UBA Click Credit Plus is a credible short-term loan option designed for Nigerians needing fast access to cash. Customers can receive as much as ₦200,000 almost instantly. The entire process takes less than a minute, with an accessible interest rate between 10–15% flat, plus small fees (1% management and 1% insurance). Borrowers are given a maximum of 30 days to repay, making it suitable for quick fixes to financial emergencies or sudden expenses.

Applicants must be between 18 and 60 years old, with either a salaried or active non-salaried UBA account. The account must demonstrate at least six months of consistent salary inflow or regular deposits. Furthermore, there’s no requirement for paperwork or documentation, and eligibility is determined automatically.

How to Apply for UBA Click Credit Plus

1. Dial *919*28# from your registered mobile line.
2. Follow the USSD prompts and input your preferred loan amount.
3. Review the terms and conditions, including interest and fees.
4. If eligible, your account is credited in less than a minute.

Key Advantages

Consumers benefit from a fully digital application, making the process lightning fast. There’s also no paperwork involved, and eligibility is assessed with intelligent automation. This loan offers clear, flat interest rates upfront and low fees compared to many competitors.

Borrowers can access funds multiple times a month as long as existing loans are completely repaid, adding flexibility to the borrowing experience.

Potential Drawbacks

One downside may be the short loan tenure (30 days), which may not fit everyone’s needs. The loan is only available to customers with established UBA banking history.

Furthermore, there are 1% penalties for late repayments and a requirement for at least six months of salary inflows or deposit history, limiting new customers’ eligibility.

Our Verdict

UBA Click Credit Plus stands out for its fast processing, transparent terms, minimal documentation, and reliable support for urgent cash needs. If you meet the eligibility terms and can repay within 30 days, it is a solid option, especially when time matters.