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Ubank - description of the lender

Loan amount

R1000 - R180000

Loan term

3 - 72 months

Company

Dream big with a ubank loan of up to R180 000 payable over 72 months.

Affordability checks will be done to make sure you can afford the loan.

You can access your funds straight away from your ubank account.

Representative example

Loan amount: R10 000, Loan term: 24 months, Monthly Repayments: R696.76, Total Amount payable: R16 722.24, APR: 71.54%

Initiation fee charged at 16.50% for the first R1,000 and 10% of every thousand thereafter capped at R1,197 including VAT.

Monthly service fee of R68.40, VAT inclusive, included in monthly repayment of all loan applications.

Credit life assurance premium included in monthly repayment of all loan applications.

All fees and interest are NCA compliant.

Please note that this calculator should not be used for any other purpose except the assumptions provided based on your input. Ubank Limited does not warrant neither expressly nor impliedly, the accuracy, reliability or completeness of the calculations or formula provided. Ubank Limited shall not be liable for any loss or damage whether direct or indirect resulting from use of the calculators. You are requested to contact Ubank Limited directly for any calculations or assessments.

Max. APR: 1141.24 %

NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Age restriction

be between 18 and 65 years

Requirements

To apply you need to earn a salary, have a bank account and be between 18 and 65 years.

Documents required

- Latest original payslip
- Proof of physical address (not older than 3 months)
- Green bar-coded South African Identity Book, ID Smart Card or valid Passport with a valid work permit
- bank statements for the last 3 months (if not a ubank customer)

Registration number

FSP No.14740

Important information

Fees charged include:
- Initiation Fee
- Monthly Service Fee
- Credit Life Assurance Premium

Additional information

Phone: 086000 8322

Minimum loan amount
R500
Maximum loan amount
R150000
Minimum loan term
6 months
Maximum loan term
59 months
APR
9.8 - 21 %
Minimum age
18 years
Loan granting
Excellent
Online application
Apply now sapersonalloan...
Requirements:
  • - you must be at least 18 years old.
SApersonalloans.co.za is a free loan-finding service. Loan terms, conditions and policies vary by lender and applicant qualifications.
Representative example: Loan amount: R10 000, Loan term: 24 months, Installment: R484.87, Total amount payable: R11,636.80, APR: 15.0%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
Minimum loan amount
R1000
Maximum loan amount
R150000
Minimum loan term
12 months
Maximum loan term
60 months
Max. APR
28 %
Minimum age
18 years
Loan granting
Good
Online application
loanfindersa.c...
Requirements:
  • - at least 18 years of age;
  • - South African citizen;
  • - steady, monthly income of at least R1500;
  • - South African bank account;
  • - not under debt review;
  • - not filed for bankruptcy;
  • - are not under any debt restructuring programmes;
  • - have not declared as an insolvent; and/or are not under administration.
Loanfinder SA is a free loan-finding service. Loan terms, conditions and policies vary by lender and applicant qualifications.
Representative example: Loan amount: R10 000, Loan term: 24 months, Monthly service fee: R68.40, Total Amount payable: R17 208, APR: 28%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
Minimum loan amount
R1000
Maximum loan amount
R180000
Minimum loan term
3 months
Maximum loan term
72 months
APR
35.57 - 1141.24 %
Minimum age
18 years
Loan granting
Good
Online application
ubank.co.za
IMPORTANT:
  • - Initiation fee charged at 16.50% for the first R1,000 and 10% of every thousand thereafter capped at R1,197 including VAT;
  • - Monthly service fee of R68.40, VAT inclusive, included in monthly repayment of all loan applications.
Representative example: Loan amount: R10 000, Loan term: 24 months, Monthly Repayments: R696.76, Total Amount payable: R16 722.24, APR: 71.54%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
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