UBA (Click Credit / personal loans) — review & details

In Personal loans · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

UBA's digital lending line for individuals. Click Credit Plus is pitched as instant cash with no paperwork and no collateral, while UBA's broader personal-loan range advertises amounts up to ₦30 million (per ubagroup.com) for salary earners. UBA is one of Nigeria's largest CBN-licensed commercial banks.

UBA (Click Credit / personal loans)

UBA's digital lending line for individuals. Click Credit Plus is pitched as instant cash with no paperwork and no collateral, while UBA's broader personal-loan range advertises amounts up to ₦30 million (per ubagroup.com) for salary earners. UBA is one of Nigeria's largest CBN-licensed commercial banks.
★★★★☆
4.0/5 · How we rate
Instant digital loan (Click Credit) and larger personal loans
Loan Type
Short for Click Credit; longer terms on standard personal loans
Tenor
Commercial bank (CBN-licensed)
Licence
Instant for Click Credit via app/USSD
Speed
UBA salary-account holders who want both quick cash and bigger structured loans in one bank
Best For
bank
Type
Pros
  • Backed by one of Nigeria's largest banks with nationwide branches
  • Click Credit needs no collateral or paperwork
  • The wider personal-loan range advertises up to ₦30 million for those who qualify, per UBA's site
Cons
  • UBA publishes very little pricing online — you only see the true cost at application, and instant credit in Nigeria is expensive
  • Best limits are reserved for customers whose salaries are domiciled with UBA
  • Product details are thin on the public pages; expect to complete a contact form or visit a branch for full terms
Fees, eligibility & documents
Fees
InterestNot published on UBA's product pages — quoted at application. Confirm the monthly rate and any fees on the live offer before accepting.
Eligibility
  • UBA account holder (salary domiciliation required for the larger personal loans)
  • Valid BVN
  • Limits set by salary and credit profile
Documents needed
  • No paperwork advertised for Click Credit
  • Standard personal loans: ID, proof of income and employment as requested
Visit UBA

How UBA (Click Credit / personal loans) compares in personal loans

UBA (Click Credit / personal loans) scores 4.0/5 in our personal loans rankings. Our current top pick is FairMoney (4.4/5). Always compare a few before you decide — see the full personal loans comparison.

UBA (Click Credit / personal loans)
4.0/5 · this page
 FairMoney
4.4/5
 GTBank (QuickCredit)
4.3/5
Loan Type Instant digital loan (Click Credit) and larger personal loans — Instant personal loan for GTBank customers
Tenor Short for Click Credit; longer terms on standard personal loans — Monthly instalments, up to about a year
Licence Commercial bank (CBN-licensed) CBN microfinance bank Product of Guaranty Trust Bank, a CBN-licensed commercial bank
Speed Instant for Click Credit via app/USSD — Minutes via USSD (*737*51*51#) or the app — no branch visit
Best For UBA salary-account holders who want both quick cash and bigger structured loans in one bank — Salary earners and active GTBank customers who want cheap credit
Visit UBA → Visit FairMoney → Visit GTBank →

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Details last checked: August 2026

Ratings are Rateweb's editorial opinion. Product details are checked periodically but can change — confirm current terms with the provider before acting. We may earn a commission from some links, at no cost to you.