The most easiest way to borrow money in Nigeria is through the use of ussd codes. The reason is simple, you don’t need an internet and you can use any kind of phone. for this reason we have decided to compile a comprehensive list of loan providers and their USSD codes to apply for loans in Nigeria 2025.
These are codes for quick and instant loan from banks, fintech apps and networks providers.
Codes to Apply for loans in Nigeria
Here is a complete list of all ussd codes for loans on Nigeria in 2025:
- AB Microfinance bank *389*755#
- Access bank *901*11#
- Accion MFB *572*6#
- Airtel quick cash loan *561#
- Aledin nano *903#
- Carbon Paylater USSD code *1303#
- Diamond Bank Loan code *710*11#
- Eco Bank Loan code *326#
- Etisalat loan code *561#.
- FCMB loan code *329#
- Fairmoney ussd code *566*15#
- Fidelity Bank Loan code *770#
- First Bank Loan code *894#
- GTBank loan code *737*51*51#
- Glo cash loan code *322*1*Amount#
- Heritage Bank Loan code *322#
- Interswitch loan *322#
- Keystone Bank Loan code *533#
- Kwik cash USSD code *561#
- Migo loan code *561#
- Mtn cash loan code *606*4#
- Paga loan code *242#
- Quick Teller (Mtn, Airtel, 9mobile) *322#
- Skye Bank Loan code *833#
- Sterling Bank Loan code *822#
- Trader Money loan code *540#
- UBA Bank Loan code *919#
- Union Bank Loan code *826#
- Unity Bank Loan code *7799#
- Wema Bank Loan code *945#
- Zenith Bank Loan code *966#
Here’s how to use these Loan USSD codes
1. How to get a loan from AB Microfinance Bank using their USSD Code
To apply for a loan from AB Microfinance Bank, you need to be an existing customer. Start by dialing *389*755# on your mobile phone. This will give you access to the bank’s mobile services. Follow the on-screen prompts to navigate to the loan application section.
Ensure that the phone number you’re using is linked to your bank account for or this will not work. Once you’ve completed the application, the bank will review your request and notify you of the outcome. If approved, the loan amount will be disbursed into your account.
2. How to Apply for Access Bank Loan using USSD Code
Access Bank offers a convenient way to apply for loans through USSD. Dial *901*11# on your mobile device to initiate the process. This service is available to both Access Bank account holders and non-account holders whose salaries are processed via Remita.
After dialing the code, follow the prompts to select the loan option that suits your needs. You’ll be asked to provide your Bank Verification Number (BVN) and other relevant details.
Access bank will assess your eligibility based on your salary and existing obligations. If you’re eligible, you’ll receive information about the loan amount, interest rate, and repayment terms.
Confirm your acceptance, and the loan will be disbursed to your Access Bank account. For non-account holders, an account will be automatically created for you.
3. How to Apply for Accion Microfinance Bank Loan using USSD Code
To request a loan from Accion Microfinance Bank, dial *572*6# on your registered mobile phone. This service is available to both existing and new customers.
Follow the on-screen prompts to navigate to the loan application section. You’ll be required to provide necessary information, such as your account details and the loan amount you wish to borrow. Once you’ve completed the application, the bank will review your request and notify you of the outcome. If approved, the loan amount will be disbursed into your account.
4. How to Get Airtel Quick Cash Loan using USSD Code
Airtel subscribers can borrow airtime by dialing *500# or *303# on their mobile devices.
- Dial *500# or *303#. Whichever one works for you
- Select Borrow Credit
- Tyoe how much you want to borrow
- Confirm and send
You will receive the airtime in your balance immediately
5. How to Obtain Aledin Nano Loan using USSD Code
To apply for a loan from Aledin Nano, dial *903# on your mobile phone. This USSD code provides access to their loan services. Follow the prompts to navigate to the loan application section. You’ll be asked to provide necessary information, including the loan amount and repayment period.
Upon successful application and approval, the loan amount will be disbursed to your linked account.
6. How to Access Carbon Paylater Loan using USSD Code
Carbon, formerly known as Paylater, offers loans via USSD by dialing *1303# on your mobile device. After dialing, follow the on-screen instructions to apply for a loan.
- Dial *1303#
- Select the loan amount
- Select Loan period
- Check interest rate
- Accept and send
The money will be sent to your linked bank account in minutes.
7. How to Apply for Diamond Bank Loan using USSD Code
Diamond Bank customers can request loans by dialing *710*11# on their mobile phones. This USSD code provides access to the bank’s loan services. Follow the prompts to select the loan option and provide necessary details, such as the desired loan amount.
Diamond bank will check if you’re eligible. If you are, the loan amount will be disbursed into your Diamond Bank account.
8. How to Get Eco Bank Loan using USSD Code
To apply for a loan from Eco Bank, dial *326# on your mobile device. This USSD code grants access to the bank’s mobile services, including loan applications.
- Dial the code
- Type how much you want to borrow
- Allow eco bank to run some check and get back with their loan offer for you
Eco Bank will determine your eligibility in a minute. If you’re qualified, the loan will be credited to your Eco Bank account.
9. How to Obtain Etisalat Loan using USSD Code
Etisalat subscribers can access cash loans or borrow airtime by dialing. To apply for loan just Dial *561#. To borrow airtime dial *303# on your 9mobile number.
10. How to Apply for FCMB Loan using USSD Code
First City Monument Bank (FCMB) customers can request loans by dialing *329# on their mobile devices. This USSD code provides access to the bank’s mobile services, including loan applications.
- Dial *329# or *329*11# on your FCMB registered phone
- Select the loan option
- Type loan amount and choose period
- Wait for approval
11. How to Access Fairmoney Loan using USSD Code
Fairmoney offers quick loans via USSD by dialing *566*15# on your mobile phone. After dialing, follow the on-screen instructions to apply for a loan. You’ll need to provide details such as the loan amount and repayment duration.
12. How to Get Fidelity Bank Loan using USSD Code
Fidelity Bank customers can apply for loans by dialing *770# on their mobile devices. This USSD code provides access to the bank’s mobile services, including loan applications. Navigate through the menu to select the loan option and provide necessary information, such as the loan amount and repayment period.
13. How to Apply for First Bank Loan using USSD Code
First Bank customers can access quick loans by dialing *894# on their mobile phones. After dialing, select the option for loans and follow the subsequent prompts. You’ll need to provide details such as the desired loan amount. The system will assess your eligibility based on your account activity and other criteria. If eligible, the loan amount will be credited to your First Bank account.
14. How to Obtain GTBank Loan using USSD Code
GTBank offers QuickCredit loans accessible via USSD. To apply, dial *737*51*51# on your mobile device. Follow the on-screen prompts to select the loan option and provide necessary details, such as the desired loan amount.
15. How to Get Glo Cash Loan using USSD Code
Glo subscribers can access quick loans by dialing 3221*Amount# on their mobile phones. After dialing, a menu will appear with various options. Select the loan option and follow the subsequent prompts.
16. How to Apply for Heritage Bank Loan using USSD Code
To request a loan from Heritage Bank, dial *322# on your mobile device. This USSD code provides access to the bank’s mobile services, including loan applications. Navigate through the menu to select the loan option and provide necessary information, such as the loan amount and repayment period.
17. How to Obtain Interswitch Loan using USSD Code
Interswitch offers quick loans via USSD by dialing *322# on your mobile phone. After dialing, follow the on-screen instructions to apply for a loan.
18. How to Access Keystone Bank Loan using USSD Code
Keystone Bank customers can apply for loans by dialing *533# on their mobile devices. This USSD code provides access to the bank’s mobile services, including loan applications. Navigate through the menu to select the loan option and provide necessary information, such as the loan amount and repayment period.
19. How to Get Kwik Cash Loan using USSD Code
To apply for a loan from Kwik Cash, dial *561# on your mobile phone. This USSD code provides access to their loan services. Follow the prompts to navigate to the loan application section.
20. How to Apply for Migo Loan using USSD Code
Migo offers quick loans via USSD by dialing *561# on your mobile device. After dialing, follow the on-screen instructions to apply for a loan.
21. How to Obtain MTN Cash Loan using USSD Code
MTN subscribers can access quick loans by dialing *606*4# on their mobile phones. After dialing, a menu will appear with various options. Select the loan option and follow the subsequent prompts.
22. How to Apply for Paga Loan using USSD Code
To request a loan from Paga, dial *242# on your mobile device. This USSD code provides access to their loan services.
23. How to Get Quickteller Loan using USSD Code
Quickteller offers loans via USSD by dialing *322# on your mobile phone. After dialing, follow the on-screen instructions to apply for a loan.
24. How to Access Skye Bank Loan using USSD Code
Skye Bank customers can apply for loans by dialing *833# on their mobile devices. This USSD code provides access to the bank’s mobile services, including loan applications.
25. How to Obtain Sterling Bank Loan using USSD Code
Sterling Bank customers can access quick loans by dialing *822# on their mobile phones. After dialing, a menu will appear with various options. Select the loan option and follow the subsequent prompts.
26. How to Apply for Trader Moni Loan using USSD Code
Trader Moni is a Federal Government initiative aimed at providing microloans to small-scale traders. To apply, dial *540# on your mobile device. Follow the on-screen instructions to provide necessary information, such as your personal details and business information.
27. How to Access UBA Bank Loan using USSD Code
UBA offers instant loans through its Click Credit service. To apply, dial *919*28# on your mobile phone.
28. How to Obtain Union Bank Loan using USSD Code
Union Bank customers can apply for loans by dialing *826# on their mobile devices. This USSD code provides access to the bank’s mobile services, including loan applications.
29. How to Get Unity Bank Loan using USSD Code
Unity Bank offers quick loans via USSD by dialing *7799# on your mobile phone. After dialing, follow the on-screen instructions to apply for a loan. Carefully select loan amount and period. Confirm and wait for approval.
30. How to Apply for Wema Bank Loan using USSD Code
Wema Bank customers can access quick loans by dialing *945# on their mobile phones. After dialing, a menu will appear with various options. Select the loan option and follow the subsequent prompts.
31. How to Obtain Zenith Bank Loan using USSD Code
Zenith Bank offers quick loans via USSD by dialing *966# on your mobile phone.
Things you should know
Before you apply for loan in Nigeria, put the following things at the back of your mind
- Don’t borrow if you can’t pay back
- Always check interest rate
- Don’t make upfront payment to any loan
Using ussd codes to apply for loan might be the easiest way but sometimes you’ll need to download app for higher loan offers.
Now you have a list of codes to apply for loans in Nigeria. Thank you for reading. If you have any question, ask us via the comment box
