USSD Code for Loans in Nigeria

Banking has taken a new dimension in recent times and you quite agree with me that it has gotten a whole better now unlike the days of long queuing in banks and at the end not achieving your banking goal for the day.

Back then to get a loan can be an herculean task but now with internet banking, mobile banking and others, financial transactions are more convenient and faster to perform.


In this post, we will show you what the USSD platform is, and how you can use it to access a quick loan.

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What is USSD? 

It is known as Unstructured Supplementary Service Data (USSD). It can be used for a range of things – callback service, mobile-money, content, and information, or to provide network configuration services. In this case, we consider how the use of USSD in banking.

What is USSD Banking? 

Unstructured Supplementary Service Data (USSD) is a set of codes that permits users to perform financial transactions from any phone without the need for internet or app. It involves the use of any phone to dial sets of short codes for instance *737# or the *444# to perform a particular banking task.

More importantly, you can use USSD codes to get loans. 

How to Apply for Loans Using USSD Codes

It requires a few easy to do process from the comfort of your zone and phone

  • Know which loan provider you’re borrowing from. 
  • Get the functional USSD code
  • Meet all specified requirements
  • Dial the code
  • Follow the prompt
  • Get your loan

USSD Code for Loans in Nigeria 

We also shorlisted some of the versatile codes for getting any kind of loan. It is fast and convinient. Some USSD Codes for loans in Nigeria are: 

PlatformUSSD Code for Loans
AB Microfinance Bank*389*755#
Access Bank Payday*901*11#
Accion Microfinance Bank*572*6#
Airtel Quick Cash*561#
ALAT Loan By Wema Bank*945*100
Aledin Nano*903#
Carbon Paylater*1303#
Ecobank Xpress*326#
First Bank First Advance*894*11# or *894#
Glo Cash*322*1*04225701*Amount#
GTBank QuickCredit*737*51*51#
MTN Cash*606*4#
Trader Moni*540#
Quickteller Loan (Airtel, MTN & 9mobile)*322#
Quickteller – Glo Users*805#

USSD Codes of Nigerian Banks

We have made a shortlist of all or most banks in Nigeria and they are as shown below

Commercial BanksUSSD Code
Guarantee Trust Bank*737#
Fidelity Bank*770#
First Bank*894#
Wema Bank*945#
Skye Bank*833#
Sterling Bank*822#
Diamond Bank*710#
Eco Bank*326#
Diamond Access*901#
Unity Bank*7799#
UBA Bank*919#
Union Bank*826#
Heritage Bank*322#
Keystone Bank*533#
Access Bank*901#
Zenith Bank*966#

Requirements to get an online loan in Nigeria

There are some terms and conditions that must be met before you can secure any kind of loan and you need provide such details, including the following:

  • BVN Number
  • Bank Account number
  • Amount (money)
  • Purpose of loan (depends on the source)
  • And other information deemed necessary.


The ussd code is a form on monetary transaction introduced to make life and banking transaction easy and flexible for people. We trust this post has been helpful? kindly share with friends and family

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