Banking has evolved significantly in Nigeria. Unlike the old days of queuing endlessly at bank halls, you can now access loans instantly using USSD codes on your mobile phone. With or without internet, these short codes let you borrow money, transfer funds, pay bills, and much more—directly from your phone.
- UBA sort codes across Nigeria
- USSD codes for MTN 1gb and 500mb data free
- All Accesss bank sort codes
This guide provides an updated list of USSD loan codes for Nigerian banks, microfinance institutions, mobile networks, and fintech apps in 2025.
Quick Guide
- What is USSD?
- What is USSD Banking?
- How to Apply for Loans with USSD Codes
- Requirements for Loan Approval
- USSD Codes for Loans in Nigeria (Banks, Networks, Apps)
- USSD Codes for Banks
- USSD Codes for Civil & Public Services
What is USSD?
USSD stands for Unstructured Supplementary Service Data. It is a set of quick codes you dial on your phone (e.g. *737#) to access banking, telecom, or payment services without needing internet or a smartphone.
What is USSD Banking?
USSD banking allows you to perform financial transactions from any type of phone—basic or smartphone—without internet access. You only need the right code for your bank or service provider.
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With it, you can:
- Check balances
- Transfer funds
- Pay bills
- Buy airtime
- And most importantly, get instant loans
How to Apply for Loans with USSD Codes
- Choose a loan provider (bank, fintech, or network).
- Dial the USSD loan code.
- Enter the required details (BVN, amount, repayment tenor).
- Follow the on-screen prompts.
- Get funds credited directly into your account.
Requirements to Get an Online Loan in Nigeria
- BVN (Bank Verification Number)
- Bank account number
- Mobile number linked to BVN
- Purpose of loan (depends on the provider)
- Clean credit history (for some lenders)
USSD Codes for Loans in Nigeria (Banks, Networks, Apps)
| Loan Platform | USSD Code |
|---|---|
| AB Microfinance Bank | 389755# |
| Access Bank (PayDay Loan) | 90111# |
| Accion Microfinance Bank | 5726# |
| Airtel Quick Cash | *561# |
| ALAT by Wema Bank | 945100# |
| Aledin Nano | *903# |
| Carbon (Paylater) | *1303# |
| Ecobank Xpress | *326# |
| 9mobile Loan (KwikCash/Migo) | *561# |
| Fairmoney | 3222# |
| FCMB (FastCash) | *329# |
| First Bank FirstAdvance | 89411# or *894# |
| Glo Cash | 322104225701Amount# |
| GTBank QuickCredit | 73751*51# |
| Interswitch Quickteller | *322# |
| Migo (KwikMoney) | *561# |
| MTN Cash | 6064# |
| Trader Moni (FG Scheme) | *540# |
| Paga | *242# |
| Payattitude | *569# |
| UBA (Click Credit Loan) | 91928# |
| Unity Bank Loan | *7799# |
| Zenith Bank Loan | *966# |
USSD Codes for Banks in Nigeria
| Bank | USSD Code |
|---|---|
| Access Bank | *901# |
| Ecobank | *326# |
| FCMB | *329# |
| Fidelity Bank | *770# |
| First Bank | *894# |
| GTBank | *737# |
| Heritage Bank | *322# |
| Keystone Bank | *533# |
| Polaris Bank | *833# |
| Stanbic IBTC | *909# |
| Sterling Bank | *822# |
| UBA | *919# |
| Union Bank | *826# |
| Unity Bank | *779# |
| Wema Bank | *945# |
| Zenith Bank | *966# |
| Jaiz Bank | *773# |
USSD Codes for Civil & Public Service
| Organisation | USSD Code | Purpose |
|---|---|---|
| BVN Check | 5650# | Verify your BVN |
| CRC Credit Bureau | 5658# | Check credit history |
| Lagos DV & Child Abuse | *6820# | Report abuse |
| Mcash | 402SellerCode*Amount# | Merchant payments |
| Abuja Electricity Distribution | 242803# | Prepaid (via Paga) |
| Abuja Electricity Distribution | 322104313801Amount# | Postpaid |
| DStv | *288# | Self-service |
| Paga | *242# | User services |
Conclusion
USSD loan codes have made borrowing money in Nigeria faster and more accessible than ever. Whether you bank with Access, Zenith, GTBank, or prefer fintechs like Carbon and Fairmoney, there’s a code that lets you borrow instantly.
We trust this 2025 updated guide has been helpful. Share it with friends and family who may need quick financial help.
