USSD Code For Loans In Nigeria



Quick Loans are becoming more popular in Nigeria. In the past, you'd have to do lots of paper works and also have collateral before any bank would even consider giving you a loan. But all that is gradually changing with the introduction of quick and instant loan services.

Most of the instant loan services do not even require that you physically go to the bank or have collateral. With just a click of a button, you can borrow money from your bank or other third party loan services and the money will be deposited into your bank account.

In this post, I will share the USSD code to get a  loan from the different loan services and banks in Nigeria.


See Also: Top 10 Best Loan Apps In Nigeria

Codes To Get Instant Loan In Nigeria

Below is a list of lenders that support instant loan services without collateral in Nigeria. And the USSD code for getting these loans.

KwikCash Loan Code

This loan services corporate with other banks and telecommunications networks to provide instant and automated loan to Nigerians.

To get a loan from Kwikcash, simply dial the USSD code *561#, From any mobile network and press 1 to select "Loan".

Requirement For Kwikcash Loan

  • Kwikcash requires that you meet certain requirements to get a loan from them. They include:
  • A Nigerian Bank Account that has been active for the last three months
  • A bank Verification Number (BVN)
  • A phone number that has been active in the last 3 months.
  • And lastly, you must be at least 18 years old.

FairMoney Loan Code

With this lender, you can get loans up to N500,000 both for personal and small businesses. The FairMoney app also allows you to pay bills and buy airtime and data at discount rates.

To get a loan from FairMoney, simply dial the USSD code *322*6#

Requirements For FairMoney Loan

  • Must be at least 18 years old
  • You must have a BVN
  • An Active Nigerian Bank Account

Glo Mobile Money Loan Code

Glo customers who have registered for Glo mobile Money Account or Mobile Wallet can access this loan.
Glo Mobile Money is also known as Glo Xchange. It is a service that allows Glo users to send and receive money with their phones, it effectively transforms your mobile phone into an electronic wallet. That can be used for financial transactions like funding, transfer, and withdrawal, including paying bills and buying of data and Airtime.
To get the Glo cash loan, simply dial the USSD Code *322*1*04225701*Amount #

Requirements For Glo Mobile Money

  • A Glo SIM
  • A mobile phone

AB Microfinance Bank

This is a foreign-owned financial institution that offers a wide range of financial services. Including providing loans to individuals and businesses. Although they are based in Lagos state, you do not need to go all the way to their office to get a loan.

To get a loan from AB Microfinance Bank Simply dial the USSD code *389*755#

Requirement For AB Microfinance Loan

  • Bank Account
  • BVN
  • Phone number

Access Bank loan Code

Access Bank is among the most successful banks in Nigeria. A USSD code was launch by the bank to allow customers access instant loan called "payday loan"
To get a payday loan from access bank, simply dial the USSD code *901*11#

Requirement For Access Bank Loan

  • Phone Number
  • BVN
  • Bank Account 

FCMB Loan Code

Provide investment banking services, retail banking, corporate banking, and other financial services.
The FastCash loan by FCMB, is an instant loan service that offers quick cash without the need for collateral in times of emergency
To apply for a loan from FCMB, dial the USSD code *329#.

Requirement For FCMB Loan

  • Phone Number
  • BVN
  • Bank Account Number

Airtel Mobile Money Loan Code

This loan was made possible as a result of the partnership between Airtel Money and the central bank of Nigeria. Essentially, customers can turn their mobile number into an electronic wallet. This wallet can be funded and use for other financial transaction like payment of goods and services, and withdrawn as cash.

This service also gives customers access to loan. To apply for Airtel loan simply dial *903# and follow the instruction.

Requirements for Airtel Mobile Money

  • Airtel SIM
  • Must be an Airtel Mobile Money subscriber

MTN Xtracash Loan code

This is a service by MTN that allow you access instant loan for MTN diamond Yellow Subscribers. loans from MTN xtraCash can be cash out or used to pay for goods and services like buying Airtime and data.

Requirements For MTN Xtracash

  • MTN SIM
  • Must be have an MTN yellow diamond account

USSD Codes For Nigerian Banks

Most Nigerian banks offer USSD code services that allow customers to do certain transactions on their mobile phones. Including accessing instant loans. These codes work across all major Nigeria mobile networks including MTN, 9mobile, Airtel, and Glo. Below is a list of the different banks in Nigeria and their USSD code.

  • First Bank – *894#
  • Fidelity Bank – *770#
  • Wema Bank – *945#
  • Skye Bank – *833#
  • Sterling Bank – *822#
  • Diamond Bank – *710#
  • Eco Bank – *326#
  • Keystone Bank – *533#
  • FCMB – *389#
  • Unity Bank – *7799#
  • UBA Bank – *919#
  • Zenith Bank – *966#
  • Union Bank – *826#
  • Heritage Bank – *322#
  • Access Bank – *901#



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