UBA Personal Loan
Personal loans from United Bank for Africa with pan-African presence and competitive terms.
Last checked on July 17, 2026. We may earn a commission when you click through.
UBA Personal Loan offers competitive terms with a reputable bank, but eligibility is limited to customers with high credit scores.
UBA Personal Loan
Updated 20 days agoAPR Range
28.5–32.0%
Amount
₦200k
Term
6–60 months
Type
Personal
You'll be redirected to ubagroup.com
Our Verdict
UBA Personal Loan offers competitive terms with a reputable bank, but eligibility is limited to customers with high credit scores.
Best For
This loan is ideal for individuals with strong credit who need quick access to funds for personal expenses.
Watch Out
Borrowers should be cautious of high-interest rates that may apply if their credit does not meet UBA's standards.
Full Review
The UBA Personal Loan stands out for its competitive terms and the reliability of a pan-African bank. With a focus on high credit tiers, this loan is tailored for individuals with a solid credit history, making it a suitable choice for those who can meet the stringent requirements. The application process is relatively straightforward, and funds can be disbursed quickly, which is beneficial for urgent financial needs.
However, potential borrowers should be aware of the interest rates, which can be higher compared to other lenders if you don't meet their credit criteria. Additionally, while UBA boasts a wide network across Africa, those in rural areas might face challenges in accessing their services. Overall, if you have a good credit score and require a personal loan, UBA is worth considering, but be sure to compare with other lenders to ensure you're getting the best deal.
Requirements
- Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
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