Instead of checking an exhaustive list of loan apps, did you know you can access a whole catalog of USSD Codes for loans in Nigeria? Find them below. (Updated 2025)
USSD Codes for Loans in Nigeria
USSD is an acronym that stands for Unstructured Supplementary Service Data. It’s also known as quick code. As the name implies, they are codes used to access options through your mobile telecommunication network provider.
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To apply for a loan via USSD, you simply need to input the code into your phone and follow the prompts that pop up. Some USSD Codes for loans in Nigeria are:
| Bank Name | USSD Code |
|---|---|
| AB Microfinance Bank | *389*755# |
| Access Bank Payday Loan | *901*11# |
| Airtel Quick Cash | *561# |
| ALAT Loan By Wema Bank | *945*100# |
| Aledin Nano | *903# |
| Carbon Loan | *1303# |
| Ecobank Xpress | *326# |
| 9Mobile | *561# |
| Fairmoney Loan | *566*15# |
| FCMB | *329# |
| First Bank First Advance | *894*11# or *894# |
| GTBank QuickCredit | *737*51*51# |
| Interswitch | *322# |
| Kwikcash | *561# |
| Migo Loan | *561# |
| MTN Cash | *606*4# |
| Accion Microfinance Bank | *572*6# |
| Trader Moni | *540# |
| Paga | *242# |
| Payattitude | *569# |
| Quickteller (Airtel, MTN & 9mobile) | *322# |
| Quickteller Loans | *723*6# |
| Zenith Bank Loan | *966# |
Important Notes:
— Most services require prior registration through their mobile apps
— Interest rates vary by provider (typically 5-15% monthly)
— You’ll need BVN (Bank Verification Number)
— Loan amounts increase with repayment history
— Always compare rates and terms before borrowing
Recommended Reading:
- 9 Top Loan Mobile Apps in Nigeria – No Collateral!
- What Nigerian Banks need to Learn from Kenya Mpesa
- Kuda Bank Review – Are they the future of digital banking in Nigeria?
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