Borrowing money from United Bank for Africa (UBA) can be simple if you know the right steps and requirements. UBA offers different loan options to meet personal, emergency, and business needs. Whether you want an instant loan using your phone or a larger structured personal loan through the bank, this guide explains how to borrow money from UBA in clear, practical steps.
Introduction to UBA Loan Services
UBA provides multiple loan products for individuals and businesses. These loans include:
- Click Credit Plus – an instant digital loan.
- Personal Loan – a structured loan for larger financial needs.
- Senior Citizens Loan – for retirees aged between 50 and 75 years.
- SME and business loans – for small business owners and enterprises.
Each loan type has unique features, eligibility criteria, and application procedures. However, this article focuses primarily on lending options available to personal customers and how to access them using digital channels like USSD.
Also read: How to Borrow Money from PalmPay
What You Should Know Before You Borrow
Before you start the process of how to borrow money from UBA, it helps to know what to expect.
Eligibility Basics
To borrow money from UBA, you generally need:
- An active UBA savings or current account.
- A valid Bank Verification Number (BVN) linked to your UBA account.
- A phone number registered with the bank, especially for USSD.
For most digital loans like Click Credit, you must have consistent salary inflows or bank account activity over a period of time. For personal loans, proof of employment and supporting documentation are required.
Step-by-Step: How to Borrow Money from UBA Using USSD
One of the quickest ways when exploring how to borrow money from UBA with USSD code is by using the bank’s USSD platform on your mobile phone. USSD (Unstructured Supplementary Service Data) lets you perform banking tasks without an internet connection.
Also read: How to Borrow Money from Access Bank in Nigeria with USSD Code & App
Step 1: Register Your Phone for UBA USSD Banking
To borrow money using USSD:
- Dial
*919#from the phone number linked to your UBA account. - Follow the prompts to register and enroll.
- Create your 4-digit USSD PIN for secure transactions.
You only need to register once. Afterward, the USSD menu will be ready each time you need loan services or other banking functions.
Step 2: Dial the Loan USSD Code
To initiate the loan process:
- Dial
*919*28#on your phone.
This code opens the loan request menu on your screen. Follow the steps shown to check eligibility and apply.
Step 3: Follow the On-Screen Prompts
Once you dial *919*28#:
- The system will ask you to enter your account details and confirm your identity.
- You will be prompted for your 4-digit USSD PIN.
- After that, enter the loan amount you need.
If your account and transaction history meet the loan requirements, the money will be credited to your account instantly or within a few minutes.
Also read: How to Borrow Money from Moniepoint App
Step 4: Understanding Loan Limits and Conditions
The amount you can borrow on UBA via USSD depends on your account activity and the specific loan product.
- Click Credit Plus – allows you to borrow instantly, often up to ₦200,000 with a short repayment period and minimum requirements.
- Larger USSD-based loans may go higher depending on your salary history and account transaction patterns.
These loan options generally come with management or insurance fees and require repayment within the stipulated timeline on the USSD menu.
Alternative: How to Borrow Money from UBA Through Branch
If you want larger amounts (for example, a personal loan of up to N30 million), you may need to visit a UBA branch. This option is best for long-term financial needs like paying school fees, financing a car, or renovating a home.
Steps to Apply at a Branch
- Visit any UBA branch near you.
- Request a Personal Loan Application Form.
- Complete the form and attach required documents such as:
- Valid means of ID.
- Bank statements showing salary inflows.
- Letter of employment or employer’s confirmation.
- Submit your application and wait for approval.
- Once approved, the loan will be credited to your UBA account.
Also read: Latest On UBA USSD Code, For Airtime, Transfers And Mobile Banking
Types of Loans You Can Borrow from UBA
Understanding different loan types helps you choose which option suits your needs.
1. Click Credit Plus (Instant Loan)
- Made for quick cash needs.
- No paperwork required.
- Dial *919*28# to apply.
- Maximum amount is N200,000.
- Repayment is usually short term, within 30 days.
2. Personal Loan
- Ideal for larger or planned expenses.
- Allows up to ₦30 million subject to eligibility.
- Long repayment periods (up to 60 months).
- Requires supporting documentation.
3. Senior Citizens Loan
- Targeted at pensioners aged 50–75 years.
- Allows up to ₦15 million.
- Designed for retirement projects or emergencies.
Tips for Borrowing Money the Right Way
Borrowing wisely improves your credit health and relationship with the bank. Here are key points to remember:
Plan Before You Borrow
Only request the amount you truly need. Avoid borrowing extra just because a loan is available.
Also read: How to Borrow Money from Kuda Bank
Understand Fees and Charges
Instant loans may include management or insurance fees. Always read the terms before confirming.
Create a Repayment Strategy
Have a plan to repay on time. Late payments can affect your credit score.
Keep Your USSD PIN Secure
Never share your USSD PIN with anyone. This protects your account from unauthorized access.
Conclusion
Knowing how to borrow money from UBA gives you access to convenient financial solutions. Whether you choose the fast USSD method with how to borrow money from UBA with USSD code (*919*28#) or a detailed application for a large personal loan at a branch, preparation and planning will keep your borrowing safe and beneficial. Always understand the terms and repay on time to build strong financial credibility.
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