United Bank for Africa – online loan Nigeria
UBA Click Credit gives instant loans from ₦5,000 to ₦15 million via USSD (*919#) or the UBA mobile app. One of Africa's largest banks with operations in 20 countries.
Applying does not commit you to a loan agreement.
United Bank for Africa is one of the largest financial institutions in Africa, with branches in 20 countries. In Nigeria, its Click Credit product lets salary account holders access funds instantly via USSD code *919# or the UBA mobile app, without visiting a branch.
The product suits Nigerian salary earners who need cash quickly. Amounts range from ₦5,000 for small shortfalls up to ₦15 million for larger expenses. The maximum term for Click Credit is 12 months, so monthly repayments on bigger amounts can be significant.
Customers without a UBA salary account can still apply for personal loans through the branch network, though the process is longer and requires more documentation.
How Click Credit works
Dial *919# from your registered UBA line, select the loan option, enter the amount and preferred tenor, then confirm with your PIN. Approved funds arrive in your account within seconds. Repayment is automatic through salary debit on the next payment date.
✓ Pros
- Instant disbursement via *919# USSD
- No branch visit required for salary account holders
- Borrow up to ₦15 million
- Available on USSD, app and internet banking
- Repayment is automatic on payday
✗ Cons
- UBA salary account required for Click Credit
- Terms capped at 12 months for Click Credit
- Higher rates apply for non-salary borrowers
Loan requirements
- ✓ Active UBA account with regular salary deposits
- ✓ BVN
- ✓ Valid government-issued ID
- ✓ No outstanding loan arrears with UBA
Frequently asked questions
Instant (USSD) or 24 hours after submitting your application.
The minimum amount at United Bank for Africa is ₦5,000.
How to log in and sign up to United Bank for Africa
United Bank for Africa is used through its official app and website (www.ubagroup.com/ng). To sign up, download the official United Bank for Africa app or open its website, then register with the details requested — usually your phone number and BVN — and complete the short verification. To log in, open United Bank for Africa and sign in with the phone number or email you registered with. Never share your login code, OTP or PIN with anyone, and only use the official United Bank for Africa channels.
United Bank for Africa customer care and contact
For help with your account, repayments or complaints, contact United Bank for Africa through the support options inside the official app or on www.ubagroup.com/ng. United Bank for Africa is operated by United Bank for Africa PLC. Be cautious of anyone asking for an upfront "processing", "clearance" or "insurance" fee before disbursement — legitimate lenders deduct any fees from the loan, never before it. You can also compare United Bank for Africa with other lenders before you decide.