Loan Code – How to Get Instant Loans with USSD Codes in Nigeria 2023

Loan Code

Loan Code in Nigeria – Are you looking for a quick and easy way to get a loan in Nigeria? Do you want to avoid the hassle of filling out forms, submitting documents, and waiting for approval? If yes, then you should consider using USSD codes to get instant loans in Nigeria.

USSD codes are short codes that you can dial on your phone to access various services from your mobile network provider, banks, or other platforms. You can use USSD codes to check your account balance, buy airtime, transfer money, and more. But did you know that you can also use USSD codes to get loans in Nigeria?

Yes, you heard that right. There are many platforms that offer loans via USSD codes in Nigeria. You don’t need an internet connection, a smartphone, or an app to apply for these loans. All you need is a phone that can make and receive calls, a SIM card registered with your BVN, and a bank account.

In this article, we will show you how to use USSD codes to get instant loans in Nigeria from different platforms. We will also tell you the requirements, interest rates, repayment terms, and benefits of using USSD codes to get loans in Nigeria.

How to Use USSD Loan Codes to Get Loans in Nigeria

The process of using USSD codes to get loans in Nigeria is very simple and straightforward. Here are the steps you need to follow:

1. Know the platform you want to borrow from. There are many platforms that offer loans via USSD codes in Nigeria. Some of them are banks, microfinance institutions, fintech companies, and telecom operators. You can check the list of USSD codes for loans in Nigeria below to see the options available.

2. Get the USSD code for the platform. Each platform has its own USSD code that you need to dial to access its loan service. You can find the USSD code on the platform’s website, social media pages, or adverts. You can also ask their customer care agents or other users for the code.

3. Meet the requirements for the loan. Before you can apply for a loan via USSD code, you need to meet some basic requirements. These may include having a bank account with the platform or any bank in Nigeria, having a valid BVN linked to your SIM card, being 18 years or older, having a steady source of income, and having a good credit history.

4. Dial the USSD code on your phone. Once you have met the requirements, you can dial the USSD code on your phone and follow the prompts that will appear on your screen. You will be asked to enter some information such as your name, phone number, bank account number, BVN, loan amount, loan duration, and PIN.

5. Get your loan instantly. After you have entered all the required information and confirmed your loan request, you will receive an SMS notification informing you of the status of your loan application. If approved, you will get your loan instantly credited into your bank account. If declined, you will be told why and what you can do to improve your chances of getting approved next time.

See also: PalmCredit Loan: How to Apply For Palmcredit Loan?

List of USSD Codes for Loans in Nigeria

Here is a list of some of the platforms that offer loans via USSD codes in Nigeria and their respective codes:

– AB Microfinance Bank: *389*755#

– Access Bank: *901*11#

– Accion Microfinance Bank: *572*6#

– Airtel Quick Cash: *561#

– ALAT by Wema Bank: *945*100#

– Aledin Nano: *903#

– Carbon (formerly Paylater): *1303#

– Ecobank: *326#

– Fairmoney: *322*2#

– FCMB: *329#

– First Bank: *894*11# or *894#

– Glo Cash: *322*1*04225701*Amount#

– GTBank: *737*51*51#

– Interswitch: *322#

– Kwikcash: *561#

– Migo (formerly Kwikmoney): *561#

– MTN Cash: *606*4#

– Paga: *242#

– Payattitude: *569#

– Quickteller: *322# (for Airtel, MTN & 9mobile users) or *805# (for Glo users)

– Trader Moni: *540#

– UBA: *919#

– Unity Bank: *7799#

– Zenith Bank: *966#

Benefits of Using USSD Codes to Get Loans in Nigeria

There are many benefits of using USSD codes to get loans in Nigeria. Some of them are:

– Convenience: You can apply for a loan anytime and anywhere with just your phone and a SIM card. You don’t need an internet connection or a smartphone or an app.

– Speed: You can get your loan instantly without any delay or paperwork. You don’t need to visit any office or fill out any form.

– Accessibility: You can access loans from different platforms with different terms and conditions. You can compare and choose the best option for your needs.

– Security: You can protect your loan transactions with a PIN or password that only you know. You don’t need to share your personal or financial details with anyone.

Things to Consider Before Using USSD Codes to Get Loans in Nigeria

While using USSD codes to get loans in Nigeria has many benefits, there are also some things you need to consider before applying for one. These include:

– Interest rate: The interest rate is the amount of money you have to pay back on top of the principal amount you borrowed. Different platforms have different interest rates depending on their risk assessment and loan duration. The interest rate can range from 5% to 30% per month or more.

– Repayment term: The repayment term is the period within which you have to pay back your loan plus interest. Different platforms have different repayment terms depending on their loan amount and duration. The repayment term can range from 7 days to 12 months or more.

– Penalty fee: The penalty fee is the amount of money you have to pay if you fail to repay your loan on time or default on it entirely. Different platforms have different penalty fees depending on their policies and regulations. The penalty fee can range from 1% to 10% per day or more.

– Credit score: Your credit score is a measure of how well you have managed your previous loans and other financial obligations. Different platforms have different credit score requirements depending on their risk appetite and lending criteria. Your credit score can affect your eligibility for a loan, interest rate, loan amount, and repayment term.

Tips for Using USSD Codes to Get Loans in Nigeria

Here are some tips for using USSD codes to get loans in Nigeria:

– Borrow only what you need and what you can afford to repay on time.

– Compare different platforms and choose the one that offers the best terms and conditions for your needs.

– Read and understand the terms and conditions of the loan before accepting it.

– Keep track of your loan repayment schedule and make sure you pay on time.

– Avoid taking multiple loans from different platforms at the same time.

– Build and maintain a good credit history by repaying your loans on time and avoiding defaults.

See also: Easybuy App – How to Use, Benefit, Requirements, and More


Using USSD codes to get loans in Nigeria is a fast and easy way to access credit when you need it urgently. However, you should also be careful not to borrow more than you need or more than you can repay on time.

You should also compare different platforms and choose the one that offers the best terms and conditions for your needs.

We hope this article has helped you understand how to use USSD codes to get loans in Nigeria.

If you have any questions or comments about this topic, please feel free

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