Loan Code in Nigeria, USSD Code for Loans in Nigeria, Shortcode to Borrow Loan

With just a few taps on your mobile phone, you can unlock a world of opportunities and meet your urgent financial needs. These USSD codes for loans in Nigeria provide a convenient and efficient way to borrow money, eliminating the lengthy paperwork and time-consuming processes of traditional loan applications. 

Whether you need funds for emergencies, business ventures, or personal endeavors, the shortcode to borrow loans empowers you to access the financial assistance you need, right when you need it. So, say goodbye to lengthy approval times and welcome the simplicity and speed of loan codes in Nigeria. Get ready to embark on your financial journey with ease and flexibility, as you take advantage of the convenient USSD codes designed to make borrowing loans a breeze.

USSD Loan Codes For Commercial Banks In Nigeria

Commercial banks in Nigeria provides loan for individuals who use their banks. Individuals can make use of these loans to cater to their needs in terms of emergency. 

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Below, you can find all the commercial banks in Nigeria and the loan codes for each bank. Hence to apply for loans from any of your banks on the list, all you have to do is to dial the required code. 

    1. Access Bank Plc - Loan Code: *901#

    2. Citibank Nigeria Limited - No specific loan code available.

    3. Coronation Merchant Bank - No specific loan code available.

    4. Ecobank Nigeria Plc - Loan Code: *326#

    5. Fidelity Bank Plc - Loan Code: *770#

    6. First Bank of Nigeria Limited - Loan Code: *894#

    7. First City Monument Bank Plc (FCMB) - Loan Code: *329#

    8. Guaranty Trust Bank Plc (GTBank) - Loan Code: *737#

    9. Heritage Bank Plc - Loan Code: *322#

    10. Keystone Bank Limited - Loan Code: *7111#

    11. Polaris Bank Limited - Loan Code: *833#

    12. Providus Bank Limited - No specific loan code available.

    13. Stanbic IBTC Bank Plc - Loan Code: *909#

    14. Standard Chartered Bank Nigeria Limited - No specific loan code available.

    15. Sterling Bank Plc - Loan Code: *822#

    16. SunTrust Bank Nigeria Limited - No specific loan code available.

    17. Union Bank of Nigeria Plc - Loan Code: *826#

    18. United Bank for Africa Plc (UBA) - Loan Code: *919#

    19. Unity Bank Plc - Loan Code: *7799#

    20. Wema Bank Plc - Loan Code: *945#

    21. Zenith Bank Plc - Loan Code: *966#

USSD Loan Codes For Microfinance Banks In Nigeria 

Microfinance banks have simplified the loan application process by providing loan codes that put the power of borrowing right at your fingertips. 

Simply dial the loan code provided by your preferred microfinance bank, and explore the possibilities of fulfilling your financial needs. Get ready to unlock financial empowerment as you tap into the loan codes offered by these microfinance banks.

  1. Bosak Microfinance Bank - Dial 3227878#

  2. LAPO Microfinance Bank - Dial 4561#

  3. Seedvest Microfinance Bank - Dial 3221234*Amount#

  4. AB Microfinance Bank - Dial 389755#

  5. RenMoney Microfinance Bank - Dial *3226#

  6. Lift Above Poverty Organization (LAPO) Microfinance Bank - Dial 90330#

  7. Page Microfinance Bank - Dial 3227020*Amount#

  8. Fina Trust Microfinance Bank - Dial 3291*4#

  9. NPF Microfinance Bank - Dial 389755#

  10. Ibadan Microfinance Bank - Dial 3224010*Amount#

  11. Accion Microfinance Bank - Dial *572#

  12. Mainstreet Microfinance Bank - Dial *540#

  13. Infinity Microfinance Bank - Dial 3227878*Amount#

  14. Bosak Microfinance Bank - Dial 3227878*Amount#

  15. BOWEN Microfinance Bank - Dial 3222345*Amount#

  16. Jigawa Microfinance Bank - Dial 3227080*Amount#

  17. Baobab Microfinance Bank - Dial 389011#

  18. Hasal Microfinance Bank - Dial 322092#

  19. Accion MfB Limited - Dial *572#

  20. NPF Microfinance Bank - Dial 389755#

  21. Addosser Microfinance Bank - Dial 90111*3#

  22. FBN Microfinance Bank - Dial 389755#

  23. AB Microfinance Bank Nigeria - Dial 389755#

  24. Ile-Ife Microfinance Bank - Dial 322261#

  25. Mainstreet Microfinance Bank - Dial *540#

  26. Grooming Microfinance Bank - Dial 389755#

  27. Parallex Microfinance Bank - Dial 322257#

  28. Ekiti State Microfinance Bank - Dial 389755#

  29. TAJ Bank Microfinance Bank - Dial 322300#

  30. Deltamek Microfinance Bank - Dial 389755#

  31. Cititrust Microfinance Bank - Dial 322552#

  32. Cooperative Microfinance Bank - Dial 389755#

  33. Credit Afrique Microfinance Bank - Dial 389755#

  34. Mutual Trust Microfinance Bank - Dial 389755#

  35. Iwo Microfinance Bank - Dial 322554#

  36. Gateway Microfinance Bank - Dial 322560#

  37. Trust Microfinance Bank - Dial 322777#

  38. Page Microfinance Bank - Dial 3227020#

  39. Aledin Microfinance Bank - Dial 322265#

  40. Platform Capital Microfinance Bank - Dial 389755#

  41. ABM Microfinance Bank - Dial 389755#

  42. Zedvance Microfinance Bank - Dial 389755#

  43. Lion’s Microfinance Bank - Dial 389755#

  44. Pepper Microfinance Bank - Dial 3227000#

  45. Infinity Microfinance Bank - Dial 3227878#

  46. Smile Microfinance Bank - Dial 322777#

  47. Fina Trust Microfinance Bank - Dial 3291*4#

  48. HASAL Microfinance Bank - Dial 322097#

  49. Deltamek Microfinance Bank - Dial 389755#

  50. Cititrust Microfinance Bank - Dial 322552#

What Are Requirements To Get Loans In Nigeria 

To get a loan in Nigeria, the specific requirements may vary depending on the lender and the type of loan you are applying for. However, there are some common requirements that many lenders typically look for. Here are some general requirements to get loans in Nigeria:

  1. Age: You must be at least 18 years old to be eligible for a loan in Nigeria. Some lenders may require you to be older, such as 21 or 25 years old.

  1. Nigerian Citizenship: Most lenders require you to be a Nigerian citizen or have legal residency status in the country.

  1. Valid Identification: You will need to provide a valid form of identification, such as a national ID card, international passport, voter's card, or driver's license.

  1. Proof of Income: Lenders typically require proof of a stable income source. This can include salary statements, bank statements, employment letters, or business registration documents, depending on your employment status.

  1. Bank Account: You will need to have a bank account in Nigeria where the loan funds can be disbursed and repayments can be made.

  1. Credit History: Some lenders may check your credit history and credit score to assess your creditworthiness. A good credit history can increase your chances of loan approval.

  1. Collateral (For Secured Loans): For certain types of loans, such as mortgage loans or vehicle loans, lenders may require collateral, such as property or assets, to secure the loan.

  1. Loan Application Form: You will need to fill out a loan application form provided by the lender, providing accurate and complete information about yourself and your financial situation.

It's important to note that each lender may have specific requirements beyond these general ones.


What is the USSD code for Lend Me? 

 Dial 5650# from the number linked to your bank account to access Lend Me service.

What is the USSD code for Fast Credit? 

The USSD code for Fast Credit is *5125#.

 What is the code for the XtraCash loan? 

To apply for an XtraCash loan, dial *606#.

What is the loan code for Nigeria? 

Different financial institutions offer various loan codes for loans in Nigeria, check with the particular bank you are using to be sure of the right loan code to use. 

What is the shortcode for a Fairmoney loan? 

You can apply for a Fairmoney loan through the Fairmoney app or by dialing 56615# on your mobile device.


In conclusion, accessing loans in Nigeria has become more convenient and accessible with the introduction of USSD codes and shortcodes. These codes provide a quick and straightforward way for individuals to apply for loans directly from their mobile devices. 

While specific codes may vary depending on the financial institution or loan provider, it is essential to reach out to the respective organizations to obtain accurate and up-to-date information.

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