Life is full of surprises, and sometimes that means you need a little bit extra. That’s why you can apply for a Ubank loan. This loan is designed around your needs, and offers the following:

  • You can borrow any amount up to R80 000
  • You can choose flexible Personal Loan repayment options from 1 to 60 months
  • Risk based approach – the interest rate will be based on your credit profile
  • You can apply easily at any branch or by calling our Contact Centre
  • You can access your funds straight away from your Ubank account once your Personal Loan is approved

As long as you earn a salary, have a bank account and are between 18 and 65 years, you can apply for a Personal Loan. They will do a credit check to confirm that you have a healthy credit record and that you can afford the loan

You Will Need the Following for a Ubank Loan Application:

  • A green bar-coded identity book or South African passport
  • Latest original salary advice
  • Proof of physical address (not older than 3 months)
  • Your banking details and last 3 months’ banking statements (non-Ubank customers)
  • Two different contact numbers – one number for you and one for a relative
  • A list of your expenses
  • If you are married in community of property you will need to obtain written consent from your spouse

Here are a few guidelines to keep in mind:

  • Only borrow money if you are sure you can afford to make your repayments.
  • Only take a Personal Loan from a bank that you know or a registered micro lender. Registered lenders have rules that protect you!
  • Draw up a budget to see if you have a surplus or deficit amount left after paying all your expenses. Make use of the loan calculator to determine what it will cost you to take a loan. Do NOT sign a blank document given to you
  • Never pay any staff member cash in return for a quick Personal Loan