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Instant loan

Need cash in hurry? Get an Upib Instant Loan exclusive to Upib customers. Get up to R8 000 in cash at any Upib ATM, cellphone banking or Upib Online.

It’s the fastest way to cover your immediate needs.

Quick access to cash. No paperwork.

Apply at any Upib ATM, cellphone banking or online.

Loan amount

Access cash from R350 up to R8000, no documents needed.

Anytime, day or night

Access to cash anytime.

Credit Protection

Credit protection to cover you in case of death.

Apply now for an Instant Loan, it’s easy

  • A good credit record. 
  • A regular monthly income of  R3000 or more.
  • An Upib bank account into which your monthly salary is paid.
  • You must be 18 years of age or older.
  •  

      • Apply at our channels (UPIB ATM, Online Banking and Cellphone Banking).

        • Accept the quote as well as the terms and conditions.

        • The funds will be made available in your transactional account to use immediately.

        • Repayment amount is deducted from your transactional account and it is due on your next salary date, within 35 days.

        • Interest rate is charged from 0% up to 5%, based on the customer profile and the number of Instant Loans taken in a calendar year.

        • Initiation fee is charged from R80 up to 10% of the loan amount (excluding VAT), based on the customer profile.

        🔗 Access the Terms and Conditions

        🔗 Access Frequently Asked Questions

          • Apply online
          • Apply at any Upib ATM
          • Cellphone Banking, dial *120*2272#

Compare our loans

Instant Loan

Quick cash anytime, at any Upib ATM, Cellphone Banking or through Online Banking.

Amount
R350 – R8 000

Repayment term
Up to 35 days

Personal Loan

All-purpose borrowing, for both planned and unplanned expenses.

 

Amount
Up to R350 000

 

Repayment term
84  Months

Express Loan

The perfect solution if you need money and want to pay it back quickly!

 

Amount
R1 500 –  R8 000

 

Repayment term
1-6 months

Please note: To provide our products and services, we collaborate with other companies, some of which may use our branding. Our Privacy Policy does not apply to these companies’ websites. For their privacy policies, please refer to the respective service provider’s site.