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Loan Code in Nigeria, USSD Code for Loans in Nigeria, Shortcode to Borrow Loan

Introducing the Loan Code in Nigeria, the USSD code that opens doors to quick and convenient access to loans right from your mobile phone. With the Loan Code, you can wave goodbye to lengthy paperwork, complicated applications, and time-consuming approval processes.

This USSD code is designed to provide instant loan solutions, tailored to meet your financial requirements. Whether you need emergency funds, want to bridge a temporary financial gap, or have a specific purpose in mind, the Loan Code is your shortcut to financial assistance. By simply dialing a shortcode on your mobile device, you unlock a world of loan opportunities that can help you achieve your goals and overcome unexpected challenges.

Gone are the days of visiting multiple banks, submitting numerous documents, and waiting anxiously for loan approvals. The Loan Code brings simplicity and speed to the borrowing process. With just a few taps on your phone, you can access a range of loan options, select the one that suits you best, and receive funds directly into your account in no time.

Whether you’re a business owner, a salaried employee, or a self-employed individual, the Loan Code provides equal access to financial assistance, regardless of your background or credit history. It eliminates the need for collateral or extensive documentation, focusing instead on providing loans that are tailored to your financial situation and repayment capacity.

Join the thousands of Nigerians who have embraced the convenience and accessibility of the Loan Code. Experience the freedom to borrow money whenever you need it, without the hassle and stress that traditional lending processes often entail. Take advantage of this powerful tool to meet your financial needs, seize opportunities, and build a brighter future.

Say goodbye to lengthy loan applications and endless waiting. With the Loan Code, your financial solutions are just a few digits away. Discover the power of the USSD code for loans in Nigeria and unlock a world of financial possibilities right at your fingertips.

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Loan Codes For Microfinance Banks In Nigeria 

  1. AB Microfinance Bank Nigeria – Dial 389755#
  2. ABM Microfinance Bank – Dial 389755#
  3. Accion Microfinance Bank – Dial *572#
  4. Accion MfB Limited – Dial *572#
  5. Addosser Microfinance Bank – Dial 90111*3#
  6. Aledin Microfinance Bank – Dial 322265#
  7. Baobab Microfinance Bank – Dial 389011#
  8. BOSAK Microfinance Bank – Dial 3227878#
  9. Bowen Microfinance Bank – Dial 3222345*Amount#
  10. BOWEN Microfinance Bank – Dial 3222345*Amount#
  11. Cititrust Microfinance Bank – Dial 322552#
  12. Cooperative Microfinance Bank – Dial 389755#
  13. Credit Afrique Microfinance Bank – Dial 389755#
  14. Deltamek Microfinance Bank – Dial 389755#
  15. Ekiti State Microfinance Bank – Dial 389755#
  16. FBN Microfinance Bank – Dial 389755#
  17. Fina Trust Microfinance Bank – Dial 3291*4#
  18. Gateway Microfinance Bank – Dial 322560#
  19. Grooming Microfinance Bank – Dial 389755#
  20. HASAL Microfinance Bank – Dial 322097#
  21. Hasal Microfinance Bank – Dial 322092#
  22. Ibadan Microfinance Bank – Dial 3224010*Amount#
  23. Ile-Ife Microfinance Bank – Dial 322261#
  24. Infinity Microfinance Bank – Dial 3227878#
  25. Infinity Microfinance Bank – Dial 3227878*Amount#
  26. Iwo Microfinance Bank – Dial 322554#
  27. Jigawa Microfinance Bank – Dial 3227080*Amount#
  28. LAPO Microfinance Bank – Dial 4561#
  29. Lapo Microfinance Bank – Dial 4561#
  30. Lion’s Microfinance Bank – Dial 389755#
  31. Mainstreet Microfinance Bank – Dial *540#
  32. Mainstreet Microfinance Bank – Dial *540#
  33. Mutual Trust Microfinance Bank – Dial 389755#
  34. NPF Microfinance Bank – Dial 389755#
  35. NPF Microfinance Bank – Dial 389755#
  36. Page Microfinance Bank – Dial 3227020#
  37. Page Microfinance Bank – Dial 3227020*Amount#
  38. Parallex Microfinance Bank – Dial 322257#
  39. Pepper Microfinance Bank – Dial 3227000#
  40. Platform Capital Microfinance Bank – Dial 389755#
  41. Regent Microfinance Bank – Dial *536#
  42. Seedvest Microfinance Bank – Dial 3221234*Amount#
  43. Smeeone Microfinance Bank – Dial 389755#
  44. Smile Microfinance Bank – Dial 322777#
  45. TAj Bank Microfinance Bank – Dial 322300#
  46. Trust Microfinance Bank – Dial 322777#
  47. UBA Microfinance Bank – Dial 389755#
  48. Vista Microfinance Bank – Dial 389755#
  49. Wema Bank ALAT Microfinance Bank – Dial 389755#
  50. Zedvance Microfinance Bank – Dial 389755#
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Loan Codes For Commercial Banks In Nigeria 

  1. Access Bank: 90111#
  2. Ecobank: *326#
  3. Fidelity Bank: *770#
  4. First Bank: 89411#
  5. FCMB (First City Monument Bank): *329#
  6. Guaranty Trust Bank (GTBank): 73751*51#
  7. Heritage Bank: *745#
  8. Keystone Bank: *7111#
  9. Polaris Bank: 83312#
  10. Providus Bank: 770123#
  11. Stanbic IBTC Bank: *909#
  12. Sterling Bank: 8228#
  13. SunTrust Bank: *523#
  14. Titan Trust Bank: *922#
  15. Union Bank: *826#
  16. United Bank for Africa (UBA): *919#
  17. Unity Bank: *7799#
  18. Wema Bank: *945#
  19. Zenith Bank: 96611#
  20. Jaiz Bank: 389301#
  21. Stanbic Mobile: *909#

How to Access Quick Loans Using USSD Codes

  1. Find the Right Quick Loan Provider: There are several financial institutions and loan providers in Nigeria that offer quick loans via USSD codes. Research and identify reputable providers that align with your financial needs and requirements. Consider factors such as interest rates, loan terms, repayment options, and customer reviews.
  2. Check Eligibility Criteria: Each quick loan provider may have specific eligibility criteria that borrowers must meet. These criteria may include minimum age, employment status, minimum income requirement, and credit history. Ensure that you meet the eligibility criteria before proceeding with the loan application.
  3. Dial the USSD Code: To access quick loans using USSD codes, dial the specific USSD code provided by your chosen loan provider. The code typically begins with an asterisk (*) or a pound (#) sign followed by a combination of numbers. This code serves as a gateway to the loan application process.
  4. Follow the Prompts: Once you dial the USSD code, you will be presented with a menu of options. Follow the prompts carefully and select the appropriate option for loan application. The menu may include options for loan amount, repayment period, and other relevant details. Enter the requested information accurately.
  5. Provide Required Information: During the loan application process, you may be asked to provide certain information such as your personal details, employment information, bank account details, and proof of identity. Ensure that you have this information readily available to expedite the application process.
  6. Accept Terms and Conditions: Before finalizing your loan application, you will typically be presented with the terms and conditions of the loan. Take the time to read and understand these terms thoroughly. If you agree to the terms, proceed by accepting them as prompted.
  7. Receive Loan Approval and Disbursement: After completing the application process, the loan provider will assess your application and determine your eligibility. If approved, the loan amount will be disbursed directly to your designated bank account or mobile wallet. The timeframe for disbursement may vary depending on the loan provider.
  8. Repay the Loan: Once you have utilized the loan amount, it’s crucial to repay it within the agreed-upon repayment period. The loan provider will typically deduct the repayment amount directly from your bank account or mobile wallet. Failure to repay the loan on time may result in additional charges or penalties.
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Requirements To Get A Loan In Nigeria

  1. Employment Status: Some lenders require borrowers to be employed or have a steady source of income. Self-employed individuals may need to provide additional documents, such as business registration certificates or audited financial statements.
  2. Bank Account: Most lenders prefer borrowers to have an active bank account. This facilitates loan disbursement and repayment processes. You may need to provide bank statements or account details as part of the application process.
  3. Credit History: Lenders often consider your credit history to assess your creditworthiness. A positive credit history, indicating responsible borrowing and timely repayments, can increase your chances of loan approval. However, some lenders may also offer loans to individuals with limited or no credit history.
  4. Age: You must be at least 18 years old to apply for a loan in Nigeria. Some lenders may have a higher age requirement, such as 21 or 25 years.
  5. Collateral (for Secured Loans): If you are applying for a secured loan, which requires collateral, you will need to provide acceptable assets that can be used as security. These assets can include land, property, vehicles, or other valuable possessions.
  6. Nigerian Citizenship: Typically, lenders require applicants to be Nigerian citizens or have a valid residence permit in the country.
  7. Valid Identification: You will need a valid form of identification, such as a National Identification Card, International Passport, Permanent Voter’s Card, or Driver’s License. The identification document should be current and not expired.
  8. Proof of Income: Lenders want assurance that you have a stable source of income to repay the loan. They may request documents such as bank statements, payslips, employment letters, or tax clearance certificates to verify your income.
  9. Loan Purpose: Depending on the type of loan, lenders may require you to specify the purpose of the loan. Common purposes include business financing, education, home improvement, medical expenses, or debt consolidation.
  10. Documentation: Prepare all necessary documentation to support your loan application. This may include completed application forms, identification documents, proof of income, bank statements, and any other specific documents requested by the lender.
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What is the USSD code for fast credit? 

The USSD code for fast credit is *5125#.

What is the code for XtraCash loan? 

The code for XtraCash loan is 6064#.

What is the loan code for 2023 in Nigeria? 

The loan code for 2023 in Nigeria may vary depending on the lender.

What is the code for smart cash loan? 

The code for smart cash loan is *939#.

What is the USSD code for Lcredit loan? 

Lcredit does not have a USSD code for transactions. For specific information on their loan services and application process, it is recommended to visit their official website or contact their customer support.


In conclusion, the availability of loan codes and USSD services in Nigeria has greatly simplified the process of borrowing money. These convenient and user-friendly platforms allow individuals to access quick loans without the need for extensive paperwork or visiting physical bank branches. By simply dialing the designated loan codes on their mobile phones, Nigerians can explore various loan options, submit applications, and receive funds directly into their bank accounts.

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