Codes For Loans


When it comes to accessing loans from various Nigerian lenders, USSD or Unstructured Supplementary Service Data codes provide a quick and convenient way to apply, check balances, and make repayments. In the context of banking, USSD has become a game-changer, providing users with swift access to financial services.

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Codes For Loans

Also See:

Naira Loan App

How To Activate Ecobank Ussd Code

Palmpay USSD Service

EcoBank USSD Transfer Code: Easy Banking

How to Use USSD for Quick Loans in Nigeria:

  1. Choose Your Lender: Select a preferred lender offering USSD-based loan services.
  2. Access USSD Menu: Dial the specific USSD code provided by your chosen lender.
  3. Follow Instructions: Navigate through the menu options to access loan information, apply for a loan, check your loan balance, or make repayments.
  4. Compare Offers: Before committing to a loan, take the time to compare offers from different lenders. This ensures you make an informed decision that aligns with your financial needs.

While USSD codes offer a speedy way to interact with loan services, responsible borrowing practices are essential.

Prioritize understanding the terms and conditions of the loan, including interest rates and repayment schedules.

By doing so, you can leverage the convenience of USSD codes for a seamless and efficient loan experience in Nigeria.

Top USSD Code For Loans in Nigeria

Loan ProviderUSSD Code
Carbon Paylater*1303#
Kwik Cash or Migo*561#
Liberty Assured347*505#
Paga Loan*242#
Trader Moni*540#
Verve ECash322*60#
Codes For Loans

Banks’ USSD Code For Loans in Nigeria

BankUSSD Code
Access Bank Plc901*11#
Zenith Bank*966#
Fidelity Bank*770#
First Bank894*11# or *894#
ALAT Loan By Wema Bank945*100#
Unity Bank*7799#
Heritage Bank*322#
Keystone Bank*533#
Stanbic IBTC*909#
Standard Chartered Bank*120#
Sterling Bank*822#
Polaris Bank*833#
Jaiz Bank*773#
Union Bank*826#
AB Microfinance Bank389*755#
Accion MFB572*6#
Codes For Loans

Remember, these are just examples, and it’s advisable to check with your specific lender for their USSD codes and guidelines. Happy banking!

Requirements for USSD Codes Loans in Nigeria

Accessing loans through USSD codes in Nigeria is a convenient option, but certain requirements must be met. Here’s what you need:

  1. Sign Up with a Loan Provider:
    • Choose a loan provider and complete the registration process.
  2. Personal Information:
    • Provide your full name, BVN (Bank Verification Number), email, physical address, and NIN (National Identification Number) or any valid ID card.
  3. Bank Account Number:
    • Have a valid bank account number where the loan funds will be deposited.
  4. Loan Provider’s USSD Code:
    • Know and dial the USSD code of the chosen loan provider.
  5. Alternate Contact Person:
    • Provide details of an alternate contact person for communication purposes.
  6. Mobile Phone:
    • Use a mobile phone, whether basic or smartphone, to dial the USSD code and access the loan service.


  • Learn and understand the loan repayment terms and conditions.
  • Ensure timely repayment to avoid online sanctions and penalties.
Codes For Loans


Please keep in mind that specific requirements may vary depending on the loan provider, so it’s essential to check with the chosen provider for any additional criteria or changes.


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