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Here’s a comprehensive guide on how to borrow money from UBA bank using codes
How To Borrow Money From UBA Bank, Code Stuck in a cash crunch? Borrow up to ₦5 million instantly from UBA with just a code! This guide explains how to use Click Credit via USSD, Leo, or the UBA app, eligibility requirements, and more. Get the funds you need quickly and easily.
Understanding UBA Loan Options
- Click Credit: A quick loan accessible via USSD code, mobile app, or messaging Leo, UBA’s virtual assistant. Offers up to ₦5 million with flexible repayment terms.
- Personal Loan: For salary earners, providing up to ₦50 million with longer repayment periods. The application requires visiting a branch.
- Other Loan Products: UBA offers various loans for businesses, education, asset financing, and more.
How To Apply For A UBA Loan
| UBA Bank | Code |
| Open a new UBA account | *919*3*Account number*Amount# |
| Transfer to other accounts | *919*4*Account Number# |
| Transfer to Uba account | *919*20# |
| Buy data for self | *919*14# |
| Buy data for others | *919*14* person’s Phone number# |
| Airtime for self | *919*Amount# |
| Airtime for others | *919*Phone number*Amount# |
| Pay bills | *919*5# |
| Check Balance | *919*00# |
| Uba prepaid card | *919*32# |
| Retrieve BVN | *919*18# |
| Block debit card | *919*10# |
| ATM cardless withdrawals | *919*30*Amount# |
| Generate OTP | *919*8# |
| Self-enrollment registration | *919*0# |
| Get Bank statements | *919*21# |
| Data top-up | *919*23# |
| Taxes and Levies | *919*13# |
| Bet9ja wallet funding | *919*22*walletID*amount# |
| Top up LLC e-tag | *919*16*2# |
| Check LLC e-tag balance | *919*16*1# |
| Konga payment | *919*15*RefID# |
| Dstv and Gotv payment | *919*5*2# |
| Oak pensions | *919*27*2# |
| ARM pensions | *919*27*1# |
To initiate a UBA loan application:
- Visit the UBA website by navigating to www.ubagroup.com/nigeria/loans-payments/.
- Download the loan application form, meticulously complete the specified requirements, and proceed to the nearest UBA branch.
- Seek assistance from the customer care agent during this process.
Steps to Borrow Money Using Codes
1. Click Credit:
a. Using USSD Code: 1. Dial *919*28# on your registered phone number. 2. Select “Click Credit.” 3. Choose “Apply for Loan.” 4. Enter your desired loan amount. 5. Confirm details and accept terms. 6. Receive a loan offer SMS. 7. Reply “YES” to accept the offer. 8. Funds will be disbursed to your account instantly.
b. Using Leo: 1. Send “Loan” to Leo on WhatsApp, Facebook Messenger, or other supported platforms. 2. Select “Click Credit.” 3. Follow the prompts to apply and receive funds.
c. Using Mobile App: 1. Log in to the UBA Mobile App. 2. Navigate to “Click Credit.” 3. Follow the prompts to apply and receive funds.
2. Personal Loan:
- 1. Visit a UBA branch with the required documents (payslip, bank statement, employer letter).
- 2. Complete a loan application form.
- 3. The loan officer will assess eligibility and process the application.
- 4. Upon approval, sign an offer letter outlining terms and conditions.
- 5. Loan will be disbursed into your salary account within 48 hours.
Eligibility and Requirements
- Click Credit:
- Active UBA account for at least 6 months.
- Consistent account activity with regular deposits.
- Good credit history.
- Personal Loan:
- Salary account with UBA for at least 6 months.
- Minimum monthly salary inflow of ₦100,000.
- Employment letter from your company.
Interest Rates and Repayment
- Interest rates vary depending on the loan product and individual factors.
- Click Credit typically has higher interest rates due to its quick and convenient nature.
- Repayment is usually through monthly installments deducted from your account.
- Early repayment options may be available.
Additional Information
- Loan approval is subject to UBA’s credit assessment policies.
- Ensure you understand the terms and conditions before accepting a loan.
- Use borrowed funds responsibly and make timely repayments to maintain a good credit history.
- Contact UBA customer care for further assistance: +234 1 280 8822
Important Considerations
- Borrow only what you can afford to repay.
- Compare interest rates and terms from different lenders before deciding.
- Use loans for productive purposes that will generate income or improve your financial situation.
- Avoid borrowing for unnecessary expenses or impulse purchases.
- Manage your debt wisely to avoid financial hardship.
FAQs about Borrowing Money from UBA Bank
1. What are my loan options through UBA Bank?
UBA offers Click Credit, a quick loan accessible via USSD, a mobile app, or Leo (their virtual assistant). They also have Personal Loans for salaried individuals requiring a longer repayment period and potentially higher loan amounts.
2. How can I apply for a Click Credit with UBA?
There are three ways to apply for a Click Credit:
- Dial 91928# on your registered phone number and follow the prompts.
- Send “Loan” to Leo on WhatsApp, Facebook Messenger, or other supported platforms and follow the prompts.
- Log in to the UBA Mobile App, navigate to “Click Credit,” and follow the prompts.
3. What are the eligibility requirements for a Click Credit?
- You need an active UBA account for at least 6 months.
- Consistent account activity with regular deposits is preferred.
- A good credit history increases your chances of approval.
4. How can I apply for a Personal Loan with UBA?
For a Personal Loan, you’ll need to visit a UBA branch with documents like payslips, bank statements, and an employer letter. The loan officer will assess your eligibility and process the application.
5. What are the eligibility requirements for a Personal Loan?
- You need a salary account with UBA for at least 6 months.
- Your monthly salary inflow must be at least N100,000.
- You’ll need an employment letter from your company.
6. What are some important things to consider before borrowing from UBA?
- Only borrow what you can afford to repay.
- Compare interest rates and terms offered by different lenders.
- Use loan funds for productive purposes that will improve your financial situation.
- Avoid borrowing for unnecessary expenses.
- Manage your debt wisely to avoid financial hardship.
- Ensure you understand the loan terms and conditions before accepting the offer.
7. How can I contact UBA for further information?
You can call UBA customer care at +234 1 280 8822 for further assistance.
Conclusion
this article provides a comprehensive guide on borrowing money from UBA bank, detailing various loan options such as Click Credit, Personal Loan, and others. It outlines the application processes using USSD, Leo, and the mobile app, along with eligibility requirements.
The article emphasizes responsible borrowing, suggests considering interest rates, and stresses the importance of understanding terms and conditions before accepting a loan. It concludes by encouraging users to use borrowed funds wisely and maintain good credit history through timely repayments.