Ez Cash Loan: USSD Code, Repayment, Reviews

EZ cash loan is a loan product from Stanbic IBTC bank in Nigeria to help their customers financially with low interest rates

The EZCash loan offers a quick solution to any burning and urgent need for cash. This article will answer your questions on how to borrow from Stanbic IBTC using the EZ Cash, its features, how to qualify, why this should be your first buddy before asking friends for help, and other questions as well.

Stanbic IBTC Bank, one of Nigeria’s most innovative player in the financial industry is offering its customers instant loan of up to 4 million Naira through its EZ Cash loan offers.

Ez Cash Loan
Ez Cash Loan

If you’re in need of a quick loan to buy a new phone, home appliances or you even need money for the big stuffs like weddings, paying school fees, or Medical bills, Stanbic IBTC EZ Cash loan has got you covered with an offer ranging from N20,000 to N4 million in instant loans.

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Stanbic IBTC EZ cash is the special loan package that the institution has designed for businesses in Nigeria. There is an ocean of space that separates the corporate organizations as you know it and their SME counterpart. A vast majority of this space exists due to a difference in available funds that each company has to work with.  To bridge this gap, many commercial banks now offer easy access loan packages to SMEs. This article contains everything you need to know about their loan.

Ez Cash Loan: Things to Note


  • Your limits on the Stanbic IBTC EZCash loans are largely dependent on your average monthly savings on your account.
  • If you have an existing loan, don’t fret. You are eligible too.
  • Your existing loan repayment (if you have any) may have an impact on how can be made available to you.
  • You are free to borrow as many times as you wish, as long as you are still within your borrowing limit
  • You can get up to N4million naira at a ridiculously low rate of just 2.5% within minutes
  • You are free to choose your preferred date of repayment
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Advantages Of EZ Cash Loan

  1. Access to up to 5 million instant loan 
  2. Easy repayment plan spread across 6 to 12 months 
  3. An interest rate of 2.5% per month 

How to apply for Stanbic IBTC EZ Cash

You can apply for this loan via the online portal, the major advantage of this method is the website has a loan calculator that you can use to determine how much interest you will pay before applying

  • -Visit the Stanbic IBTC bank EZ Cash portal
  • -Input your account number
  • -Enter your registered phone number, as it is on your BVN and click Get Started
  • *An OTP (One time Password) will be sent to your registered line
  • -Respond with the secret OTP and proceed
  • -Provide correct responses to the following prompts

EZ Cash via USSD Code

For those who don’t have access to the internet, they can still get a loan via USSD code.

For direct access to Stanbic IBTC Ez Cash, the code is *909*44# on their registered line. After dialing this, just make sure to follow the prompts as fast as you can as the code times out in seconds.

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How do I qualify for the EZ Cash Loan?

Great question! You must meet certain criteria to even be able to borrow on the Stanbic IBTC EZCash. These criteria are below:

  1. You must be an account holder
  2. Your account must be a standard Stanbic IBTC account
  3. Your account must be at least a year old from the date of opening
  4. You must be above above 18 years old
  5. You must be below 59 years old
  6. You must have a clean dud-cheque (bounced cheque) record
  7. You must have clean credit reports (CRMS & CRC)

How do I repay the Stanbic ibtc ez cash loan?

Repayment is very easy and not an active task that you perform. Once the loan term elapses, you would get a message containing your outstanding payment, and then your account would be debited. To pay back, simply ensure that you have the complete amount in your account on the payment day.

However, you can also choose to pay back before the due date. To do this, reach out to your relationship manager or call 07003333333


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