Full List of USSD Codes for Loans in Nigeria 2024/2025

Are you a Nigerian in need of quick and convenient access to financial assistance? Do you find yourself in situations where a loan could alleviate immediate financial needs? If so, the innovative world of USSD Codes for loans in Nigeria might be the solution you’ve been looking for.

In this article, we’ll show you the complete list of USSD Codes for quick access to loans in Nigeria and how it provides users with the ability to apply for loans directly from their mobile phones.

USSD stands for Unstructured Supplementary Service Data. It is a short codes that users can input on their mobile devices to access various services, such as checking account balances, recharging airtime, or applying for loans.

Banks USSD codes for loans

Banks USSD Loan Codes
First Bank of Nigeria *894*11#
Access Bank Plc *901*11#, *426*11#
United Bank for Africa (UBA) *919*28#
Guaranty Trust Bank (GTBank) *737*51*51#
Zenith Bank *966*11#
Polaris Bank *833*12#
First City Monument Bank (FCMB) *329*11#
Sterling Bank *822#
Stanbic IBTC Bank *822*28#
Fidelity Bank Plc *770*08#
Union Bank of Nigeria *826*41#
Keystone Bank *711*144#
Ecobank *326#
Wema Bank *945*65#
SunTrust Bank *523*0#
Unity Bank *779*951#
AB Microfinance Bank *389*755#
Accion Microfinance Bank *572*6#
Heritage Bank *745#
ALAT Loan By Wema Bank *945*100#

Mobile Loan Apps USSD Codes for Loans

Mobile Loan Apps USSD Loan Codes
FairMoney *566*15#
Renmoney *723*730*01#
Carbon (Pay later) *130*3#
Kwik Cash (Migo) *561#
Lapo *371#
Easemoni *347*334#
Liberty Assured *347*505#
Paga *242#
Trader Moni *540#
Opay *955#
Palmpay *652#
Zedvance *347*334#
KiaKia *448#

Other loans

Loans USSD Codes for Loans
Glo Cash *322*1*04225701*Amount#
Quickteller Loan (Airtel, MTN & 9mobile) *322#
Quickteller – Glo Users *805
Airtel Quick Cash *561#
Aledin Nano *903#
Etisalat *561#
Interswitch *322#
MTN Cash *606*4#
Payattitude *569#

These codes have become an essential part of banking and financial services in Nigeria.

USSD Codes for loans enable users to initiate loan applications, check their eligibility, and interact with financial services directly from their mobile devices.

This technology is particularly advantageous in areas with limited internet connectivity, making financial services more accessible to a wider range of users.

Users can dial specific USSD Codes provided by their banks or lending institutions to access loan-related services quickly and conveniently.

Benefits of Using USSD Codes to Apply for Loans

  • USSD codes are like magic phone shortcuts that let you request a loan right from your mobile, no internet required.
  • They make sure your loan requests are processed super fast, and once approved, the money is sent to you in a snap.
  • Even if you’re in a village or far-away place, you can use USSD codes to get a loan – it’s like a loan superpower for everyone.
  • USSD loans keep your info safe and sound with secret codes and protection for your personal details.
  • USSD loans are easier to get because they don’t have many rules, so more people can use them and get the help they need.

How to Apply for Loans With USSD Codes

1. Choose the lender from which you want to borrow money, considering different loan products and terms.

2. Obtain the functional USSD code for the specific loan provider, typically a combination of numbers starting with * and ending with #.

3. Ensure you meet all specified requirements, such as having an active account with the bank, providing personal details (full name, BVN, account details, and address).

4. Some lenders may require registration for their USSD service, involving personal information and profile setup.

5. Dial the USSD code and follow on-screen prompts, including selecting the loan amount, tenure, and other relevant details.

6. Submit your loan application through the USSD code platform after completing all necessary fields.

7. Wait for the lender to process your request and notify you of their decision, which may include approval or rejection.

Requirements for Using USSD Codes to Borrow Money

  • Your mobile phone must support USSD codes and have a registered mobile number.
  • Must have active bank account with the lending institution.
  • You may need to register for the USSD service.
  • Some lenders may require a certain credit score.
  • Must agree with the interest rates, repayment periods, and any fees.


Q: What is the purpose of USSD codes for loans?

A: USSD codes for loans serve as shortcuts on your mobile phone, allowing you to request a loan without needing an internet connection.

Q: How quickly are loan applications processed with USSD codes?

A: USSD codes ensure swift processing of loan applications, and once approved, the funds are disbursed immediately.

Q: Are USSD loan services available in remote areas?

A: Yes, USSD loan services are inclusive and accessible, even in rural or remote areas, providing financial access to a broader population.

Q: How does USSD ensure the security of loan applications?

A: USSD loan applications offer enhanced security through encrypted transactions, keeping personal data protected.

Q: Are USSD loans easy to qualify for?

A: Yes, USSD loans often have lower eligibility criteria, making them accessible to a broader range of individuals, providing an easier option for obtaining financial assistance.


Using USSD codes for loans is like having a quick and easy way to get money on your phone. It’s fast, works everywhere, and keeps your information safe. Plus, it’s open to more people, so it’s like a helpful tool for anyone who needs a bit of financial support. So, in conclusion, USSD codes make getting a loan simple, quick, and accessible to many.

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