uab Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

uab Bank lends directly in Myanmar at 15%, offering fixed-rate personal and secured loans of MMK 10,000,000 over 36. It suits salaried borrowers with steady monthly income who want a single lender and a fixed rate, though 15% sits above the site median 12% and repayments stay short.

Key facts

Best for
Salaried Myanmar borrowers after a fixed-rate personal or secured loan from one direct lender.
APR
15% (Source, checked September 26, 2026)
Loan amount
MMK 10,000,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Salaried with minimum monthly salary MMK 250,000 or a permanent source of income; permanent employees need 2 years service; loan limited to 10 months gross income (Source, checked September 26, 2026)
Loan types
Personal, Secured (Source, checked September 26, 2026)
Legal entity
uab bank Limited (Source, checked September 26, 2026)
Headquarters
Myanmar (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
uab.com.mm

Apps and profiles

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Pros and cons

Pros

  • Lending is direct, at direct lender, so the bank that quotes the rate is the lender you repay.
  • Rates are fixed, and the schedule is set at 36 on personal and secured loans alike.
  • Loan sizes of MMK 10,000,000 sit well above the site median €876.96 for personal loans.
  • Support runs on phone, email and help centre, so questions go by phone, in writing or through the help centre.

Cons

  • 15% sits above the site median 12%, so borrowing here costs more than a typical listing.
  • Eligibility turns on pay: a minimum monthly salary or permanent income, a minimum service period for permanent staff, and a cap on gross income.
  • Repayments run over 36, shorter than the 48 typical in this category.
uab Bank

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Salaried staff, or anyone with a permanent source of income, who can meet the minimum salary and service rules.
  • Borrowers who want a fixed rate and a single repayment schedule on personal and secured loans.
  • People who prefer dealing with a direct lender rather than an intermediary.

Who should look elsewhere

  • Rate-first borrowers should look at Monzo Flex, which shows 10% to 23% against the 15% charged here.
  • Borrowers priced out by a flat rate may prefer Cashspace, where PHP 12 to PHP 36 starts below the 15% quoted here.
  • Applicants outside salaried work, since eligibility rests on a minimum monthly salary or permanent income, plus a minimum service period.

The company behind it

The lender is uab bank Limited, a bank headquartered in Myanmar and founded in 2010. The organisation that issues the loan also handles the customer relationship, and support runs on phone, email and help centre, so borrowers can reach a person by phone, in writing or through the help centre instead of an outside desk.

How uab Bank compares

Where uab Bank is available

Available
Myanmar

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a uab Bank personal loan?+

The rate is 15% and it is fixed, so the cost of borrowing does not move with the market while the loan runs. That sits above the site median 12%, so it is worth weighing cheaper direct lenders before applying.

How much can I borrow?+

Loans run to MMK 10,000,000, well above the site median €876.96 for personal loans. The real ceiling is income: eligibility rules limit the loan to a share of gross income and ask for a minimum monthly salary, so the headline figure marks a maximum rather than a starting point.

How long do I have to repay?+

Repayments run over 36, which is shorter than the 48 typical of the personal loan category. A shorter schedule means larger monthly payments on the same borrowing, so budget for the instalment rather than the headline amount.

Can I repay the loan early without a charge?+

Free early repayment is a no on these loans, so clearing the balance ahead of schedule carries a charge. That is the opposite of the 79.5% of personal lenders on the site that waive it, so ask for the early settlement figure in writing before you commit.

Who can apply for a uab Bank loan?+

Eligibility is written around income: you need to be salaried with a minimum monthly salary, or hold a permanent source of income, and permanent employees need a minimum service period. Borrowing is then limited to a share of gross income, which decides the amount on offer.

Does uab Bank lend directly or through a broker?+

It lends as direct lender, so you deal with the bank that issues the loan rather than a middleman. The same lender covers personal and secured lending, which means a personal loan and a secured loan can be arranged through a single provider.

How do I get help with my loan?+

Support runs on phone, email and help centre, so you can pick up the phone, send a written enquiry or work through the help centre. The bank behind the loan is uab bank Limited, based in Myanmar, so the organisation deciding the application is the one answering your questions.

Sources

  • uab.com.mm checked September 26, 2026

    Backs: Support channels

    “For enquiries, feedback and complaints, Contact Center: 09940005000”

  • uab.com.mm/about-us checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded in 2010, uab bank has grown rapidly, now serving an expanding customer base”

  • uab.com.mm/legal-notice checked September 26, 2026

    Backs: Legal entity

    “The term 'uab' or 'uab bank' refers to uab bank Limited.”

  • uab.com.mm/personal/loans/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Rate type, Term

    “Maximum Loan amount MMK 10 million.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

uab Bank

uab Bank

Salaried Myanmar borrowers after a fixed-rate personal or secured loan from one direct lender.

8.9/10See alternatives

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