Loan Application



How can I improve my chances of getting a loan?

  • Ensure you are meeting your loan repayment agreements with other financial institutions (if you have other loans)
  • Carry out more transactions with us. You can do this by increasing your deposits and using our alternative channels (ATM, USSD, UnionMobile App, UnionOnline etc.)

To learn more, call us today on 012716816 or send an email to:

What are the benefits of taking a new loan after the existing one ends?

  • You become eligible for a 20% discount on interest rates and a 3 months’ tenure extension

Terms and conditions apply

Who is eligible for a loan?

  • A salary earner receiving a minimum of N15,000 monthly
  • A pensioner receiving a minimum pension of N10,000 monthly
  • A business owner

How can I apply for a loan?

For pre-approved customers

(Please note, you will be contacted if you have been pre-approved for a loan)

  • Simply log onto our online banking platform or Mobile App
  • Dial *826*41#

For all other customers

What benefits do I gain if I repay my loan without defaulting?

  • You are eligible for up to 3 months’ instalment refund when you repay on time

Terms and conditions apply

I am having issues meeting up with my loan repayments?

  • We can reschedule your loan to make your repayments easier

Call us today on 012716816 or send an email to:

Can I use my investment with UBN (fixed deposit or target savings product) to access quick cash?

  • Yes, you can. Get up to 80% of your investment as a cash-backed loan and enjoy flexible repayment options

Call us today on 012716816 or send an email to: