UBA loan Code: How to apply for UBA loan, requirement - Startuppreneur

UBA loan Code: How to apply for UBA loan, requirement

UBA bank is one of the bank in Nigeria that give urgent loan. With UBA loan you can get up to #1m naira loan without collateral or paper works and there are some loan that are upto #50m but these ones need collateral before you can access it.

I’m sure you know that UBA give loan what you want to know is UBA loan code and how to apply for the loan, all this and other information concerning uba loan will be dealt with in this article just stay tune.


Requirements for UBA loan

Before you can take a loan from UBA there are some requirements you need to meet which are

  • Be a Nigerian and recide in Nigeria
  • Have bank account with UBA
  • Have BVN
  • You must not have defaulted on any loan before.

Types of loan offer by UBA

UBA has many loan product there are some you can get on your phone with code while some you need to visit bank before you get them. These loan product are


UBA overdraft loan

UBA overdraft loan is targeted at people who needs money urgently. In this loan you can get a loan of up to #3m for six months, the interest rate is 5% per month you don’t need to provide collateral or paper work and the most interesting thing about the loan is that everybody can access it both the salary earner and non salary earner.

UBA personal loan

In UBA personal loan you can also take loan of upto #3m without collateral or paper work, it is just like overdraft, the only deference is that you obtain the loan at once not like overdraft where you can only take loan to buy something, you can withdraw all at once.
The interest rate is also 5% and the payback period can be upto 6 months.

UBA bank corporative loan

In this kind of koan you need to visit UBA bank branch before you can obtain it, it is targeted at company who want to expand their business.

The amount of loan a company can request for here can be more than #100m but it comes with collateral and guarantor.


UBA bank assets finance loan

This loan is targeted at people who want to buy asset such as generator, home appliances and others.

This loan can only be gotten from bank though it does not need a collateral, most time you need to have some percentage of the cost of asset you want to purchase for instance let say you want to buy a generator for #50,000 they might ask you to pay #10,000 before they will give you hye loan, this will show how serious you are.

UBA bank payday loan

Paday loan is targeted at salary earners who work in a reputable organisation, before you can obtain this loan you need to have a salary account with UBA for at least 6 months.

The loan is proportional to thee salary you are collecting per month which is mostly 50% for instance let say you are collecting #100,000 per month you will be eligible for #50,000 loan.

How to apply for UBA loan in Nigeria

There are many ways you can apply for UBA loan which are

  • Through mobile app
  • Through ussd code
  • Through WhatsApp

All this ways will be explain below

Apply for UBA loan using mobile app

Before you can use the mobile app you need to download it and register which is very simple.

Once you register, login.

On your dashboard locate “Credit’ click and follow the prompt it is simple, within 20 minutes of submitting application, your loan will be disbursed.

UBA loan USSD code

Another way to apply for UBA loan is through USSD code and it is one of the simplest method, you don’t need to visit bank just dial a code on your phone and you are good to go.

UBA loan USSD code is *919*28#. Once you dial it just follow prompt, it is easy to navigate.

Apply for UBA loan through WhatsApp

I know this is absurd, WhatsApp? yes you can get loan from UBA through WhatsApp.

Save this number in your phone +234 903 001 0007

Intimate a chat by sensing “LOAN”

You will be ask the amount of loan you want and other questions, like that you will get your loan.


Getting UBA loan is easy just follow the procedure above and you are good to go. When taking the loan please take what you can pay back don’t forget loan can send you back in life journey.

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