Rating based on 6 reviews


  • Personal loans up to R180,000
  • Competitive interest rates
  • Repayment up to 72 months

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uBank homepage
Author uBank. Screenshot of uBank website.
[Accessed December 8, 2022]

About uBank

uBank has had the people’s needs and desires at the heart of its ideology since its inception, with their father company dating back to 1975.

They began their company’s mission in providing for the mining community, and have since then extended their services and outreach programs to a variety of other communities.

uBank – how they came to be who they are today

As mentioned, uBank began its journey in 1975, as a company under a separate name altogether. They were Teba Cash Finance Solutions, a company that was brought into being by the need in the poorer mining communities for safe and reliable online personal loans and financial services.

They did just that, ensuring that these communities had safe places to keep their money, easy access to loans if need be, and many other essential services.

They could not then have known how great their company would become as they took a second transformative step in the 1990s.

The metamorphosis of TCFS into uBank

Teba Cash Finance Solutions was transformed into a commercial bank in the 1990s, growing to supply services to a larger audience of clients. After years of continued growth and success, they changed their name to uBank, realizing that their company's dream of becoming a bank centred around the ideologies of uBuntu.

This is a philosophy relating to humanity - an idea that means we must be as one, as a nation, and a people, completely undivided.

This idea means that the company has at its heart the main goal of helping South Africa’s people, in whatever way it can. Finance is the way uBank continues to bring new possibilities to Africa’s people.

uBank Services

Just as uBank has succeeded in realizing its own dreams and purpose, they can help you realize and achieve your own.

By providing a variety of financial services, and also through various personal loans, uBank can provide you with the means to really get the upper hand in life.

uBank provides – and here's how they do it

uBank focused on assisting rural and mining communities, and still does these days, with the inclusion of all other people wishing to use their services, no matter their background. With offers of any loan amount up to R180,000, they can surely provide you with what you need.

With fair rates, easy-to-pay instalments, and flexible repayment terms, uBank has a finance option for all pockets, no matter the shape or size. uBank truly believes that each and every citizen of our country has the right to easily accessible financial help, and they do what they can to provide it.

They offer these amounts on repayment terms of 1 to 72 months, whichever suits you best, at the end of the day. After a few simple affordability checks, anyone between the ages of 18 and 65 can take out a loan, and use it to make the most of their lives.

What can you use these funds for?

Well, anything you like! Once you're approved, your quick online loan will be transferred into your account immediately – which means you could have same-day access to your funds! Aside from providing excellent services, uBank offers a fast transfer of funds to your account, to ensure that your needs are met.

Whether you need those funds for a dire emergency, a new car, or a family holiday, how you use your money is of no concern to them – as long as they can get it to you fast, and easily. From there, all you'll be faced with are small, fair monthly repayments, that will last as long as your selected loan term.

uBank – Personal loan

  • Loan Type Personal loans
  • Loan Amount up to R180,000
  • Repayment 1 month to 72 months

Benefits of uBank

  • Borrow up to R180000
  • Apply for a loan online
  • Get competitive interest rates

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

How uBank helps you realise your dreams

With this many years of experience, uBank knows what’s best for their clients, and how to help them get what they need.

Their team of financiers are dedicated to assisting you with any needs and queries you may have, 24 hours a day, 7 days a week, 365 days a year.

While they primarily focus on clients in the gold and platinum mining industry, and the disadvantaged in rural communities, their services are open to all. They've received glowing reviews from all their clients, across the country.

What they need from you to have access to their services is a small set of easy-to-acquire things, and once you have these, you’ll be dancing all the way to the ATM.

Documents required to apply

  • Your RSA ID book
  • A recent proof of address (no more than 3 months old)
  • Your last payslip
  • A bank statement of the last 3 months' transactions

After you've gathered these four things, getting online and applying couldn’t be easier.

The application and loan payout process

Once you’re ready, you'll fill out a simple online loan application, with the details they'll need to get you your approval. Once you’ve done that, one of uBank's dedicated and hardworking staff members will get to work on seeing which of their loan options suit you.

Once this is done, your online personal loan will be in your account in a matter of hours! From there you'll be able to use it to your heart’s desire. uBank continues to uphold high standards of service for you, the people who need it the most.

Customer Reviews & Testimonials

September 2019

uBank really cares about my needs as an individual, I really felt well looked after by them during my time lending money from them. Thank you, uBank.

Peter T
— Cape Town —

July 2019

I always go with uBank’s easy to pay off short term loans, what more could I want in a lender?

Bertram T
— Peter T —

uBank Contact

Physical Address

Postal Address

  • Private Bag X 0030, Halfway House 1685, South Africa

Opening Hours

  • not available