UBA Quick Loan for Non Salary Earners 2024 [How to Apply]

  • November 19, 2023

Are you a non-salary earner in Nigeria? Do you need a quick loan to fund an emergency or take advantage of an opportunity? UBA quick loan for non salary earners is a great option to consider.

In this article, we’ll provide a comprehensive guide to the UBA loan for non-salary earners, including what it is, how to apply, and how to repay the loan.

That’s not all, you’ll also discover the features and benefits of the loan, its terms and conditions, eligibility criteria, and lots more.

So, without wasting time, let’s get started!

What is UBA Quick Loan?

UBA Quick loan is a quick and easy loan facility offered by United Bank for Africa (UBA) to help individuals and businesses meet their urgent financial needs. The loan is available to both salary and non-salary earners who meet the eligibility criteria.

UBA Quick loan is also known as personal loans, and are designed to be convenient, fast, and hassle-free, with minimal documentation required.

Read Also: 14 Reliable Loans with BVN Only

Features and Benefits of UBA Quick Loan

UBA Quick loan for non salary earners has several features and benefits that make it an attractive option for non-salary earners. These include:

  • loan amount: Non-salary earners can borrow up to N5 million, depending on their creditworthiness.
  • loan duration: UBA non salary earners loan has a repayment period of 6 to 12 months, depending on the amount borrowed.
  • Quick disbursement: UBA Quick loan for non salary earners is designed to be disbursed quickly, usually within 48 hours of loan approval.
  • No collateral required: UBA instant loan is an unsecured loan, which means that no collateral is required to secure the loan.
  • Competitive interest rates: UBA loans for non salary earners have a competitive interest rate, making it an affordable option for borrowers.
  • Convenience: UBA Quick loan can be accessed via the UBA mobile app or UBA USSD code, making it easy to apply and receive the loan without visiting a branch.
  • Minimal documentation: Non salary earners loan by UBA requires minimal documentation, which makes the loan application process faster and more straightforward.

Eligibility Criteria for Non-Salary Earners Loan By UBA

To be eligible for UBA instant loan as a non-salary earner in Nigeria, you must meet the following criteria:

  • You must be a Nigerian citizen or resident with a valid means of identification.
  • You must be between 18 and 55 years old.
  • You must have a functional bank account.
  • You must have a steady source of income, such as business income, rental income, or other verifiable income.
  • You must have a good credit score and credit history.

Read Also: How to Get a Car Loan in Nigeria

How to Apply for UBA Quick Loan for Salary Earners

UBA quick loan for non salary earners

Here are the steps to apply for UBA Quick loan for non-salary earners:

1. Download the UBA Mobile App

To apply for UBA loan for non salary earners, you need to download the UBA mobile app on your smartphone. The app is available on Google Play Store and Apple App Store.

2. Register and Login to the App

Once you have downloaded the app, register and log in using your UBA account number and any other required details.

3. Apply for UBA Quick loan

To apply for UBA Quick loans for non salary earners, navigate to the loans tab on the app and select “Credit.” Follow the prompts to provide the necessary information, including your loan amount, loan duration, and repayment method.

You can also apply for a non salary loan from UBA via a USSD code (Just keep reading to find out how).

Check Out: How to Apply for Federal Government Loan in Nigeria

4. Submit Your Application

Once you have provided all the required information, submit your application for processing.

5. Receive loan Disbursement

If your application is approved, you will receive the loan disbursement within 48 hours. The loan amount will be credited to your UBA account or any other bank account you provided during the loan application process.

UBA Loan Code for Salary Earners

The code for UBA non salary earners loan is *919*28#. After dialing, enter your personal details, followed by the loan amount you want to request, and select your preferred loan tenor.

Once all this is done, confirm your loan request and your loan will be processed.

Related: UBA Loan Code to Get Fast Loans

Repayment of UBA Non Salary Earners Quick Loan 

UBA instant loan for non salary earners has a repayment period of 6 to 12 months, depending on the loan amount and your agreement with UBA. Repayment can be made through several channels, including:

  • Direct debit: UBA can automatically deduct the loan repayment amount from your UBA account on the due date.
  • Online banking: You can also repay your UBA Quick loan through the UBA Internet banking platform.
  • Mobile banking: Repayment can also be made through the UBA mobile banking app.
  • Bank transfer: You can transfer money from any other bank account to repay your loan using the UBA loan code for non salary.
  • ATM: UBA non salary earners’ loan repayment can also be made through the UBA ATM network.

It is important to note that defaulting on your UBA Bank loan for non salary earners’ repayment can have serious consequences, including:

  • You may be charged a penalty fee for late payment of your loan.
  • Your credit score and credit history may be negatively affected if you default on your UBA Quick loan repayment.
  • UBA may take legal action against you if you default on your loan repayment.

See Also: Renmoney Loan Review & How to Apply

Tips for Managing UBA Quick Loan Repayment

To avoid defaulting on your UBA Quick loan repayment, here are some tips to help you manage your loan repayment effectively:

  • Before applying for UBA non salary earners loans, ensure that you have a clear plan for how you will repay the loan.
  • Create a budget that includes your loan repayment amount and ensure that you stick to it.
  • Make loan repayment a top priority and ensure that you pay on time to avoid late payment fees.
  • If you are experiencing any challenges with loan repayment, communicate with UBA to find a solution.


UBA Quick loan is a great option for non-salary earners who need quick access to funds. With its competitive interest rates, the convenient application process, and quick disbursement, UBA Quick loan for non salary earners is a reliable source of funds for emergencies or opportunities.

However, it is important to manage the loan repayment effectively to avoid defaulting on the loan. If you meet the eligibility criteria, download the UBA mobile app today to apply, or use the UBA loan code for non salary earners to access the funds you need.