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Empower Your Dreams with UBA Loan Codes In 2024

uba loan code

Uba loan codes: Are you on the lookout for a reliable funding source to realize your business or personal aspirations? Look no further than the UBA loan! UBA (United Bank for Africa) is a leading financial institution in Africa, offering a diverse range of loan products tailored to meet the unique needs of its customers.

Whether you aspire to expand your business, renovate your home, or finance your child’s education, UBA loans provide flexible repayment terms and competitive interest rates to make your dreams a reality.

In this comprehensive article, we will delve into the world of UBA loans, exploring the various loan offerings, their benefits, requirements, and the convenient USSD code for loan application. So, let’s dive right in and uncover the financial possibilities that UBA loans can offer.

About UBA Loan CODES

UBA Loan encompasses a spectrum of loan products provided by the United Bank for Africa, a leading financial institution in Africa. These loans are strategically designed to offer financing solutions for a multitude of purposes, catering to both personal and business needs.

With flexible repayment terms and competitive interest rates, UBA loans cover a wide array of financial requirements, including personal loans, salary advance loans, education loans, asset finance loans, and SME loans.

Whether you seek to fuel your business growth, enhance your living space, invest in your child’s education, or manage unexpected expenses, a UBA loan has got you covered. UBA loans empower you with swift and hassle-free financing options to achieve your financial goals.

Benefits of Using UBA Loan:

UBA loans are crafted to cater to your specific needs, providing a range of advantages, including:

  1. Competitive interest rates.
  2. Diverse loan products tailored for specific uses.
  3. Convenient and flexible repayment terms.
Advantages of UBA Loan:

UBA extends its financial support even to those without a UBA account, allowing salary earners to access up to 10 million naira to meet their financial needs. Furthermore, it offers financial assistance to federal and state civil servants during cash flow constraints.

Disadvantages of UBA Loan:

However, it’s essential to note that UBA loans come with certain limitations, including:

  1. Strict eligibility criteria.
  2. Lengthy application processes.
  3. Not suitable for ongoing expenses.
  4. Secured loans carry inherent risks.
How to Apply for UBA Loan:

If you’re eager to apply for a UBA loan, there are several avenues to explore:

  1. Complete the UBA Online consumer loan application form in PDF format and submit it to the nearest UBA branch.
  2. Utilize the convenient UBA USSD Code, which we will discuss in detail shortly.

Should you have any queries about these loan options or require guidance on getting your loan application approved, feel free to visit a UBA branch or contact their customer service representative for expert assistance.

UBA Loan Products, Features, and Requirements: United Bank for Africa offers an array of loan products catering to individuals, businesses, and corporate clients. Let’s delve into the specifics of these loan products, including their features and requirements:

  1. Personal Loan: UBA’s personal loan empowers salaried individuals to pursue their life goals, covering expenses such as medical bills, home improvements, or even funding a side business venture.

Features and Benefits:

  • Flexible repayment period of up to 60 months.
  • Attractive interest rates, subject to floating terms based on money market conditions.
  • One-off management fee of 1%.
  • Maximum loan amount of N10 million.
  • Access up to 50% of your debt service ratio (DSR).


  • Eligibility requires available savings or a current salary account.
  • Valid means of identification, such as an international passport, national driver’s license, national ID card, or voter’s card.
  • An undertaking from the customer’s employer to domicile their salary with UBA.
  • A duly accepted offer letter or employee inquiry form.
  • Copy of the customer’s staff ID.

How to Apply: Complete the application form and submit it at any UBA branch, ensuring all required supporting documents are included. Upon approval, you’ll receive an offer letter outlining the loan terms and requirements. Once accepted, the funds will be disbursed to your UBA-held salary account.

  1. Working Capital Loan: UBA’s Working Capital loan assists business owners in managing cash flow and expanding their operations, providing access to up to ₦50 million.

Features and Benefits:

  • Maximum loan amount of ₦50 million, repayable over 12 months.
  • Special interest rates for women-owned businesses.
  • Options for overdraft or term loan.


  • Business must be registered for at least one year.
  • Banking relationship with UBA for at least three months.
  1. Health Loans: UBA Healthcare Loans support healthcare businesses, including hospitals, pharmacies, medical laboratories, and dental clinics. The loans facilitate expansion, equipment purchases, and efficient cash flow management.

Features and Benefits:

  • Short-term financing of up to ₦5 million, repayable within 12 months.
  • Access up to ₦50 million for property expansion and asset acquisition, with a maximum repayment period of 36 months.


  • Business registration for at least one year.
  • Banking relationship with UBA for at least three months.
  • Regulatory approval and licensing.
  1. School Loan: UBA’s School Loan suite offers medium- to long-term financing solutions for privately-owned registered schools. This includes short-term loans, asset finance loans, and mortgages to support school operations and growth.

Features and Benefits:

  • Access up to ₦5 million for short-term loans, repayable over 12 months.
  • Maximum of ₦20 million for asset and equipment purchases, repayable over 36 months.
  • Financing for property expansion and asset acquisition with a 36-month repayment period.


  • School operation for at least two years.
  • Banking relationship with UBA for at least three months.
  • Government approval and regulatory authorization.
  1. Loans for Senior Citizens: UBA Senior Citizens Loan caters to pensioners aged between 55 and 70, offering up to N10 million to support retirement projects, travel goals, and financial needs.

Features and Benefits:

  • Convenient 36-month repayment period.
  • Attractive interest rates.
  • Credit Life Insurance policy covering death, permanent disability, and critical illnesses, with a premium of 1.6% of the loan amount.


  • Active UBA account.
  • Pension identification number.
  • Minimum net pension fund of N100,000 per month.
  • Age between 55 and 70 years.
  • Valid Nigerian ID.
UBA Loan Interest Rate:

UBA offers a diverse range of loan products, each with its unique interest rate. Interest rates typically range from 19% to 30% per annum, depending on the specific loan product and prevailing market conditions.

UBA Loan Calculator:

To estimate your UBA loan payment, you can use the UBA loan calculator, a web app that helps determine your monthly payments, total payments, and total interest payments based on the loan amount, interest rates, and loan duration.

UBA USSD Code for Loan:

Applying for a UBA loan has never been easier. You can use the UBA USSD Code, 91928#, to conveniently initiate your loan application process.

UBA Loan Customer Care Contact Details:

Should you need to get in touch with UBA’s customer care for inquiries or assistance, here are their contact details:

Head Office Address: 57, Marina, Lagos Island, Lagos State.

UBA Nigeria Contact Numbers (CFC):

  • (+234) 01-2808822 (2808UBA)
  • (+234) 01-6319822
  • (+234) 07002255-822 (0700-CALL-UBA)

Email: cfc@ubagroup.com

Frequently Asked Questions (FAQs):
  1. Can a student get a loan from UBA?
    • Yes, UBA offers student loans to those in need of financial support for their education.
  2. Does UBA bank give loans to their customers?
    • Yes, UBA extends loans to customers who have actively transacted with them and have maintained a UBA account as their salary account for at least 3 months.
  3. Can I borrow money from UBA without a salary account?
    • No, eligibility for UBA loans requires your UBA account to serve as your salary account for at least 3 months.
Bottom Line:

A UBA loan can be a valuable resource for those seeking financial assistance. UBA’s reputation as a dependable lender, coupled with competitive interest rates and flexible repayment options, makes it an attractive choice.

However, it’s crucial to assess your financial situation carefully and borrow only what you can comfortably repay. Additionally, thoroughly review and understand the terms and conditions of the loan agreement before proceeding with your application.

In conclusion, UBA loans offer a gateway to realizing your aspirations and financial goals, whether personal or business-related. With the convenience of the UBA USSD code for loan application, accessing financial support has never been more straightforward.

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