How to Apply for UBA Personal Loans and the Requirements

How to obtain UBA Personal Loans and eligibility criteria. The UBA Personal Loan helps functional salary account holders who maintain a UBA Salary Account pay their unexpected costs, such as medical bills or home projects, with funds from their savings and current account. After receiving all of the necessary papers, the UBA Personal Loan facility request will take about 48 hours to process before the loan may be disbursed.

Borrowers can take advantage of a flexible loan tenure of up to sixty months, and the loan amount can range anywhere from one hundred thousand to thirty million Nigerian naira, based on the borrower’s salary and other terms and circumstances. The interest rate can be as low as twenty percent, and there is a one-time administration charge of one percent; this enables you to access up to fifty percent of your debt service ratio (DSR).

How do I know if I am eligible for a loan?

To be eligible to obtain a UBA Personal loan, the following criteria are to be met:
1. You must be a confirmed staff of your organization
2. You must run a UBA Salary Account
3. Your employer must be on the approved list of organizations for Personal Loans

You can also read:How UBA Click Credit Loan and Instant Bills Pay Works



Also read: 3 Steps to get UBA Personal Loans and requirements

What documents am I required to provide to obtain UBA Personal loan

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.


Before you can apply for UBA personal loan, you need to provide the following documents as requirements

1.Functional savings or current salary account
2.Duly completed loan application form.
3.Valid means of Identification (international passport, national driver’s license, national id card and voters card).
4.Employer’s undertaking to domicile salary with UBA.
5.Duly accepted offer letter or employee inquiry form (The offer letter should contain 6.Employee Name, Employee Job Description/Position; Nature of Employment (Permanent or Contract); Employee Job Status (Confirmed or unconfirmed).
7. Copy of the obligor’s staff ID.

Also read: UBA ussd code: How to Use, Register, Activate, Reset Pin

How to apply

You can easily apply for a UBA Bank personal loan by visiting the 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.

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

The UBA Personal Loan facility request takes about 48 hours for loan disbursement, upon receipt of all required documentation.



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