Grow Your Farm with UBI Loans. Built for Farmers.
Get the credit you need to scale your harvest. From seeds to sales, UBI provides low-interest agricultural loans and easy account management at your fingertips.
The Farmer Account Essentials
Simple, secure, and built for growth. Access loans and manage your farm finances with the reliability of the earth.
Quick Loan Access
Get instant credit for seeds, fertilizers, and equipment. Our streamlined process ensures you get funds exactly when your farm needs them.
Low Interest Rates
We believe in your growth. Benefit from some of the most competitive agricultural loan rates in the market, tailored for small-scale farmers.
Flexible Repayment
Pay back your loans in alignment with your harvest cycles. We offer flexible terms that respect the seasonal nature of your work.
Your Complete Loan & Farm Partner.
Experience the future of agricultural finance. From instant credit and flexible repayments to specialized crop financing, UBI Account bridges the gap between modern banking and the heartbeat of the land.
Instant Agricultural Loans
Access credit for seeds, tools, and labor in minutes, not weeks.
Farm Account Management
Track your disbursements and manage your farm budget effortlessly.
Financial Power for All.
Daily Living
Send money, pay utilities, and manage your budget with zero hidden fees. Designed for speed in the urban bustle.
- Instant P2P Transfers
- Automated Bill Payments
Farm Management
Access input loans, market prices, and agent support even without an internet connection using USSD.
- Seasonal Input Loans
- USSD Offline Access
One platform. Every loan tool you need.
Farmer Credit Account
Access your agricultural loans and manage your repayment schedule with ease in one unified account.
Offline Credit
Apply for emergency loans even without internet. Full account access via *UBI# on any phone.
Seed Financing
Get specialized funding for high-yield seeds and fertilizers to maximize your harvest.
Fast Approvals
Receive loan approvals based on your farming history and community trust, not just bank records.
Group Savings
Join community 'Ajo' or 'Esusu' groups digitally with automated payouts.
Fund Your Farm
with Ease
The ultimate financial hub for the modern farmer. Manage your loans, buy essentials, and scale your production in one secure, high-velocity interface.
Loan Types
Equipment Financing
Modernize your farm with low-interest loans for tractors, sprayers, and irrigation systems. Fast approval and flexible terms.
Seed & Fertilizer
Get instant credit for high-yield seeds and fertilizers at the start of the planting season.
Livestock Credit
Expand your herd or poultry farm with specialized livestock financing options.
Storage Loans
Funding for silos and cold storage to help you wait for the best market prices.
Farmer Account
A dedicated account to manage your farm's income, loans, and expenses all in one place.
Ready to simplify your monthly routine?
From Seed to Sale. Simple Steps.
START IN UNDER 5 MINUTES
Register
Sign up with your Phone Number or BVN in the app or via an authorized UBI agent.
Apply
Select the loan type that fits your farm needs and submit a quick application.
Receive
Get funds disbursed directly into your UBI account once approved.
Harvest
Use the capital to grow your farm and repay in line with your harvest cycles.
Your Farm, Digitized.
Farmland Mapping
GPS-backed verification of your farm borders helps unlock larger insurance and loan opportunities.
Input Loans
Credit specifically for seeds, fertilizer, and equipment, repayable after harvest sales.
Local Agent Network
Over 50,000 agents in rural areas ready to help you cash in, cash out, or map your farm.
Trusted by 2M+ Users & Partner Banks
NDIC Insured
Your deposits are fully protected.
256-bit Encryption
Bank-grade security on every transaction.
Apply for your UBI loan today.
Scale your harvest tomorrow.
Join thousands of farmers growing their yields with the world's most accessible agricultural credit account.