uBank – Personal bad credit loans

UBank has been providing basic financial services to mine workers and their families for more than 40 years.

Ever since UBank was established, we’ve managed to entrench ourselves primarily within the gold and platinum mining communities. We mainly offer our services in these selected mining and rural communities in South Africa.

We’re a trusted, local bank

Although we’ve been in the finance industry for many years, we’re still the bank you can trust to introduce the latest technology and security. This allows us to protect your information. It also allows us to give you excellent service. We’re a registered and authorized financial service provider that adheres to the terms and regulations of the NCA.

The uBank mandate

UBank has been providing hope, or rather, helping miners connect with their loved ones. Miners have long used uBank to send money to their families living in other towns and provinces. We’re still striving to remain the miners’ number one bank. And we also plan to service the broader working market in South Africa.

We strive to uplift the lives of South Africans

Ever since we started operating, we’ve been providing miners and working South Africans with affordable banking services. We strive to uplift the lives of our customers by:

• Maintaining our partnerships with the communities we serve
• Empowering and educating customers to help them achieve financial success
• Nurturing relationships that are built on listening, action, and communication
• Working on incorporating the principle of Ubuntu in all that we do

We offer services that can help you reach new heights.

uBank one of the few banks that constantly improve their services to ensure your banking and financial needs are fully met. Even those with poor credit histories are able to access personal loans for bad credit.

Apply for UBank personal loan

We’re a bank that wants nothing but to help people improve their lives. We can guarantee financial help for all those who need it. We can offer you a personal loan of up to R180 000, which you’ll have to repay in monthly installments of up to 72 months.

UBank loan is designed around your needs

Our experience has helped us become aware of the needs of our people. We also treat people with respect and kindness and strive to tailor our services to meet their individual needs.

Hence, we ensure that we give people loans that are tailored to accommodate their particular needs.

You can choose flexible repayment options from 1 to 72 months. Before giving you a quick cash loan, we’ll do the necessary affordability checks.

Things you should bring when applying for a UBank loan

When you need a loan from us, we don’t ask you for any unnecessary documents. We only need:

• A recent original payslip
• Proof of physical address, less than 3 months old
• A South African Identity Document or a valid Passport with a valid work permit
• To those who are not banking with UBank, we’ll need a bank statement for the last 3 months