AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
The short answer
UBA Click Credit is United Bank for Africa's digital loan, requested from UBA's own channels and lent by the bank itself, so the offer depends on your UBA account and salary history. We could not read Click Credit's eligibility rules on UBA's product page in October 2026 because the page loads its content by script, so confirm the amount, rate, tenor and conditions on the offer screen before you accept.
Click Credit is one of the best-known bank loans in Nigeria, and much of what is written about it online repeats launch-day figures that may no longer apply. This guide is careful about that. It explains how a bank's digital salary loan like Click Credit works, tells you exactly what we were and were not able to confirm from UBA, and gives you the questions that decide whether you qualify and what it costs.
What we could confirm
UBA has a Click Credit product page on its Nigerian website. When we opened it in October 2026 it returned no readable text to us, because the content is drawn in by script. We have therefore not quoted a limit, rate or age range for Click Credit; figures you see on blogs may be out of date. We also did not find UBA by name on the FCCPC's digital lender lists in October 2026. Banks are licensed and supervised by the CBN, and the FCCPC's consumer-protection rules still shape how loans are disclosed and recovered.
How a bank salary loan like Click Credit is judged
Bank digital loans in Nigeria usually draw on the account you already hold. Two other banks publish their criteria in detail, and they show the kind of tests to expect:
| Test | Sterling Bank payroll loan (published) | Stanbic IBTC personal loan (published) |
|---|---|---|
| Account history | At least 2 months, with 2 consecutive salary payments | Current or salary account held for at least 6 months |
| Income | Repayment no more than 33.3% of net pay | Minimum ₦20,000 a month |
| Age | Not above 65 at loan end | 18 to 59 |
| Employer | Employer category sets the maximum | Employer must be on an eligible list |
| Credit | Three favourable credit reports | Good credit record |
UBA's own tests may differ in every row. The useful lesson is that a bank will almost always look at how long your salary has been paid into it, whether the repayment fits your net pay, your credit bureau record and any loans you already have.
Why you may see no offer
- Your salary is paid into another bank, or has only recently moved to UBA.
- An existing loan, with UBA or elsewhere, already takes up your repayment capacity.
- A late payment or default shows on your credit report.
- Your employer is not on the list the bank uses for this product.
Our guide to why Click Credit says you are not eligible works through each reason.
Reading the cost of a Click Credit offer
Banks may quote a monthly rate, an annual rate, a management fee and insurance separately. Add them together. A labelled example, not UBA's price: ₦500,000 over 12 months at an example 2% a month flat costs ₦10,000 a month in interest, or ₦120,000 in total. Add an example 1% management fee (₦5,000) and 1% insurance (₦5,000), and the cost of credit is ₦130,000, so you repay ₦630,000. Spread evenly, that is ₦52,500 a month. If the bank uses a reducing balance, the interest part is lower. For third-party reports on Click Credit's price, see UBA Click Credit interest rate.
How Click Credit differs from a loan app
- Lender: UBA, a CBN-licensed bank, rather than an app company holding only an FCCPC approval.
- Who can apply: existing UBA customers, mostly with salary or regular income into UBA; loan apps take anyone with a BVN and bank account.
- Repayment: usually deducted from your UBA account when salary arrives, rather than a card debit or transfer.
- Data: your banking record with UBA instead of permissions on your phone.
- Tenor: bank salary loans tend to run for months, not weeks.
Steps to check before you accept
- Use only UBA's official app, internet banking or the USSD code shown in the app; do not dial codes sent by strangers.
- Read the amount, rate, fees, tenor and each repayment date on the offer.
- Check that the instalment leaves enough of your salary for rent, transport and food.
- Ask UBA whether early repayment carries a charge.
- Keep a screenshot of the accepted offer for your records.
Once you have the loan
Bank salary loans are normally repaid by deduction when your salary lands, so make sure the salary keeps arriving in the same UBA account. If you change jobs or your employer moves its payroll to another bank, tell UBA straight away: the deduction may fail, and late charges or a credit bureau report can follow. If money is tight, ask the bank about rescheduling before an instalment is missed rather than after.
For the application steps, read how to get UBA Click Credit. For a comparable salary loan, see GTBank QuickCredit.
Where Pryme fits
Pryme is not a bank. Loans on Spaces are lent by Solid Allianze Microfinance Bank and can be spent only with Spaces merchants; a limit may be offered from how you run your account, and the amount, cost and repayment date are shown for you to accept first.
Questions people ask
Who qualifies for UBA Click Credit?
UBA assesses its own customers, mainly on salary or income paid into UBA, credit history and existing debts. We could not read UBA's current eligibility list in October 2026, so check the offer screen.
Is UBA Click Credit only for salary earners?
It is generally aimed at customers with salary or regular income into UBA. Whether you see an offer depends on UBA's assessment of your account.
Why can't I see Click Credit offer on my UBA app?
Common reasons are salary paid elsewhere, a short history with UBA, an existing loan or a poor credit record. See our not-eligible guide.
Is UBA Click Credit a loan app?
No. It is a loan from United Bank for Africa, a CBN-licensed bank, offered through UBA's own app and channels.
Sources
- FCCPC: Approvals of DMLs (approval, conditional approval, watchlist, delisted and waiver lists) · accessed Oct 2026
- Sterling Bank: Loans (Specta, payroll lending, BSF, asset finance and home finance FAQs) · accessed Oct 2026
- Stanbic IBTC: Frequently asked questions, loans (personal loan and EZ Cash) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.