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Must Knows

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A must know section for anyone lending through our platform.

  • How do I give permissions to Umba on my phone?
  • Why do you need permission for my phone?
  • Why does umba need my ID details?
  • Can I trust umba with my data?
  • What is a Credit Reference Bureau?
  • Can I request to repay my loan at a later date?
  • What will happen if I miss my repayment?
  • What happens if I overpay my loan?
  • Is there a monthly repayment option?
  • Where can I see my repayment schedule?
  • Can I repay with one payment at the end of the loan term?
  • How can I repay my loan?
  • How fast will my loan size increase?
  • Will my loan size increase everytime I repay?
  • What interest rate does Umba loan service charge?
  • What's the largest amount I can take?
  • Can I apply for a higher amount than shown?
  • How do you determine my loan offers?
  • How much can I borrow?
  • How do I apply for a loan?
  • What if someone else applied with my phone?
  • How can I increase my chance of being accepted?
  • How long does the application process take?
  • Why was I rejected for a loan?
  • How does umba make a lending decision?
  • What is required to receive an umba loan?
  • Can I change my national ID number/BVN after I receive a loan?
  • Which networks does umba support?
  • How do I get the latest version of the app?
  • In which countries does umba operate?
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