Rating based on 12 reviews

Personal Loans offered by Ubank

Ubank banner
image of Ubank

About Ubank

One of the things that are quite rare among banks in South Africa is personal service.

If you're fed up of feeling like you're dealing with a program rather than an actual person than Ubank is the ideal lender for you. We will treat you with dignity, respect and professionalism at all times.

We offer long and short term credit

We offer long term and short-term cash loans to South Africans who pass our affordability checks as required by the National Credit Act. If you need to refurbish your house, buy a car or just need a little extra cash, we can help you with speed and efficacy.

What Ubank can offer you

Ubank offer personal loans of up to R180,000, everyday transactional accounts and a range of some of the highest interest rate savings accounts including our Eezisave and Flexi Deposit accounts designed to help you save for your future.

In addition, Ubank also offers affordable funeral plans with large payouts.

Our quick loans - designed for the everyday South African

We offer affordable fast credit loan at a variable interest rate that is linked to prime of between R1,000 and R180,000.

Customers can enjoy a flexible repayment term of up to 72 months for larger loan amounts - making our loans more affordable and budget friendly.

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 days

0 months

In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Early repayment

We're affordable, fast and convenient and is improving by the day

With such a simple and convenient service it's no wonder our customers recommend us to their friends and family!

We're affordable, fast and convenient and are improving by the day.

Online technology combined with great customer service

Applying for a personal cash loan with Ubank is very simple and quick since we combine online technology with a high level of customer service.

Our staff are highly experienced and are able to assist you with all of your queries regarding your loan application.

Requirements to apply for a loan with Ubank

To apply for a personal cash loan you must be 18, a South African Citizen and be employed on a full-time basis with a demonstratable income. You will be required to provide a copy of your ID, your 3-month bank statements, pay slips and a utility bill.

How long does it take Ubank to get back on loan applications?

One of our promises we have made for our clients is that we will never take longer than one business day to get back on their personal loan applications. This means if you have applied in the morning, you will get a response on the very same day.

We are aware that customers usually want to make use of the money right away so we don’t see any point of making our clients wait longer than one business day. If we can’t approve your personal loan application, we will give you reasons as to why we had to decline your credit request.

Affordability is mostly the reason why we can’t approve personal loan applications. If we see that you already have a lot on your plate, we will not add further credit pressure on your budget. The client is more than welcome to come back to us and apply at a later stage or when you have finished paying some of your loans.

Can I settle my personal loan earlier than the required date?

If you have money in your disposal and would like to pay for your personal loan sooner than the scheduled date, you are more than welcome to do so.

Eligibility & Requirements

  •  Over 18 but under 65
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Good credit history
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • PERSONAL Loans
  • BUSINESS Loans

Customer Reviews & Testimonials

September 2018

Ubank gave me the most affordable personal loan deal. I would recommend their services to anybody.

Richard B
— Port Elizabeth —

April 2019

I was able to apply for a personal loan through Ubank’s website and I didn’t encounter any hassles.

Dorothy H
— Vereeniging —

 Find us here

Shop 2, Super Spar Centre, Merriman Street, Eastern Cape
South Africa

 Opening hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed

 Get in contact

Similar Lenders offering Personal Loans

FNB Bank

FNB Bank

  • Interest from 10.5%
  • Loans up to R150,000
  • Term up to 60 months
View More
Cash Loans SA

Cash Loans SA

  • Interest from 28%
  • Loans up to R150,000
  • Term up to 60 months
View More
Vecto Finance

Vecto Finance

  • Interest from 26.9%
  • Loans up to R10,000
  • Term up to 12 months
View More
EC Loans

EC Loans

  • Interest from 28%
  • Loans up to R100,000
  • Term up to 84 months
View More