UBA Click Credit Plus is an instant digital loan product designed for Nigerians seeking quick access to cash for emergencies or urgent needs. With the ability to borrow up to ₦200,000 and get approval in a matter of seconds, this loan offer is suitable for salaried and non-salaried customers with consistent account activity.

The interest rate ranges from 10% to 15% flat, along with a 1% management fee and a 1% insurance fee. The standard loan term is 30 days, and the approval process is fully automated for qualifying UBA account holders with at least 6 months’ consistent salary or deposit inflows. Importantly, the application process requires no paperwork, providing a hassle-free option for urgent financing.

Step-by-Step Guide: How to Apply for UBA Click Credit Plus

1. Dial *919*28# from your registered UBA phone number.
2. Follow the prompts to select the loan amount and confirm terms.
3. Await instant loan decision—approved funds are credited directly to your account.
4. Alternatively, send “Loan” to Leo on social media chat platforms enabled for UBA.
5. Repay the loan within 30 days to remain eligible for future offers.

Pros of UBA Click Credit Plus

The biggest advantage is its speed: you can get approved and receive your loan in under a minute, making it ideal for emergencies.

Another key benefit is its ease of use. There is no need for extensive documentation or visits to a bank branch, so customers can apply from anywhere at any time.

Cons of UBA Click Credit Plus

The loan is available only to customers who have an established banking relationship with UBA for at least six months, which excludes new customers.

Additionally, the relatively short loan term of 30 days and upfront fees may be a limitation for those seeking longer and more flexible repayment options.

Verdict: Is UBA Click Credit Plus Worth It?

For quick, hassle-free, and instant loan access, UBA Click Credit Plus stands out as a convenient choice. It is especially attractive for UBA customers facing urgent cash flow challenges.

However, prospective applicants should factor in the repayment term, fees, and eligibility conditions before making a decision. Overall, it is a solid short-term borrowing option for those who qualify.