All Mobile Banking USSD Codes to Apply for Loan in Nigeria

Accessing Loans in Nigeria through Mobile Banking USSD Codes: A Comprehensive Guide


In today’s fast-paced world, financial institutions in Nigeria have embraced technology to enhance customer convenience. Mobile banking USSD (Unstructured Supplementary Service Data) codes have revolutionized the way people access financial services, making it easier and more efficient to apply for loans without the need to visit physical bank branches. This article will provide a detailed overview of how to apply for payday, salary advance, and other loans in all Nigeria banks using mobile banking USSD platforms.

Understanding USSD Banking:

USSD banking enables customers to conduct financial transactions from their mobile phones using short codes. Unlike internet banking, it does not require an internet connection but relies on the cellular network. To access USSD banking services, customers must link their bank accounts to their mobile phone numbers.

Benefits of USSD Loans:

USSD loans come with several benefits, making them an attractive option for many Nigerians seeking quick and accessible financing solutions. Unlike traditional loans, salary advances, and payday loans that are generally short-term in nature, ranging from one week to three months, USSD loan applications allow qualifying customers to borrow amounts they may need for a longer period, up to a maximum of two years.

Qualifications for USSD Loans:

To apply for salary advances or payday loans, most banks require the applicant’s salary account to be domiciled with the institution. However, some financial companies offer loans to customers who do not hold an account but have a history of regular usage with them.



Platform USSD Code for Loans

1. AB Microfinance Bank —- *389*755#
2. Accion Microfinance Bank—— *572*6#
3. Access Bank Payday Loan ——*901*11#

4. Quickteller loan:— *3226# and follow the instructions to apply.quickteller loan

5. Interswitch Group Loan——– Dial *322# to get a quick loan from #InterswitchLending

6. Airtel Quick Cash—— *561#
7. ALAT Loan By Wema Bank—– *945*100
8. Carbon Loan—— *1303#
9. Fairmoney Loan——-*322*2#
10. First Bank First Advance—–*894*11# or *894#
11. FCMB—–*329#
12. GTBank Soft Loan (QuickCredit)—– *737*51*51#
13. Trader Moni —-*540#
14. Paga——-*242#



15. Payattitude——-*569#
16. Zenith Bank Loan—-*966#
17. Fidelity bank Loan —-*770*08#
18. Kwikcash—*561#
19. Polaris Payday Loan—— *833*12#
20. Union Bank Loan code——- *826#
21. Unity Bank Loan code——–*7799#
22. UBA Bank Loan code—–*919#


Step-by-Step Guide to Applying for Loans via USSD Codes:

  1. Check Eligibility: Before applying for a loan via USSD, ensure you meet the eligibility criteria set by the bank or financial institution offering the loan. This usually involves having a valid bank account or fulfilling specific usage requirements.
  2. Locate the USSD Code: Each bank has its unique USSD code for loan applications. You can find this code on the bank’s website, mobile app, or by contacting their customer service.
  3. Dial the USSD Code: Once you have the correct USSD code, dial it from the mobile number linked to your bank account.
  4. Follow Prompts: After dialing the USSD code, you will be presented with a series of prompts on your phone screen. These prompts will guide you through the loan application process.
  5. Provide Information: During the application process, you may be required to provide personal and financial information. This could include your full name, date of birth, employment details, loan amount required, and the preferred loan tenure.
  6. Review Terms and Conditions: Before finalizing the loan application, carefully review the terms and conditions provided by the bank. Pay attention to interest rates, repayment schedules, and any additional fees.
  7. Submit Application: Once you have provided all the necessary information and agreed to the terms, submit your loan application.
  8. Await Approval: The bank will process your loan application, and if you meet the criteria, your loan will be approved.
  9. Receive Loan Disbursement: Upon approval, the loan amount will be disbursed to your linked bank account, and you can start using it for your intended purpose.


Mobile banking USSD codes have transformed the way Nigerians access financial services, including loans. The simplicity and convenience of applying for loans using USSD codes make it a popular choice for many individuals in need of quick financing. However, it is essential to remember that responsible borrowing is crucial to avoid falling into a debt trap. Always assess your financial situation and repay loans on time to maintain a healthy credit history. With this comprehensive guide, you can confidently apply for loans using mobile banking USSD platforms and secure the financial assistance you require.

Leave a Comment