 million to ₦5 million
- Tenor: 3 – 10 years
- Moratorium: Up to 36 months
d) School Loans
- ₦5 million (12 months)
- ₦20 million (36 months)
- Up to ₦100 million (5 years)
📝 General SME Loan Requirements:
- CAC-registered business (at least 1 year)
- Active UBA business account
- Business must be operational and profitable
- BVN, business plan, collateral (if applicable)
- Financial records or bank statements
🧭 How to Apply:
- Visit the nearest UBA branch and speak to an SME officer
- Submit your CAC documents and loan application form
🔹 5. UBA Mortgage & Home Loans
This loan is structured to help customers purchase land, homes, or finance real estate projects with long-term repayment plans.
✅ Features:
- Loan Amount: Up to 50% of property value
- Lagos: Up to ₦70 million
- Abuja/Enugu/Port Harcourt: Up to ₦40 million
- Tenor: Up to 10 years
- Interest: Competitive and tax-deductible interest rates
- No penalties for early repayment
📝 Requirements:
- Salary must be domiciled with UBA
- Minimum 3 months salary history with UBA
- Proof of income/employment
- Property valuation report and title documents
🧭 How to Apply:
- Visit the UBA Mortgage Services section online or your local UBA branch
- Begin pre-qualification and documentation
🔗 Where to Apply (Official Links)
- UBA Official Website – Loans Page:
https://www.ubagroup.com/loans - Click Credit Application via USSD:
Dial*919*28#on your mobile phone - LEO Chatbot for Loans (Facebook & WhatsApp):
Search “UBA Leo” on Facebook or WhatsApp and start a chat
💡 Final Notes:
- Always verify eligibility before applying.
- Your credit score and income determine how much you qualify for.
- Loans are subject to approval by UBA and regulatory terms.
