If you need ₦350,000 urgently to pay bills, cover school fees, handle medical expenses, or support your business, United Bank for Africa (UBA) offers loan facilities that eligible customers can apply for through its digital banking channels or the bank's regular loan application process.
One option is UBA Click Credit, a digital loan designed for eligible salary earners who receive their salaries through UBA. Another option is the UBA Personal Loan, which has a separate application process and may require supporting employment and income documents.
This guide explains how to apply for a ₦350,000 loan through UBA, the eligibility requirements, the available application methods, repayment considerations, and what to do if you do not receive an offer.
Can You Get a ₦350,000 Loan From UBA?
Yes. UBA's official information states that eligible customers can access Click Credit loans of up to ₦1 million, making ₦350,000 fall within the advertised maximum. However, your approved amount depends on your eligibility and the offer made available to you.
UBA also offers a Personal Loan with a published minimum of ₦200,000 and a maximum of ₦30 million, subject to the bank's terms and assessment.
These are different products. Click Credit is designed for eligible salary earners who receive their salaries through UBA, while the Personal Loan follows its own application and documentation requirements.
You should not assume that opening a UBA account automatically qualifies you for a ₦350,000 loan.
What Is UBA Click Credit?
UBA Click Credit is a digital loan facility that allows eligible customers to request a loan through the bank's electronic channels, including USSD, mobile banking, Internet Banking and LEO chat banking.
According to UBA's published FAQ, Click Credit offers:
A maximum advertised loan amount of ₦1 million.
A repayment period of up to 12 months.
An automated application process for eligible customers.
Access through supported digital banking channels.
Eligibility based on salary payments received through UBA for at least six months.
UBA's published FAQ lists an interest rate of 21% per annum, equivalent to 1.75% monthly. Confirm the current rate and full repayment terms displayed for your own offer before accepting, as loan terms may change.
Official information: https://roa.ubagroup.com/about-uba/help/faq/
Requirements for Applying for a ₦350,000 UBA Click Credit Loan
Before applying, check whether you meet the main eligibility conditions.
1. You need a UBA salary account. Click Credit is intended for salary earners who receive their monthly salary through UBA.
2. Your salary should have been paid into UBA for at least six months. UBA's published information identifies six months of salary inflows as an eligibility requirement.
3. You need to meet the bank's assessment criteria. The amount available to you may depend on your income, outstanding obligations, credit information and the bank's internal assessment.
4. Your banking details must be up to date. Use your registered phone number and the official UBA app or approved banking channels.
5. You must be able to repay the loan. Consider your essential expenses and other financial commitments before accepting any offer.
UBA's digital Click Credit facility is described as requiring no additional loan paperwork for eligible applicants. However, the separate UBA Personal Loan may require identification, payslips, bank statements and employment-related documents.
How to Apply for a ₦350,000 UBA Loan
Method 1: Apply Through the UBA USSD Code
UBA publishes *919*28# as the USSD code for Click Credit.
Follow these steps:
Use the phone number registered to your UBA account.
Dial *919*28#.
Follow the on-screen instructions for Click Credit.
Check whether the service identifies you as eligible.
Review the loan amount available to you.
If ₦350,000 is offered, check the interest rate, repayment period and total amount payable.
Accept the offer only if you understand the terms and can afford the repayments.
Follow the bank's authentication instructions and check for confirmation.
If the code does not work or Click Credit is unavailable to your account, use UBA's official support channels to confirm the current application procedure.
Method 2: Apply Through the UBA Mobile Banking App
You can also check for loan services through the official UBA mobile banking app.
Download or open the official UBA app from your phone's app store.
Sign in using your registered banking credentials.
Look for the loans or loan services section.
Select Click Credit if it is available.
Follow the prompts to check your eligibility.
Review the loan amount displayed by the bank.
If a ₦350,000 offer is available, read the repayment schedule and applicable charges.
Confirm your application using the approved authentication process.
Check your account and application status for the outcome.
The app's menu may change as UBA updates its digital banking services. If you cannot find Click Credit, contact the bank through its official channels rather than downloading an unofficial loan application.
Method 3: Apply Through UBA LEO or Internet Banking
UBA also identifies LEO chat banking and Internet Banking as channels through which eligible customers can access Click Credit.
To apply:
Open UBA's official Internet Banking service or use a verified LEO channel.
Sign in or follow the bank's verification process.
Look for Click Credit or the instant-loan option.
Follow the instructions to check your eligibility.
Review the amount offered and the repayment conditions.
Confirm the request only if the terms are suitable for your financial situation.
For LEO, use contact details published by UBA and verify that you are interacting with the bank's genuine account. Never disclose your password, PIN or one-time password to an agent.
What If You Do Not Qualify for Click Credit?
If you have not received your salary through UBA for six months or Click Credit does not appear in your digital banking profile, you can ask about the bank's Personal Loan.
UBA's official Personal Loan page lists a minimum loan amount of ₦200,000 and a maximum of ₦30 million, with repayment terms that may extend up to 60 months. Eligibility, interest rates and available amounts depend on the applicable product conditions.
The bank may require a completed loan application, valid identification, payslips, salary account statements and employment documentation. Its published eligibility conditions also refer to confirmed employment, a UBA salary account and an employer on the bank's approved list.
You can review the product and its application instructions here:
https://www.ubagroup.com/nigeria/personal-banking/loans-payments/personal-loan/
How Much Will You Repay on a ₦350,000 UBA Loan?
The amount you repay depends on the loan product, the interest rate, the repayment period, the method used to calculate interest and any applicable fees.
For illustration, if a ₦350,000 Click Credit loan carried a 21% annual rate calculated on the original principal for a full year, the simple interest would be ₦73,500, making the principal plus interest ₦423,500 before any additional charges.
This is only an illustration, not a confirmed UBA repayment quotation. Your actual repayment may differ because the bank's calculation method, repayment dates and approved terms determine the amount due.
Before accepting the loan, confirm:
The amount that will be credited to your account.
The interest rate and how it is calculated.
Your monthly instalment.
The full repayment amount.
The repayment period and due dates.
Any applicable fees, charges or late-payment consequences.
If the repayment will leave you unable to cover food, rent, transport or other essential needs, consider requesting a smaller amount or postponing the borrowing.
How Quickly Can UBA Disburse the Loan?
UBA describes Click Credit as an automated digital lending service for eligible customers. Its published FAQ states that eligible requests can be processed quickly without the usual paperwork associated with a conventional personal loan.
However, this does not guarantee that every applicant will receive money instantly. The outcome depends on eligibility, the application and the bank's confirmation.
After submitting your request, check for a confirmation message and verify whether the funds have reached your account. If the application remains pending or you encounter an error, contact UBA through its official customer service channels.
Do not pay an unofficial agent who promises to unlock your loan or guarantee approval.
Why Your UBA Loan Application May Be Declined
A loan request may be declined or a smaller amount offered for several reasons:
You have not received your salary through UBA for the required period.
Your salary account does not meet the product's eligibility requirements.
The bank's assessment does not support the amount requested.
You have outstanding debts or repayment obligations.
Your credit information affects the assessment.
The service is not available to your account at that time.
Your account information needs updating.
If you are declined, contact UBA to confirm which options are available to you. Avoid submitting multiple applications to unfamiliar lenders simply because one bank has not approved your request.
Safety Tips When Applying for a UBA Loan
Apply through the official UBA app, the published USSD code, Internet Banking or a verified LEO channel. Be careful with social media advertisements claiming to offer guaranteed ₦350,000 loans in exchange for a processing or activation fee.
Never share your PIN, password or one-time password with someone claiming to be a bank representative. Do not transfer money to a personal account to secure approval.
Also, remember that a loan must be repaid with any applicable interest and charges. Read the terms carefully and borrow only an amount you can realistically repay.
Related ARticle: Gtbank Loan App: How to Apply for Urgent 450k Loan on Gtbank
Frequently Asked Questions (FAQs)
What is the USSD code for a UBA Click Credit loan?
UBA publishes *919*28# as the USSD code for Click Credit. Dial it from your registered phone number and follow the prompts to check your eligibility and available offer.
Can I get a ₦350,000 loan from UBA?
Potentially, yes. ₦350,000 is below UBA's advertised Click Credit maximum of ₦1 million. However, the amount you receive depends on your eligibility and the offer made available to you.
How long must I receive my salary through UBA before applying for Click Credit?
UBA's published FAQ states that eligible customers must have received their salary through UBA for at least six months. Other eligibility conditions may also apply.
What is the maximum amount I can borrow through UBA Click Credit?
UBA's published FAQ lists a maximum Click Credit amount of ₦1 million, with a repayment period of up to 12 months. Your individual limit may be lower.
Can I apply for a UBA loan if Click Credit is unavailable to me?
You can contact UBA to ask about its separate Personal Loan product. That product has different eligibility criteria and may require employment documents, payslips, and bank statements. Approval depends on the bank's assessment.
Conclusion
UBA offers eligible salary earners access to Click Credit through its digital banking channels. If you need a ₦350,000 loan, start by dialling *919*28# or checking the official UBA app to see whether Click Credit is available to you.
UBA also offers a separate Personal Loan for eligible applicants who may need to complete a more detailed application. Whichever route you choose, confirm your eligibility, interest rate, and full repayment obligation before accepting an offer. Approval and disbursement are not guaranteed.