Personal > Loans Schemes > Overdrafts

The cash you need for your everyday personal needs!

Overdrafts financing your current personal needs. Be an overdraft account holder and enjoy more financial flexibility to meet those expenses that crop up unexpectedly.

Major characteristics:

  • Amount of limit is according to your individual borrowing needs and financial capabilities.
  • You can pay your utility bills (EAC, CYTA, etc) by direct debits.
  • 24 hour use of ATMs to access your account.
  • Monthly statement to monitor your account.
  • Very competitive interest rates.
  • Personal guarantees are usually obtained. Any other form of security may be obtained at the discretion of the Bank.

If you know the amount you would like, use your Loan Calculator


For more information on our products, please visit a USB Bank branch

Important credit information
Credit facilities are only available to persons aged 18 or over and all applications are subject to evaluation. Interest rates may vary.