UBA Click Credit Plus

UBA Click Credit Plus: Loan Amounts, Repayment Terms, and Interest Rates Explained

When a financial emergency strikes, waiting days for a bank approval is simply not an option. The UBA Click Credit Plus was built precisely for those moments, a fully digital, instant-disbursement loan from United Bank for Africa (UBA) that puts cash in your account within minutes, with zero collateral and zero paperwork. Whether you are a salaried employee or a small business owner with consistent UBA account transactions, this product could be the fastest bridge between your current need and your next paycheck.

In this guide, we break down exactly how much you can borrow, how long you have to repay, what fees to expect, and why the Click Credit Plus stands out in Nigeria’s increasingly competitive digital lending landscape.

Loan Amounts: Minimum and Maximum

The UBA Click Credit Plus is designed as a short-term credit facility, ideal for covering cash flow gaps rather than long-term financing. The loan parameters are clear and straightforward:

Parameter	Details
Minimum Loan Amount	₦5,000
Maximum Loan Amount	₦200,000
Maximum Repayment Period	30 days
Collateral Required	None
Guarantor Required	None
Disbursement	Instant — credited to your UBA account upon approval

The actual loan amount you qualify for is determined by your account activity, credit history, and for salaried customers, your verified monthly income. First-time borrowers often receive a lower initial limit that increases as they demonstrate consistent repayment behaviour. UBA’s system assesses your profile automatically, so there is no need for manual interviews or branch visits.

Repayment Terms: What You Need to Know

The Click Credit Plus is structured around a 30-day repayment cycle, making it a true payday loan product for short-term needs. When your repayment date arrives, UBA automatically deducts the total amount owed including fees, directly from your UBA account. There is no monthly instalment option; the full balance is due at the end of the agreed period.

Because the full loan plus fees must be repaid in 30 days, UBA recommends only borrowing what you are confident you can repay within a single salary cycle. Overborrowing is one of the most common reasons for late fees and credit score damage.

If repayment is not made by the due date, the following additional charges apply:

• A daily service charge of 0.5% on the outstanding balance begins accruing immediately after the due date.
• After a 7-day grace period, an additional 1% penalty charge is applied to the outstanding balance.

Interest Rates and Fees

UBA Click Credit Plus charges a flat service fee rather than a traditional monthly interest rate. This fee is applied upfront at the time of disbursement and deducted from the loan amount or added to the repayment total, depending on your profile:

Fee Type	Rate	Notes
Flat Service Fee	12% – 15% of loan amount	Applied upfront; varies based on credit profile and market conditions
Late Payment Daily Charge	0.5% per day on outstanding balance	Begins immediately after the due date
Late Payment Penalty	1% of outstanding balance	Applied after 7-day grace period expires
Processing Fee	Included in service fee	No separate processing charge

Why UBA Click Credit Plus Is Worth Considering

Benefit	Description	Impact
Instant Disbursement	Funds are credited to your UBA account within minutes of approval	Addresses urgent needs without delay ideal for medical bills, rent, or business stock
100% Digital Process	Apply via UBA Mobile App, LEO chatbot, or USSD *919*28# — no branch visit required	Saves time and removes geographical barriers for customers across Nigeria
No Collateral or Guarantor	Clean, unsecured loan with no asset pledge required	Accessible to salaried workers and small business owners without property to offer as security
Multiple Application Channels	Available through mobile app, WhatsApp/Facebook LEO, Instagram, Apple Messages, and USSD	Apply from any device, anywhere, at any time even without internet using USSD
Transparent Fee Structure	Flat service fee disclosed before acceptance; no hidden charges	Informed borrowing decisions with no surprises at repayment time
Builds Your UBA Credit Profile	Timely repayment improves your credit standing within UBA’s system	Unlocks higher loan limits and better terms on future applications
Flexible Eligibility	Open to salaried workers and non-salaried customers with consistent account activity	Broadens access beyond office employees to include traders and entrepreneurs

Know More

The UBA Click Credit Plus delivers on what it promises: a fast, frictionless way to access up to ₦200,000 when you need it most. The 30-day repayment window suits borrowers who are confident they can repay within a single income cycle, while the transparent flat fee structure removes any guesswork from the total cost of borrowing.

Combined with multiple access channels, including the UBA Mobile App, LEO chatbot, and USSD, this product is one of the most accessible instant loan options currently available through a major Nigerian commercial bank.