Rating based on 6 reviews

uBank – Personal loans


  • Personal loans up to R180,000
  • Repayment up to 72 months

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uBank homepage

Author uBank. Screenshot of uBank website. [Accessed June 16, 2020]

About uBank

uBank has had the people’s needs and desires at the heart of its ideology since its inception, with our father company starting all the way back in 1975.

We began our company’s mission in providing for the mining community, and have since then extended our reach in supplying our services to a variety of communities, not only through our normal services, but through our outreach programs.

uBank – how we came to be who we are today

As we mentioned, uBank began its journey in 1975, as a company under a separate name altogether.

We were Teba Cash Finance Solutions, a company that was brought into being by the need in the poorer mining communities for safe and reliable personal loans and financial services.

We 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.

We could not then know how great our company would become over the years, as we took a second transformative step in the 1990’s.

The metamorphosis of TCFS into uBank

Teba Cash Finance Solutions was transformed into a commercial bank in the 1990’s, growing to supply services to a larger audience of clients.

After years of continued growth and success, we changed our name to uBank, realizing our company 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 our company has at its heart the main goal of helping South Africa’s people, in whatever way we can.

Finance is the way we continue to step forward for Africa’s people.

uBank Services

Just as we've succeeded in realizing our own dreams and purpose, we can help you realize and achieve your own goals.

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.

We offer loan packages of various sizes and terms, all tailor made to fit what you may need as an individual.

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.

We truly believe that each and every citizen of our country has the right to easily accessible financial help, and we do what we can to provide it.

uBank provides – And here's how we do it

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

We offer these amounts on a repayment term of 1 and 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 with us, and use it to make the most of their lives.

What can you use these funds for?

Well, anything you like! Once you are approved, your quick cash loan will be transferred into your account immediately – which means you could have same day access to your funds!

Aside from providing excellent services, we offer fast transfer of funds to your account, to ensure that your needs may be 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 us – as long as we 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 loan term stipulates.

uBank Product Details

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

Summary of Services

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

How uBank helps you realize your own dreams

With this many years of experience, we know what’s best for our clients, and how to help them get what they need.

Our 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 we primarily focus on clients in the gold and platinum mining industry, and the disadvantaged in our rural communities, our services are open to all. We've received glowing reviews from all our clients, across the country.

What we need from you to have access to our 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 have acquired 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 we will need to get you your approval.

Once you’ve done that, one of our dedicated and hardworking staff members will get to work on seeing which of our loan options you have access to.

Once this is done, your 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. We continue 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 Details

Physical Address

Postal Address

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

Opening Hours

  • not available