Pearl Personal Unsecured Overdraft

This is an unsecured overdraft for self employed customers.


  • Maximum PTI of 50% of ascertainable income
  • Maximum overdraft amount of UGX 20M
  • Maximum repayment period of 3 months
  • Personal loan insurance protection against death/permanent disability
  • Available in both UGX and USD
  • Access to emergency funding at short notice

What you need to get started

  • Must be a pearl current account holder
  • Must be receiving business proceeds through the pearl account
  • 1 passport photo
  • Copy of valid Identification
  • CRB card
  • Housing Finance Bank statement for last 6 months

Visit a branch

Visit us at one of our many branches across Uganda.

Find a branch

Call us

Phone: +256 414 259 651
Phone: +256 414 259 652

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