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.