Here are our credit facilities. Click on the titles to view the details;

Employee Privileges Loan (EPL)

EPL enables employees to source for unsecured loan facilities from us. Employees applying this facility need not have an account with uniBank. No guarantee is required for this facility. All uniBank requires is an undertaking from ones' employers to deduct repayments at source on monthly basis and pay to uniBank.

Benefits
- Enables beneficiaries to cater for their myriad needs
- Companies enjoy the goodwill of employees, their most important asset
- It is a free addition to the staff benefits package of companies
- Companies do not need to commit their cash resources through the granting of staff loans

Conditions
- The employee must be enjoying a minimum monthly salary of GHS50.00
- Interest is at uniBank's prime rate plus a margin determined by the bank
- Repayment is between a minimum of three (3) months to thirty-six (36) months.
- All uniBank requires is one's company undertaking to deduct repayments at source and pay to uniBank for the duration of the loan.
- Beneficiaries are required to take Credit Life Insurance cover. The bank will arrange this. The premium may be added to the Loan amount and amortized (on annuity basis) over the life of the loan.
- In the event that the beneficiary ceases to be an employee of the employer for any reason whatsoever, the employer shall advise the Bank of such termination.

Contact any of our branches and we would be pleased to assist you.

Overdraft

It is granted to customers whose businesses involve regular generation, lodgement and withdrawal of funds on daily or weekly basis. Specifically it is used to support working capital, i.e. for purchase of merchandise for sale, purchase of raw materials or intermediate inputs for further processing, payment of other operating expenses such as salaries and wages, utilities etc.

Business Loans

These are granted to customers whose businesses do not involve generation and lodgement of funds on daily to weekly basis. It can be used for the purchase of fixed assets such as plant and machinery, buildings, vehicles, payment for goods, payment of customs duties etc.

uniChurch

The uniBank Place-Of- Worship Loan Scheme
Traditional sources of raising funds for Church project is slow and getting more uncertain. But Church projects must go on even now, more than below ever before. And they must not take forever to finish! Hence uniChurch Credit!

What is uniChurch Credit?
uniChurch Credit is a loan facility that aims at assisting Churches with funds when most needed.
All members of the Christian Council of Ghana and the Association of Pentecostal and Charismatic Churches may qualify to this loan facility.

Purpose
To enable target to:

- Build - Chapel/Mission House/Church Hall/Auditorium
- Acquire Musical Instruments/ Generators/Vehicles
- Purchase Vehicles, Generators etc

Requirements
A Church applying for uniChurch Credit to:

- Construct a Chapel building must have existed as a congregation under the parent Church for four (4) years
- Acquire Musical Instruments must have existed as a congregation under the parent Church for three (3) years.

A Church applying must present

- Two (2) years historic Income and Expenditure Statement
- Cashflow statement evidencing ability of Church to service the loan
- Last three (3) months Bank statement must be provided

SME Loan

It is basically a facility for small and medium enterprises that need funding to replenish stocks, payment of customs duties, supply goods in normal course of business preferably against local purchase order (LPO).

Customer Segment
- Sole proprietorship
- Partnership
- Limited Liability Companies

Target Customers
- All classes of SMEs e.g. traders, manufactures, suppliers, artisans, etc...

Purpose
- Loan for business expansion
- Trade Finance
- Working Capital Finance
- To replenish stock
- Payment of custom duties

Benefits
- Free advisory services
- Opportunity attend one free business seminar every six months

Requirements - Application letter indicating;
- Amount required
- Type of facility,
- Purpose of facility (request for execution of contract/supply of items should be supported by relevant contract documents)
- Repayment period
- Security proposed

In the case of limited liability companies, the application should be supported by

- Directors Resolution to borrow
- Company and management profile
- Audited accounts for the past three (3) years for exiting companies or Statement of Affairs for start-ups
- Monthly cash flow projections for the period of the facility
- Title documents to assets proposed as security
- Any other relevant information

Terms and Conditions
- Has been registered and operated from an identifiable premises for at least one year.
- Has operated account with uniBank for at least three months
- Fees/Commission are arranged on this facility
- Choose how much to pay back each month
- You can make lump sum reductions at any time with no penalties
- Subject to normal credit checks

Contact any of our branches and we would be pleased to assist you.

Trade Finance

Import loan are granted for the importation of goods under our normal business loan facility. For customers who may not have any asset to offer as security, warehousing management arrangement can be made. Under this arrangement the goods will be under the dual control of our customer and a warehousing management company appointed by the bank. As and when specific payments are made towards the repayment of the loan, the goods are released on pro-rata basis until loan is repaid or the whole consignment is exhausted.

Letters of Credit

Letters of credit facilities are granted for the importation of goods either Sight L/C or Deferred L/C. Pre-shipment facility is available for customers in the export sector. The facility is granted preferably against a letter of credit.

Guarantees

Bid Bond - To support clients tender / bid for various contracts.

Performance Bond - provided as security for compliance with our customers' performance obligations in accordance with contracts that are awarded to them. Advance Payment Guarantee - To cover mobilization loans received for the execution of contracts.

uniCar Loan

In our desire to serve you better, uniBank has once again designed a facility to make your dream of car ownership a reality. We have a car ownership facility, uniCar Loan by which you can purchase a car of your choice and we finance the payment.

Features
- Be a customer of uniBank
- Must earn a minimum net salary of GHS 500.00 per month
- Must be a minimum of 21 years of age and not more than 60 years by which time the facility must have been fully paid.
- Must be a Ghanaian
- Non-citizens with valid work and residence permits – The tenor of the loan should fall within the tenor of work and residency permits.
- Minimum loan amount - GHS 5,000.00
- Maximum loan amount - GHS 25,000.00
- Motor vehicle should be for personal use
- Vehicle should not be more than 7 years from date of manufacture
- Valuation Report from State Transport Company (STC) for used cars
- Loan tenor 12-60 months
- Level of financing; 100%

To apply for uniCar Loan

- Fill a loan application form
- Provide pro-forma invoice
- Proof of employment and salary
- Provide proof of identity - Drivers License, Passport or Voters I.D.
- Vehicle's current road worthy certificate
- Car papers to be lodged with uniBank

Alternatively, please contact any of our branches as follows:

- Accra Main: +233-302-253696-9
- Apenkwa: +233-302-232228/255779/255769
- Makola: +233-302-684430/2
- Kaneshie: +233-302-679621
- Ashaiman: +233-22-308728 / 255779/69
- GIMPA: +233-302-403096 /7
- Kumasi: 051- 83314, 051-83315, 051-83322
- Spintex Road: +233-21-815898-9 / 815901-6
- Accra Mall: +233- 302-823072/ 823074-6
- Osu: +233-302-774102 777352 or 785614 or 783441
- Tema: +233 22 213699, 213601/602
- +233 -22 -213618-20, 213691/92/94

uniCar Loan; Own a car, drive in comfort.