Loan Code in Nigeria, USSD code for loans in Nigeria, Short Code to Borrow Loans.

How to borrow Loan with USSD Codes in Nigeria

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Welcome to the world of instant, hassle-free lending with just a tap of your phone’s keypad! Imagine a world where you can apply for a loan without bureaucracy, long lines, and endless waiting times. That’s exactly what loan codes in Nigeria are about: a quick and easy way to access loans from your mobile device without any hassle. With different loan codes for different Nigerian banks, you can easily avail of loans ranging from emergency cash to personal, business, and education loans. So, why go through the trouble of going to the bank when you can access loans from the comfort of your home, office or even on the go? Get ready to experience a whole new world of convenience and accessibility with loan codes in Nigeria.

Loan code in Nigeria, USSD code for loans in Nigeria, short code to borrow loans.

What is a loan USSD?

Have you ever faced an emergency situation and needed money urgently? Or maybe you have a dream project that needs financial support? Well, worry no more because Loan USSD Codes are here to solve the problem!

Here’s what you need to know:

Loan USSD code is a unique code that you can dial on your mobile phone to access instant loans from your bank or loan app.

Do you wonder why banks introduce this service? Very simple: help customers access loans easier, faster and easier. With just a few clicks on your phone, you can apply for a loan and receive money in minutes! No more long lines, paperwork, and uncomfortable face-to-face interactions with loan officers.

Using USSD loan codes is quite simple. Simply dial the code from your favorite bank or lending app, follow the instructions to provide personal and financial information, select your loan option, and voila! Your loan will be credited to your account within minutes.

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So,  next time you need quick cash or want to take that project to the next level, remember that the USSD loan code is your best choice. Try it today and enjoy the convenience of getting your loan instantly right from the comfort of your home.

To  USSD code in Nigeria to borrow money you Need the following: 

To use loan USSD code in Nigeria you must meet the following criteria, if not it won’t work.

How to Apply for Loans Using USSD Codes in Nigeria.

Follow the process below to apply for a loan using USSD Codes.

  1. Dial the USSD code of the loan you want to request: Do you need money quickly for a personal or business emergency? You can apply for a loan on popular platforms like GTBank, FCMB and Airtel Money by dialing the respective USSD code on your mobile phone.
  1. Respond to the prompt to provide your information: After dialing the USSD code, you will receive a prompt to select the loan amount you need,  repayment term, and other relevant details. Choose your options carefully to ensure you get exactly what you need.
  1. Provide your personal and banking information if necessary: After selecting your loan options, you will be asked to provide personal information such as name, address and identification number. You will also need to enter your bank account information, including account number and BVN.
  1. Waiting for loan approval: Once you have completed all the necessary details, your loan application will be submitted for review. Lenders will evaluate your information, including your credit history, and calculate your risk level. If approved, the money will be deposited into your bank account.
  1. Repayment according to agreement: You will receive reminders from the lender when repayment is due. Make sure you repay your loan on time to avoid penalties and damage to your credit score. Remember, repaying your loan quickly is essential to help you build a good credit history and access better loan options in the future.
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Using USSD codes to apply for a loan in Nigeria is a convenient and simple process. Simply follow the instructions, provide the necessary information, and you can quickly receive the loan you need to move forward.

List of short codes to borrow loans. in Nigeria 2023

UBA Loan    *919*28#
Fairmoney *322*2#
Carbon *1303#
ALAT    *945#
First Bank Loan    *894*11#
Quickteller    *322#
Migo Loan    *561#
Payattitude    *569#
Access Bank Loan    *901#
Paga    *242#
GtBank Loan    *737*51*51#
KwikCash    *561#

Advantages of using loan USSD Codes to borrow money in Nigeria.

Below are the advantages of using USSD Codes to borrow loans.

  1. You can easily apply for loans from different lenders without having to leave your home by using your mobile phone.
  2. USSD loan codes allow you to access loans at any time of the day, even outside of traditional banking hours.
  3. With a loan code, you can instantly check your loan eligibility and receive offers tailored to your specific financial needs.
  4. You can access loans from different providers and compare interest rates, loan terms and repayment plans to choose the best option for you.
  5. USSD loan codes eliminate the need for detailed documents when applying for a loan, making the process faster and more convenient.  6. With USSD loan codes, you can easily track your repayments, due dates and balances on your mobile device.
  6. Some lenders offer loyalty rewards for regular use of their USSD loan codes, such as reduced interest rates or automatic loan limit increases.
  7. USSD loan codes typically have low-interest rates compared to traditional loans, helping you save money in the long run.
  8. USSD loan codes are available to everyone, including those without a bank account, credit history or collateral.
  9. With the USSD loan code, you can avoid the embarrassment of borrowing from friends or family and maintain your financial independence.

Loan Apps with USSD Codes 

Are you looking for a loan app with a USSD code in Nigeria, look no further as we have a list of loan apps with USSD code. Here they are there.

  1. Quick check: Need a loan immediately? Dial *561# to access the QuickCheck loan app and have the loan repaid in installments. Loan amounts range from ₦1,500 to ₦500,000 and the repayment period starts from 91 days.
  1. PalmCredit: With PalmCredit’s USSD loan code (*561#), you can access quick loans ranging from ₦2,000 to ₦100,000. Refund periods start from 14 to 180 days. Dial *561# to get started.
  1. RenMoney: RenMoney’s USSD code (*3226#) gives you access to quick, collateral-free personal loans ranging from ₦50,000 to ₦4,000,000. Competitive interest rates and repayment periods range from 3 to 24 months.
  1. Branch: Branches provide a quick and easy way to access loans without collateral. Dial *384*269# to access their loan app and get loans from ₦1,000 to ₦200,000. Repayment periods range from 4 to 64 weeks.  
  1. Fair Money: FairMoney offers loans up to ₦500,000 and can be repaid in installments. Dial *322*6# to access their loan application. Competitive interest rates with repayment terms from 61 days to 180 days.
  1. Aella Credit: Aella Credit offers loans up to ₦1,000,000 by dialing *444*759#. Loan repayment time ranges from 1  to 2 months and interest rates are affordable.
  1. Kwikmoney: Kwikmoney has a loan limit of ₦500,000, accessible by dialing *561#. Repayment periods start from 14 to 60 days with attractive interest rates.  
  1. Carbone (formerly Paylater): Carbon offers loans from ₦1,500 to ₦1,000,000 without collateral. Dial *1303# to access their loan application and the repayment period starts from 15 to 90 days. Competitive interest rates and no hidden fees.
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FAQs on Loan code in Nigeria, USSD code for loans in Nigeria, short code to borrow loans.

What is the USSD code for quick loans in Nigeria and how to get it?

You can dial *919#, *329#, *901#, *833# or *770# to get  USSD code for quick loans in Nigeria. After dialing the code, select the loan option from the menu that appears and follow the instructions to complete your loan application.

How much can I borrow with the USSD loan code in Nigeria?

The amount you can borrow using USSD code to borrow in Nigeria varies depending on the lender and your creditworthiness. Some lenders offer loans ranging from N1,000 to N500,000, while others may offer higher loan limits depending on your repayment history.

Are there any requirements when using short codes for  loans in Nigeria?  

Yes, most lenders require  you to have an active bank account,  valid BVN and a stable source of income before you can use shortcodes to borrow loans in Nigeria. Some lenders may also require you to have a certain credit score  to qualify for a loan.

How long does it take to receive a  USSD code loan in Nigeria?

The time it takes to receive a loan using USSD codes for loans in Nigeria varies depending on the lender. Some lenders offer instant loan disbursement, while others may take a few hours or days to process and disburse your loan.

Are there any hidden fees when using loan USSD codes in Nigeria?

It is important to carefully read the terms and conditions of the loan offer before applying and disbursement. Some lenders may charge processing fees, interest  and taxes as well as penalties for late payments. However, these fees must be clearly stated in the terms and conditions of the loan offer.


Loan USSD Codes in Nigeria have made borrowing money from lenders very easy and accessible. With a few clicks, you can have your loan funds sitting in your bank account. 

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