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Personal Loan

Unlock Your Dreams with
Our Bank Loans

From asset loans to personal lines of credit, we have the right lending solutions to
meet your personal financial goals.

Personal Load

Featured Loan

Access immediate funds to fulfill your needs and aspirations, providing financial
flexibility and the ability to seize opportunities without delay
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Salary Advance Loan (SAL) Our salary advance loans are short-term loans, usually due on the borrower's next salary payday with quick approval.
Loan Benefits
Convenient Application ProcessThe application process is simple and can be completed online requiring minimal documentation.
Quick Access to FundsApproval on our Salary Advance Loans are quick, typically 24-48hrs
Simple Repayment Structure:Repayment is typically structured around the borrower's next payday, simplifying the repayment process.
Competitive rates and feesOur salary advance loan interest rates and fees are competitively low with no hidden charges.
Emergency Financial AssistanceSAL provides the required relief for emergency financial needs, such as unexpected domestic expenses like car repairs or home maintenance
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Home Equity Loans

Our home equity loans allow borrowers to use the equity in their homes as collateral to access funds, enjoy our competitive interest rates on secured loans.

Loan Benefits
Lower Interest RatesEnjoy our low interest rates home equity loans compared to other types of unsecured loans (such as personal loans or credit cards)
Convenient Application ProcessSimply apply by opening an account with us and follow the loan application process.
Lump Sum Access to FundsOur home equity loan give you access to a lump sum, which can be particularly useful if you need a significant amount of money at once. This is ideal for large expenses, such as home renovations, debt consolidation, or significant medical bills.
Fixed Interest RatesOur home equity loans come with fixed interest rates, providing predictability in monthly payments. This makes it easier for homeowners to budget, as the payment amounts remain consistent throughout the loan term.
Longer Repayment TermsOur home equity loans offers borrowers a longer repayment terms compared to other forms of borrowing, such as personal loans. This means the monthly payments can be lower, though it’s important to remember that a longer loan term may result in paying more interest over time.
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Joint Mortgage

Unlock homeownership together with our Joint Mortgage loan, combining incomes for a higher loan amount. Enjoy shared responsibilities and benefits, making the journey to your dream home a collaborative effort

Mortgage Benefits
Increased Borrowing Power

A joint mortgage allows the combined incomes of the applicants to be considered, increasing the borrowing capacity. This can make it easier to qualify for a larger loan amount, which is beneficial given the high property prices in major Nigerian cities like Lagos and Abuja.

Shared Financial Responsibility

Reduced Financial Burden: By pooling resources, joint mortgage holders share the responsibility of making monthly payments. This can ease the pressure on each individual, making the mortgage more affordable compared to a sole borrower taking on the entire payment burden.

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Personal Loan

If you have a current account with us, you can apply for a personal loan. Personal loans are simple way to borrow money at a rate that is personal to your individual financial circumstance. Apply today to enjoy our competitive interest rate.

Loan Benefits
No Collateral RequiredUnlock financial opportunities hassle-free with our no-collateral-required solutions on some types of unsecured loans. Enjoy the freedom to secure funds without pledging assets.
Short-Term SolutionAddress immediate financial needs with our short-term solution, offering quick relief without long-term commitments.
Quick Access to FundsExperience the ease of quick access to funds, providing immediate financial solutions at your fingertips. Whether it's an unexpected expense or an exciting opportunity.
Credit History Not Always a Decisive FactorWe consider the borrower's income and employment status more heavily than their credit history when approving a salary loan.
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Education Loan

Education loan can be used to finance the cost of undergraduate and post-graduate education. These loans can have fixed or variable interest rates depending on the individual circumstance.

Loan Benefits
Access to Higher Education

One of the primary benefits of our education loans is that they provide individuals with the financial means to pursue higher education, including college and university programs.

Flexible Repayment Options

Education loans often come with flexible repayment options, allowing borrowers to choose from various plans based on their financial situation. This can include income-driven repayment plans that adjust monthly payments based on income levels.

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Automobile Loan

Finance your next car purchase with our fixed interest auto loans. rate.

Loan Benefits
Vehicle OwnershipEnable you to purchase a vehicle without having to pay the full purchase price upfront. This makes vehicle ownership easily accessible with little or no down payment
Flexible Repayment TermsOur auto loan come with flexible repayment terms, allowing you to choose the loan duration that best fits your financial situation.
Fixed Interest Rates1UBank auto loans have fixed interest rates, providing you with predictability in your monthly payments. Fixed rates remain constant throughout the loan term, helping you with budgeting.
Low-Interest Rates for Qualifying BorrowersIndividuals with a good credit record may qualify for lower interest rates, making the overall cost of the loan more affordable.

Benefits of the salary advance loan

Capacity to empower individuals and businesses to achieve their objectives
by providing necessary financial support.

Quick Access to Funds:

Experience the ease of quick access to funds, providing immediate financial solutions at your fingertips. Whether it's an unexpected expense or an exciting opportunity.

Credit History Not Always a Decisive Factor:

Some lenders may consider the borrower's income and employment status more heavily than their credit history when approving a salary loan. This can make salary loans accessible to individuals with a less-than-perfect credit history.

No Collateral Required:

Unlock financial opportunities hassle-free with our no-collateral-required solutions. Enjoy the freedom to secure funds without pledging assets.

Predictable Repayments:

The fixed installment structure of salary loans makes it easier for borrowers to budget and plan for repayments since they know the exact amount that will be deducted from their salary each month.

Short-Term Solution:

Address immediate financial needs with our short-term solution, offering quick relief without long-term commitments.

Convenience:

The repayment of a salary loan is typically structured to be convenient for the borrower. The installments are deducted directly from the salary, reducing the hassle of manual payments

Loan Calculator

Financial tool that helps users estimate their potential loan payments based on various
factors such as loan amount, interest rate, and repayment period.
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0510152025303540

For a ₦ loan at 10% with a 12 month duration your weekly payment will be ₦0.00.