IPPIS LOAN – IPPIS Loan For Civil Servant, How to Obtain and Requirement

The IPPIS is a federal government agency. IPPIS stands for the Integrated Personnel Payroll and Information System.

It has helped the federal government to be accountable for its budget. This agency also gives out loans from time to time.

These loans are only for federal workers who apply for them. One can easily get this loan without much stress.

All you need to do is to know the IPPIS Loan Codes. Also, there is an eligibility that you must have to access these loans.

We are going to see these codes as well as the eligibility to get the loan with ease.

Who Is Eligible To Apply For This IPPIS Program?

Those who are eligible to apply for this program are only workers who are employed in different government agencies and departments. If you’re not among these people, you cannot apply for an IPPS loan.

This lets the government deposit pay slips into the workers’ bank accounts quickly. Although most times you may be a government worker if you don’t meet all the requirements, your loan will not be approved.

So, in addition to you being a government worker, you need to meet all the requirements.

IPPIS Loan Requirements

Certain individuals are trying to get this loan. They seem not to be able to get it as they do not have its requirements.

Below are the requirements for this loan;

  1. IPPIS Number
  2. Salary payslip
  3. Bank Verification Number
  4. Work ID Card
  5. Bank Statement of Account
  6. Valid National ID Card
  7. Employment or Confirmation or Deployment letter.

How To Apply For An IPPIS Loan

To apply for an instant loan from the IPPIS loan, you must follow these simple, easy steps; remember that you must follow the latter; if not, your loan will not be approved. Follow through these steps serially.

  1. Visit their official website, which is www.ippis.gov.ng
  2. Next, click on Apply for an enrollment
  3. After that, you can quickly go ahead to apply for the loan through your state Headquarters using your IPPIS number.

You can easily compare interest rates from different platforms and get the best of them. Making a good and informed decision requires additional other loan offers before making a buying commitment.


Currently, the IPPIS loan has no USSD code. You can only access this loan through the process we outlined above.

However, ensure that your documents are complete and ready. We shall update you swiftly on any changes.

What Are the Eligibility Requirements For The Loan?

For you to be able to obtain a loan from IPPIS, you have to fulfill the following requirements; each requirement you do not meet will make your loan not be approved, and this is why you must take this article seriously.

  • You must have and provide an excellent credit history. This means that you must not be indented to any loan agency or platform across the nation.
  • You must be an active federal government worker in Nigeria
  • The loan you intend to borrow must not be above 70% of your entire salary.
  • You must meet all the requirements for the loan.

What Is The Maximum Amount of Loan Can I Access On IPPIS?

The amount of loan you can access on IPPIS depends on how much you earn. Nevertheless, you can not obtain over 70% of your entire salary to ensure that you will be able to pay up before the loan tenure ends.

Are You Credit Worthy?

Creditworthiness is a crucial factor that majorly determines if you get a list from IPPIS or not. Hence, if you have any outstanding debt, try to pay it back before applying for this loan. This is the first thing you must do before applying so that your loan application will not be rejected. 

Frequently Asked Questions

In this section, we’ve answered some of the frequently asked questions on this section. Go through it carefully and get answers to some of your questions.

How can a civil servant get a loan?

It would be best if you add recent passport photographs that are clear enough

A valid means of identification that can help verify who you are, some of them are your national identity card, permanent voter’s card, Driver’s license, or international passport; either of these can serve

Your recent payment slip

Your loan application letter is well written down

A two-guarantee with one recent passport for each of the guarantors.

How do I register for IPPIS?

The first and foremost is for you to be a bonafide government worker, employed in line with prescribed public service rules. You must be not less than 18 years old and not more than 50 years old. Then go on to their website, apply for a loan, and make sure you’ve met all the requirements; you will be approved.

How much loan can a civil servant get from IPPIS?

As a civil servant, you can get loans that are up to 10 times your net salary. But before you can get approved for this loan, the app must screen you to ensure you can pay it back.

Can I use my BVN to borrow money on IPPIS?

The answer is no. Your BVN can get blocked by the Central Bank of Nigeria. However, if and when you fail to pay your loan, your identity will be reported to the national credit bureaus.

What are the benefits of IPPIS?

The benefit of IPPIS is numerous; some of them are

  • Accuracy
  • Reduction and the elimination of corrupt and sharp practices
  • Facilitation of modern scientific and accurate budgeting and forecasting. These are the significant benefits of IPPIS
  • Fast payment system for government workers
  • Transparent and quick loan approval for qualified candidates.
  • Easy to navigate to the point that anyone with sufficient internet knowledge can navigate and apply.

How Do You Find Your IPPIS Reference Number?

For you to be able to get your reference ID and token, you need to contact the headquarters in your region. You need to get your reference ID and token before starting your online registration and data capturing.

Who is the owner of IPPIS?

The Federal Government Integrated Payroll and Personal Information System (IPPIS) was incepted in October 2006 by the federal government of Nigeria as one of its reform programs; the aim of this was to significantly improve the effectiveness and efficiency in the storage of different personal records and administration of monthly payroll in such a way to enhance and increase the confidence in staff.

Do government employees get loans easily on IPPIS?

Yes, every government worker or employee that works for the government, whether in the central status or the public sector, can easily obtain a loan from the IPPIS platform. But you must provide all the requirements to get approved even after being a government worker.

Can you reapply if your loan is not approved on IPPIS?

When you apply for a loan through the IPPIS platform, you’re not approved. You can reapply, but before you reapply, you must ensure that you have provided and kept all the requirements that will enable your loan to be approved.

In addition, you must make sure you do not owe any loan platforms across the country. If you do, your loan will not be approved.

How Can I Contact IPPIS?

Here are the various ways to contact IPPIS:

Address: Office of the Accountant-General of the Federation, Treasury House, Ladoke Akintola Boulevard, Garki 11, Abuja

Phone Number: +234 908 700 573 5

Email Address: support.ippis.gov.ng

Website: www.ippis.gov.ng

In Conclusion

As a civil servant, you can obtain the IPPIS loan by applying for it through your state HR. All you need to do is to get your IPPIS number and other documents related to your employment, then you are good to go. However, you must ensure that you pay off any outstanding debt so that your loan application will be successful. 

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