USSD Code For Loans In Nigeria [EVERYTHING YOU NEED]

There are times when you will need a loan and for some reason, you will want to use the platform\’s USSD platforms. It could be because of a lack of internet, personal preferences or any other things, it doesn\’t really matter. I have written about various loan apps and platforms in Nigeria, and you can check out the article.

This article is about the USSD code for loans in Nigeria.
USSD, otherwise known as quick codes is the acronym for Unstructured Supplementary Service Data. They are codes used to access a wide range of tools from your phone, which in most cases would have required internet access.

These codes range from but are not limited to checking of balances, bank transactions, texting on social media and more.

What is USSD banking?

USSD banking simply refers to a system of technology that involves running financial transactions on your phone using short or quick codes.
An example of a USSD code is the *556# we use in recharging our MTN Nigeria network. They generally begin with * in most cases and end with #, but there have been also some exceptions like codes starting with #.

With USSD banking, you can access a wide range of tools like checking of balance, recharging of phone, transferring of funds and even locking of your account in the case of a theft.

How To Apply For A Loan Using USSD

To apply for a loan using a short code, you need to:

  • Know the loan provider you are trying to apply from
  • Check their requirements and read up on their terms and conditions
  • Get their functional USSD code
  • Dial the code and follow the prompt
  • Get your loan
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That is all.

USSD Codes For Loan Providers In Nigeria

To access a loan from a provider in Nigeria, all you need to do is dial the USSD code and follow the promot.

Some of the shortcodes for popular loan providers include:-

Access Bank Payday Loan *901*11#
Airtel Quick Cash *561#
ALAT Loan By Wema Bank *945*100
Aledin Nano *903#
AB Microfinance Bank *389*755#
Accion Microfinance Bank *572*6#
Carbon Loan *1303#
Etisalat *561#
Ecobank Xpress *326#
FCMB *329#
Fairmoney Loan *322*2#
First Bank First Advance *894# or *894*11#
GTBank Soft Loan (QuickCredit) *737*51*51#
Glo Cash *322*1*04225701*Amount#
Interswitch *322#
Kwikcash *561#
MTN Cash *606*4#
Migo Loan *561#
Trader Moni *540#
Payattitude *569#
Paga *242#
Paylater USSD Code *1303#
Quickteller – Glo Users *805#
Quickteller Loan (Airtel, MTN & 9mobile) *322#
Unity Bank Loan Code *7799#
UBA Loan Code *919#
Zenith Bank Loan *966#

The USSD codes work for all major Nigerian telecommunication networks except otherwise specified.
We will be updating the list with any missed ones, you can drop a comment as well.

Requirements for Getting a Loan Via USSD

The USSD code for loans in Nigeria makes things easier no doubt, but you will also need to fulfil; some requirements.

In most cases, you\’ll be needing to provide:-

  • Full names
  • Bank Verification Number (BVN)
  • Account details
  • Address


If you are using a bank, all you need to do in most cases is have an account running with them.
You also need to know that loans have time durations and late payment could increase your expenses, affect your credit score and more.

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