USSD Code For Loans in Nigeria

There are quite a number of USSD codes for loans in Nigeria you can use to access quick loans without wasting time.

USSD which stands for Unstructured Supplementary Service Data is also known as quick code. It is a quick code because it requires dialing a code to access a loan from the comfort of your phone.

We all know how tedious it can be to go to a commercial bank seeking a loan. All the paperwork, collateral requirements, and stress involved. Notwithstanding, all the stress has been curtailed through the use of USSD.

As a customer, all that matters to access a loan is to get basic requirements which are usually your BVN, valid ID card & account details as well as the right code to access the loan. Fortunately, this USSD code for loans can be easily accessed through our extensive list.

All you need to do is to first and foremost, Know which loan provider you’re borrowing from, then get the functional USSD code from our extensive list.

Ensure you meet all specified requirements as each loan app has its requirements.

Dial the associated USSD code and follow the prompt message all through up to when you get the loan. If for any reason the code is not going through, you can still access your loan easily through their website or mobile app  

…you may also like: Top 10 Best Instant Loan Apps in Nigeria for 2025

Top USSD Code For Loans in Nigeria

Banks’ USSD Code For Loans in Nigeria

Microfinance Banks and Organization USSD Code For Quick Loan

Telecom USSD Code For Loans

Best Loan App In Nigeria

• Branch Loan
• Carbon Loan
• Quick Credit By GTbank
• Palm Credit Loan
• Fint Loans
• FairMoney Loan
• Kiakia Loans
• RenMoney Loans
• C24 Loans
• CreditVille Loans
• CreditDirect
• Alat Loans By Wema Bank
• Eyowo
• Aella Credit
• Okash
• Jumiapay
• Lcredit
• EasyCredit
• NewCredit
• Umba
• Quickcheck

What is USSD Banking?

USSD stands for Unstructured Supplementary Service Data (USSD) It is the technology that allows financial communication between mobile phones and customers.

The USSD code is available to all mobile phones with sms facility basic or smartphone

To use USSD mobile banking, users will have to dial a number that starts with “*” and end with “#”. For example, to access Carbon Loan using the USSD Code, dial *1303#

Requirement For USSD Codes Loans in Nigeria

• Sign up with a loan provider of your choice
• Your full name, BVN, email and physical address, and NIN or any valid ID card will be required
• Your bank account number
• The USSD code of the loan provider
• Alternate contact person
• A phone (basic or smart ) to dial the code

Note:

• Learn about loan repayment terms and conditions
• Ensure you meet the payment due date to avoid sanctions online

Verdict

The use of USSD for loans in Nigeria has revolutionized banking and the loan section. From the comfort of your phone you can access loans you would have otherwise wasted time queueing to get.

Another fun part is that you can access loans on your basic or smartphone whether you have access to the internet or not as long as you are using USSD code.

In Nigeria today, leveraging USSD codes for soft loans can really be of help, especially in times of urgent need. However, you must also note that most of the loan providers also have their in-house way of accessing you through artificial intelligence or credit score.

This credit score will determine the amount of loan you can be given at a time. Usually, if you are just starting out, you can only have access to small loans, but with time, when credibility is built, you can be trusted and hence enjoy bigger loans.

So it requires patience to get bigger loans from most loan providers

Please note that repayment is key to maintaining credibility without spoiling your reputation online.

Also always ensure that before you request a loan, you understand their terms and conditions as some might have clauses that might need explanation. If you are satisfied with them, then you can go ahead.

What USSD code for loans in Nigeria are you currently using? Comment below