How to Apply for UBA Click Credit Plus
How to Apply for UBA Click Credit Plus: Requirements, Steps and Contact Channels
Need cash fast? The UBA Click Credit Plus from United Bank for Africa is one of the quickest ways to access up to ₦200,000 without visiting a branch, filling in paper forms or providing collateral. In this tutorial, we walk you through every step of the application process, from checking your eligibility to receiving the funds in your account so you can apply with total confidence.
Who Qualifies? Eligibility Requirements
Before you apply, confirm that you meet UBA’s eligibility criteria. The good news is that both salary earners and self-employed individuals with consistent UBA account activity can qualify.
- Hold an active current or savings account with UBA.
- Be between 18 and 60 years old with a valid BVN linked to your account.
- Have no outstanding unpaid loans with UBA or any other financial institution.
- Salaried applicants: Salary must be domiciled with UBA with consistent inflows for at least 6 months. Minimum monthly salary of ₦25,000 – ₦50,000.
- Non-salaried applicants: Must have banked with UBA for at least 6 months with regular monthly deposits over the last 12 months.
No physical documents are required. UBA verifies your eligibility automatically by analysing your account history and BVN data in real time.
How to Apply: Step-by-Step
UBA offers three digital channels for applying. Choose the one that fits your situation best.
Option 1 — UBA Mobile App
- Download the UBA Mobile App from the Google Play Store or Apple App Store.
- Log in with your username and password (or biometric authentication).
- Tap “Loans” from the main menu.
- Select “Click Credit Plus”.
- Enter the amount you wish to borrow (up to ₦200,000).
- Review the terms, fees and repayment date, then accept.
- Confirm with your transaction PIN.
- Funds are credited to your account instantly upon approval.
Option 2 — USSD Code (No Internet Needed)
- Dial *919*28# from the phone number registered to your UBA account.
- Follow the on-screen prompts to select Click Credit Plus.
- Enter your desired loan amount.
- Confirm with your PIN — funds arrive instantly if approved.
The USSD option works on any mobile phone, smartphone or not on all major Nigerian networks (MTN, Airtel, Glo, 9mobile), 24 hours a day.
Option 3 — LEO Chatbot
- Open WhatsApp, Facebook Messenger, Instagram DM, Apple Messages or Google Business Chat.
- Send the word “Loan” to UBA’s LEO chatbot.
- Follow LEO’s prompts to select Click Credit Plus and complete the application.
Contact Channels
| Channel | Details |
|---|---|
| 📞 Customer Care | 07002255822 / +234-1-631-2999 |
| 💬 WhatsApp (LEO) | Send “Loan” to UBA on WhatsApp |
| [email protected] | |
| 📲 USSD | *919*28# — available 24/7 |
| 🌐 Website | ubagroup.com/nigeria |
Frequently Asked Questions
Can I apply if my salary is paid into another bank?
No. For salaried customers, the Click Credit Plus requires your salary to be domiciled with UBA for at least six months. If your employer pays into a different bank, you would need to either redirect your salary to UBA or apply as a non-salaried customer, which requires six months of consistent UBA account deposits. You can open a UBA account instantly by dialling *919*20#.
How long does it take to receive the money?
Approved applicants receive funds within minutes of completing the application, regardless of whether they use the mobile app, USSD, or LEO. The process is fully automated, so there is no manual review queue. The only scenario that could cause a delay is if your account requires additional verification due to unusual activity.
What happens if I cannot repay on time?
The full balance is due within 30 days. If you miss the repayment date, UBA applies a 0.5% daily charge on the outstanding balance, plus an additional 1% penalty after a 7-day grace period.
Conclusion…
The UBA Click Credit Plus is one of the most accessible short-term loan products in Nigeria today. With three simple application channels app, USSD and LEO; and instant disbursement of up to ₦200,000, it is built for moments when time matters. If you are already a UBA customer with a clean credit record and consistent account activity, getting started takes under five minutes. Dial *919*28# or open the UBA Mobile App and apply today.
See on the bank’s website
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