If you prefer to apply and negotiate the loan in person, you can go to one of the uBank branches closest to you. This bank has more than 40 branches across the country. Thus, it is very likely that there is one in your city. To locate a nearby branch, you can use the search tool on the bank’s official website. You can also request information by calling the bank’s customer service. Both South African citizens and legal foreigners can rely on this amazing service.

uBank has a policy of responsibility towards customers who wish to apply for its lending services. In this way, this bank usually analyzes the history and credit score to find out if a candidate is really able to pay the loan he is applying for without contracting large debts. Thus, having a credit score above 661 can increase your chances of getting a personal loan from that lender.

This is mandatory insurance offered by this bank to all customers applying for a loan. This service protects the borrower and his family from debt in situations where the loan cannot be repaid. This insurance will be triggered in case of permanent disability, involuntary dismissal, or death of the loan holder.