Get a loan with USSD Code in Nigeria

Are you looking or searching for how to get a loan with USSD code in Nigeria the you are in the right place with all USSD codes in Nigeria.

Criteria like going to a bank, opening an account, undergoing documentation, operating an internet enabled phone, having a collateral etc just because you need a loan can be indeed stressful but with these USSD code for loans in Nigeria, you are rest assured of less stress.

Aside from the criteria associated with getting a loan from traditional banks, chances of getting an instant loan in time of need can be very slim.

Paper work alone can delay the entire process. 

Thanks to loan apps in Nigeria and now the use of USSD codes is really easing the processes of getting a loan. 

Get a loan with USSD Code

The advent of USSD for loans in Nigeria is revolutionizing the entire banking sector thereby making easy to access loans with little to no collateral and at a very fast turnaround..


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Currently, USSD is the best available communications technology that is used to deliver mobile financial service.

Majority of large and medium scale mobile financial service deployments in Nigeria use USSD as primary mechanism for communication. 

In Nigeria today, USSD is used for so many things among which are:

  • To access loan
  • It can be used without an internet connection 
  • Check or open an account
  • Operate card-less withdrawal 
  • Generate a token
  • Make a deposit, etc.

In a nutshell, it can be used to do lots of banking activities.

Below are USSD code for loans in Nigeria you can leverage to get quick loans without use of the internet , just your mobile phone.

USSD Code For Loans in Nigeria 2022

Applying USSD codes for loans depends on the loan app you are using.

USSD codes can fastrack  access to loans and other services.

Here are best USSD codes for loans in Nigeria 2022

Banks’ USSD Code For Loans in Nigeria

Access Bank Plc*901*11#
Zenith Bank*966#
Fidelity Bank*770#
First Bank*894*11# or *894#
ALAT Loan By Wema Bank*945*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#

Microfinance and Organization USSD Code For Loans in Nigeria

AB Microfinance Bank*389*755#
Accion MFB*572*6#
Kwik Cash*561#
Aledin Nano*903#
Paylater / Carbon*1303#

Airtime USSD Code For Loans in Nigeria

Airtel quick cash*561#
Mtn cash*606*4#
Glo cash*322*1*04225701*Amount#

Other Important USSD Codes

To Check Your Bank Verification Number (BVN)*565*0#
Paga User Service*242#
Quickteller – Airtel, MTN & 9mobile*322#
Quickteller – Glo Users*805#
Trader Moni*540#
Verve ECash*322*60#
To Check Your CRC’s Credit Bureau history*565*8#
Report domestic violence and child abuse in Lagos.*6820#
Dstv User/Self service*288#
Airtel Recharge code*126*PIN#
Airtel check balance code*123#
Airtel Data code*141#
Airtel International Bundles*789#
Etisalat Recharge code*222* PIN NO#
Etisalat international bundles code*620*1#
Etisalat credit balance code*232#
Etisalat data code*229#
Glo Recharge code*123* PIN NO#
Glo Credit balance code*124*1#
Glo data code*777#
Glo international bundles code*0905#
Mtn menu code*141*0#
Mtn data code*131#
Mtn credit balance code*556#
Mtn International Bundles code*131*5#

More About USSD Codes For Loans in Nigeria

What is USSD Banking 

Unstructured Supplementary Service Data (USSD) is the technology that allows financial communication between mobile phones and customers.

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These communications can be carried out on any type of  phone including a basic one with or without data or data enabled phones like smartphones.

The main objective of the USSD is to allow financial inclusion of the underbanked and economically weaker section of the society and integrate them into mainstream banking.

USSD code is available on all mobile phones with sms facility.

To use USSD mobile banking, users will have to dial a number that starts with “*” and end with “#”. For example to access Carbon Loan using the USSD Code, dial *1303#

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Requirement For Getting Started With USSD Codes for Loans in Nigeria

To get started with any loan app or platform, you will need to meet with the basic requirements as follows

  • Sign up with a loan provider of your choice
  • Provide your full name, BVN, email and physical address
  • Provide your account number
  • Get USSD code of the loan provider
  • Lean about loan repayment terms and condition 
  • Ensure you meet with payment due date to avoid sanction online

How To Apply For Loans in Nigeria Using USSD

  • Know the loan provider you want to borrow from
  • Sign up
  • Provide basic requirements like Name, BVN, and address
  • Get USSD code of the loan provider
  • Dial the code
  • Follow instructions
  • Get your loan

Verdict On USSD Codes for Instant Loans in Nigeria 

Even though the process of getting loan through USSD codes can be challenging especially to non tech savvy, it is still easy to learn and this can indeed save you time both in the short and long run.

Through this USSD code for loan in Nigeria, you can indeed access loans with or without the internet and at a very fast speed. 

The fun part is that, you really don’t need to be physically around to access the loan, all it takes is getting the primary requirements and dial the loan code.

However, to get started, it is advisable you borrow money you can pay back as defaulters can spoil their credit scores and attract legal issues which can indeed be avoided.

This days, leveraging USSD codes for soft loans in Nigeria can really be of help especially intime of urgent needs. But you must know that most of the loan providers also have their inhouse way of accessing you through artificial intelligence and this will determined the amount of loan you can be given at a time.

If loan amount given can’t meet with your needs at that moment you need it must, you can simply reject or better still try with another platform.

However, to get bigger loan, most of these platforms will want to initially start by giving you small loan and then over time when trust is built, then you will be able to be granted bigger loans.

But until then, you can pick from any of the top loan apps in Nigeria today, build a trust and begin to use their short codes to access loan anywhere you are in Nigeria.


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