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How to Get Instant Loan in Nigeria Using USSD Code

Discover how to access instant loans in Nigeria using USSD codes, making financial transactions quick and convenient without visiting a bank.



How to Get Instant Loan in Nigeria Using USSD Code

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  • Nigerians can now get instant loans quickly and easily with USSD codes, so they don’t have to go to a bank.
  • USSD Banking lets people use short codes to do financial transactions without needing to be connected to the internet.
  • To apply for a loan, choose a loan provider, get the needed USSD code, make sure you meet the requirements, dial the code, and follow the on-screen instructions.
  • Compare loan offers from different providers to secure the best deal.

In the past, to get a loan, you had to go to a bank, talk to an account or loan officer, fill out an application form, and then wait for approval.

Thankfully, times have changed, and now you can access loans in Nigeria using USSD codes, making the process much more efficient and convenient.

This article will tell you everything you need to know about USSD loans, including what they are and how to use them to get a loan.

currency in nigeria
Photo by ismail seghosime on

Understanding USSD and USSD Banking:

USSD stands for “Unstructured Supplemental Service Data.” These codes, which are also called “quick codes,” let you use your mobile network provider to get to different services. These services can include callback services, mobile money, content and information, or network configuration services.

USSD Banking is a banking method that allows you to perform financial transactions from your mobile phone using these quick codes. This service only requires a cellular network and does not need an internet connection. With USSD banking, you can perform various financial transactions, such as transferring money, purchasing airtime, and even applying for loans.

Applying for Loans Using USSD Codes:

A Step-by-Step Guide To apply for a loan via USSD, follow these simple steps:

  1. Choose your loan provider: Research and decide on the best loan provider for your needs. Don’t forget to compare loan offers from different lenders before making a decision.
  2. Obtain the USSD code: Find the specific USSD code for your chosen loan provider.
  3. Fulfill the requirements: Ensure you meet all the requirements specified by the loan provider. This may include having an account with a bank, providing your full name, bank verification number, account details, address, and any additional information the provider requests.
  4. Dial the code: Input the USSD code into your phone and follow the prompts that appear on the screen.
  5. Complete the process: Follow the on-screen instructions to complete your loan application.

USSD Codes for Loans in Nigeria:

Each loan provider has its own USSD code for accessing their loan services. Some popular USSD codes for loans in Nigeria include:

PlatformUSSD Code for Loans
AB Microfinance Bank*389*755#
Access Bank Payday Loan*901*11#
Accion Microfinance Bank*572*6#
Airtel Quick Cash*561#
ALAT Loan By Wema Bank*945*100#
Aledin Nano*903#
Carbon Loan*1303#
Ecobank Xpress*326#
Fairmoney Loan*322*2#
First Bank First Advance*894*11# or *894#
Glo Cash*322*1*04225701*Amount#
GTBank Soft Loan (QuickCredit)*737*51*51#
Migo Loan*561#
MTN Cash*606*4#
Trader Moni*540#
Paylater USSD Code*1303#
Quickteller Loan (Airtel, MTN & 9mobile)*322#
Quickteller – Glo Users*805#
UBA Loan Code*919#
Unity Bank Loan Code*7799#
Zenith Bank Loan*966#

Requirements for Accessing Loans via USSD Codes:

While USSD loans are convenient, there are still some requirements to fulfill. Most banks require you to have an active account with them to access loans through USSD. However, some instant loan providers do not require an account. In addition to account requirements, you may need to provide personal information, such as your full name, bank verification number, account details, and address.


Applying for a loan in Nigeria has never been easier, thanks to USSD codes. These quick codes allow you to access loans from various providers without visiting a bank, saving you time and energy. Before you apply for a loan using USSD codes, remember to research and compare loan offers to ensure you get the best deal. Happy borrowing!

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I have a passion for blogging about what's trending in Hip-Hop, politics and entertainment. I'm a huge Hip-hop fan; my favorite artiste are Chris Brown, Jay'z & Beyonce. I also enjoy spending time with my team (#TeamWE), and working hard as hard work pays off.


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