Loan Codes in Nigeria – USSD Code for Loans in Nigeria, Short Code to Borrow Loan

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With the advent of USSD codes, borrowing loans has become more accessible, efficient, and convenient than ever before. By simply dialing a short code on your mobile phone, you can access a range of loan options tailored to your needs.

In this guide, we will explore the world of loan codes in Nigeria and uncover the USSD codes you can use to borrow loans from various financial institutions. We will provide you with a comprehensive list of short codes, explain how they work, and highlight the benefits of using USSD codes for loan applications.

Whether you’re in need of personal loans, business loans, emergency funds, or any other financial assistance, the loan codes in Nigeria offer a user-friendly and expedited way to secure the funds you require.

 We will walk you through the step-by-step process of dialing the appropriate code, selecting your desired loan amount, and receiving the funds directly into your account.

Loan Codes For Commercial Banks In Nigeria 

Below, you will find the loan codes for commercial banks in Nigeria; 

  1. Access Bank: Dial 90111# to access Access Bank’s loan services.
  2. First Bank: Dial 89411# to explore First Bank’s loan options.
  3. Guaranty Trust Bank (GTBank): Dial 73751*51# to access GTBank’s loan services.
  4. United Bank for Africa (UBA): Dial *919# to explore UBA’s loan offerings.
  5. Zenith Bank: Dial 96611# to access Zenith Bank’s loan services.
  6. Stanbic IBTC Bank: Dial *909# to explore Stanbic IBTC Bank’s loan options.
  7. Fidelity Bank: Dial *770# to access Fidelity Bank’s loan services.
  8. Union Bank: Dial *826# to explore Union Bank’s loan offerings.
  9. Ecobank: Dial *326# to access Ecobank’s loan services.
  10. Sterling Bank: Dial 8228# to explore Sterling Bank’s loan options.
  11. Wema Bank: Dial *945# to access Wema Bank’s loan services.
  12. Unity Bank: Dial *7799# to explore Unity Bank’s loan offerings.
  13. Keystone Bank: Dial *7111# to access Keystone Bank’s loan services.
  14. Polaris Bank: Dial 83312# to explore Polaris Bank’s loan options.
  15. Heritage Bank: Dial *745# to access Heritage Bank’s loan services.
  16. FCMB (First City Monument Bank): Dial *329# to explore FCMB’s loan offerings.
  17. Stanbic Mobile: Dial *909# to access Stanbic Mobile’s loan services.
  18. Jaiz Bank: Dial 389301# to explore Jaiz Bank’s loan options.
  19. SunTrust Bank: Dial *523# to access SunTrust Bank’s loan services.
  20. Providus Bank: Dial 770123# to explore Providus Bank’s loan offerings.
  21. Titan Trust Bank: Dial *922# to access Titan Trust Bank’s loan services.
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Please note that the loan services and eligibility criteria may vary for each bank

Loan Codes For Microfinance Banks In Nigeria 

Below are loan codes for Microfinance banks In Nigeria.

  1. LAPO Microfinance Bank – Dial 4561#
  2. AB Microfinance Bank – Dial 389755#
  3. Accion Microfinance Bank – Dial *572#
  4. Addosser Microfinance Bank – Dial 90111*3#
  5. Mainstreet Microfinance Bank – Dial *540#
  6. NPF Microfinance Bank – Dial 389755#
  7. RenMoney Microfinance Bank – Dial *3226#
  8. Lift Above Poverty Organization (LAPO) Microfinance Bank – Dial 90330#
  9. Page Microfinance Bank – Dial 3227020*Amount#
  10. Fina Trust Microfinance Bank – Dial 3291*4#
  11. Ibadan Microfinance Bank – Dial 3224010*Amount#
  12. Seedvest Microfinance Bank – Dial 3221234*Amount#
  13. Jigawa Microfinance Bank – Dial 3227080*Amount#
  14. Bosak Microfinance Bank – Dial 3227878*Amount#
  15. BOWEN Microfinance Bank – Dial 3222345*Amount#
  16. Infinity Microfinance Bank – Dial 3227878*Amount#
  17. Baobab Microfinance Bank – Dial 389011#
  18. Hasal Microfinance Bank – Dial 322092#
  19. Bosak Microfinance Bank – Dial 3227878#
  20. Accion MfB Limited – Dial *572#
  21. NPF Microfinance Bank – Dial 389755#
  22. Addosser Microfinance Bank – Dial 90111*3#
  23. FBN Microfinance Bank – Dial 389755#
  24. AB Microfinance Bank Nigeria – Dial 389755#
  25. Ile-Ife Microfinance Bank – Dial 322261#
  26. Mainstreet Microfinance Bank – Dial *540#
  27. Grooming Microfinance Bank – Dial 389755#
  28. Parallex Microfinance Bank – Dial 322257#
  29. Ekiti State Microfinance Bank – Dial 389755#
  30. TAJ Bank Microfinance Bank – Dial 322300#
  31. Deltamek Microfinance Bank – Dial 389755#
  32. Cititrust Microfinance Bank – Dial 322552#
  33. Cooperative Microfinance Bank – Dial 389755#
  34. Credit Afrique Microfinance Bank – Dial 389755#
  35. Mutual Trust Microfinance Bank – Dial 389755#
  36. Lapo Microfinance Bank – Dial 4561#
  37. Iwo Microfinance Bank – Dial 322554#
  38. Gateway Microfinance Bank – Dial 322560#
  39. Trust Microfinance Bank – Dial 322777#
  40. Page Microfinance Bank – Dial 3227020#
  41. Aledin Microfinance Bank – Dial 322265#
  42. Platform Capital Microfinance Bank – Dial 389755#
  43. ABM Microfinance Bank – Dial 389755#
  44. Zedvance Microfinance Bank – Dial 389755#
  45. Lion’s Microfinance Bank – Dial 389755#
  46. Pepper Microfinance Bank – Dial 3227000#
  47. Infinity Microfinance Bank – Dial 3227878#
  48. Smile Microfinance Bank – Dial 322777#
  49. Fina Trust Microfinance Bank – Dial 3291*4#
  50. HASAL Microfinance Bank – Dial 322097

Requirement To Borrow Loan In Nigeria

To borrow a loan in Nigeria, there are generally some common requirements that you may need to fulfill. While the specific requirements can vary depending on the lending institution or loan provider, here are some typical criteria:

  1. Age: You must be at least 18 years old to be eligible for a loan in Nigeria.
  2. Valid Identification: You will need a valid form of identification, such as a National ID card, International Passport, Driver’s License, or Voter’s Card.
  3. Bank Account: Most loan providers require you to have a bank account in Nigeria. This is where the loan funds will be disbursed and repayments will be made.
  4. BVN (Bank Verification Number): The Central Bank of Nigeria introduced the BVN system to verify the identity of bank customers. Most loan providers require you to have a valid BVN to apply for a loan.
  5. Proof of Income: You may be required to provide proof of a steady source of income, such as employment or business income. This can be in the form of bank statements, payslips, or tax documents.
  6. Credit History: Some loan providers may consider your credit history to assess your creditworthiness. A good credit history can increase your chances of loan approval and favorable interest rates.
  7. Loan Application Form: You will need to complete the loan application form provided by the loan provider. This form typically includes personal information, employment details, and loan amount requested.
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What is the USSD code for lend me? 

To access the loan services from “lend me,” you can dial 5650# from the phone number linked to your bank account. This USSD code will provide you with the necessary instructions to proceed with your loan application.

What is the code for SmartCash loan? 

To apply for a SmartCash loan, you can dial *939# on your mobile phone. This USSD code will initiate the loan application process and provide you with the necessary steps to follow.

What is the USSD code for fast credit? 

For fast credit services, you can dial *5125# on your mobile phone. This USSD code will give you access to micro and nano loans, allowing you to apply for quick credit solutions.

What is the short code for Fairmoney loan? 

To apply for a loan with Fairmoney, you have two options. You can either download the Fairmoney app and complete the registration process, or you can use the USSD code 56615# to initiate your loan application directly.

How much can I borrow from FairMoney for the first time? 

The loan amount you can borrow from FairMoney for the first time may vary depending on several factors, including your creditworthiness, income level, and loan eligibility criteria set by FairMoney. 

Typically, FairMoney offers loans ranging from small amounts to higher amounts, but the exact loan limit for the first-time borrower will be determined by FairMoney’s evaluation process. It is best to install the FairMoney app, complete the registration process, and check your eligibility within the app to determine the specific loan amount you can borrow as a first-time borrower.


In conclusion, loan codes and USSD codes have revolutionized the borrowing process in Nigeria, making it more convenient and accessible for individuals in need of financial assistance. With the advent of technology, borrowers can now access loans using their mobile phones and dialing short codes, eliminating the need for lengthy paperwork and physical visits to financial institutions.

The availability of loan codes and USSD codes from various loan providers has opened up opportunities for Nigerians to meet their financial needs quickly and efficiently. These codes provide a simplified way to apply for loans, check eligibility, and receive funds directly into their bank accounts.

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