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USSD code for loans in Nigeria 2022


How do I get a loan with a USSD code? Well, there are several USSD code for loans in Nigeria and this article will talk about each and every one of them. You will also see which code can be used to borrow money from GTB, how you can get a quick loan from Wema Bank and others, as well as what the code for quick cash is?.

USSD codes for loans allow for broader financial inclusion in Nigeria by giving people instant access to credit.

Nigerians no longer have to stay in long queues or even visit banking halls to get a loan. USSD codes don’t require internet.

And yes, USSD security has been talked about but the pros far outweigh the cons.

Because loans are from different lenders and each lender has its unique code. So you will need to find the lender’s service you prefer to know their code and make use of it.

If you don’t want to be confronted with the embarrassment of being turned down by family and friends, then using USSD codes to access loans is perfect.

Their requirement is very little, once you meet them, you should get your loan in minutes.

Let’s look through some requirements of the USSD code for loans in Nigeria.


The requirements of the USSD code to borrow money in Nigeria are as easy as the USSD loans themselves,

Basically, you just need to be operating an account with most Nigerian banks to get access to their loans using their USSD code.

But for other instant loan providers, account opening may not be necessary. However, you would need to provide your full name, bank verification number, account details, address, and any other information as specified by the loan provider.

USSD code for loans in Nigeria

Zenith Bank Loan:       *966#

UBA Loan Code:          *919#

Fidelity Bank Loan code          *770#

First Bank Loan code   *894#

Wema Bank Loan code           *945#

Skye Bank Loan code  *833#

Sterling Bank Loan code         *822#

Diamond Bank Loan code       *710*11#

Eco Bank Loan code    *326#

Diamond Access Loan code    *901*11#

FCMB Loan code         *389#

Unity Bank Loan code *7799#

Union Bank Loan code            *826#

Heritage Bank Loan code       *322#

Keystone Bank Loan code       *533#

Quickteller – Glo Users:          *805#

Quickteller Loan (Airtel, MTN & 9mobile):    *322#

Paylater USSD Code:   *1303#

Payattitude:     *569#

Paga:   *242#

Trader Moni:   *540#

MTN Cash:      *606*4#

Migo Loan:      *561#

Kwikcash:        *561#

Interswitch:     *322#

GTBank Soft Loan (QuickCredit):        *737*51*51#

Glo Cash::        *322*1*04225701*Amount#

First Bank First Advance:        *894*11# or *894#

Fairmoney Loan:         *322*2#

Etisalat            : *561#

Ecobank Xpress:          *326#

Carbon Loan:   *1303#

Aledin Nano:   *903#

ALAT Loan By Wema Bank:    *945*100

Airtel Quick Cash:       *561#

Accion Microfinance Bank:     *572*6#

Access Bank Payday Loan:      *901*11#

AB Microfinance Bank            : *389*755#

If you wish to apply for any of the above loans, just input the corresponding USSD code into your phone and follow the prompts that pop up.

Also, you can do a comparison of the different loan platforms before making a decision so you can get the best deal.

The downside of the USSD code for loans in Nigeria comes when you default. Being unable to pay back at the agreed right time usually, incurs penalties that are stated in the loan terms and conditions.

This could range from either increasing the interest percentage or selling off borrowers collaterals.

Some even go as far as embarrassingly calling you out to every contact on your mobile phone…and everyplace else!

Yes, that is what will happen to you if you are not able to pay back at the right time?

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