UBA Personal Loan
PersonalFunctional salary account and last 6 months pay slip plus bank statement indicating salary inflows
28.5–32.0%
₦200k
6–60mo
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
28.5–32.0%
₦200k
6–60mo
Nigerian registered business
First Bank business account
—
₦500k
12–60mo
Phone number or Facebook account, ID number, and mobile money or bank account
36.0–99.0%
₦6k–₦1M
4–52mo
Nigerian registered business
UBA business account
—
₦500k
12–60mo
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
48.0%
₦100k
6–24mo
Nigerian registered business
Stanbic IBTC business account
—
₦1M
12–60mo
No collateral; smartphone app application
60.0%
₦1.5k–₦1M
3–12mo
Nigerian registered business
6+ months trading history
—
₦150k
1–12mo
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
20.0–28.0%
₦200k
6–60mo
Nigerian registered business
Access Bank business account
—
₦500k
6–60mo
No collateral; no guarantor; no paperwork
54–195%
₦2.5k–₦1M
3–12mo
Nigerian registered business
GTBank business account
—
₦1M
12–60mo
Kuda app account required; monthly installment repayment; no paperwork
30.0–108.0%
₦5k–₦250k
3–12mo
Nigerian registered business
Zenith Bank business account
—
₦1M
12–60mo
Monthly income of ₦1,000+; no collateral; no physical paperwork
24–456%
₦1.5k–₦5M
3–36mo
Digital application through the Renmoney app; identity and income checks may apply
25.44–31.8%
₦50k
3–24mo
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
35.4%
₦5k–₦5M
3–12mo