List of Loan Codes in Nigeria (2026): USSD Codes for Instant Loans
Let’s say you need urgent cash and you don’t want to go through the problem of walking into a bank, filling forms, and waiting for somebody to approve your loan two weeks later.
Then suddenly, someone suggest that you should use a loan app but unfortunately, you don’t have internet connection and you don’t even have a smartphone to download the app.
Now, there’s a good news! You don’t have to do all that anymore. With just your phone, even a button phone, you can borrow money in Nigeria today using loan codes.
Just like that, no need for internet, no smart phone needed, no long queues, no excuses like “come back tomorrow.”
This article will guide you on what loan codes are, how they work, and the full list of loan codes for banks and loan apps in Nigeria.
You’ll always need this information, so do well to read through carefully, you should even bookmark this page, and share with others.
How Loan Codes Work?
Loan codes are known as USSD codes, and USSD stands for Unstructured Supplementary Service Data.
There are basically those short codes you dial on your phone that usually start with * and end with #.
Now, loan codes are designed to take you straight to the loan section of a bank or lending platform. So instead of going through the full banking menu and navigating up and down, you dial a direct code that takes you directly to their loan services.
How to Use Loan Codes?
Using these loan codes is as simple as ABC:
- Just dial the loan code on your phone
- A menu pops up on your screen
- You choose what you want
- Enter the required details
- The system checks your request and process it within few seconds
The whole thing usually take less than 5 minutes. The only things you typically need is a phone number that’s linked to your account.
List of Loan Codes in Nigeria (2026): USSD Codes for Instant Loans
Let’s start with the big banks you already know. Most of these banks offer quick loans services to their customers through USSD.
1. GTBank
- Loan Code for Quick Credit: *737*51*51#
- Code for Salary Advance: *737*82#
What you can do with this code:
- Apply for GT Quick Credit (this is a personal loan for regular GTBank customers)
- Apply for GT Salary Advance (only for salary earners)
- Check your loan eligible amount
2. Access Bank
- Loan Code: *901*11#
What you can do with this code:
- Apply for Access QuickBucks personal loan
- Check your loan eligibility instantly
- Request payday loan or small ticket personal loan
- Repay an existing Access Bank loan
3. Zenith Bank
- Loan Code: *966#
What you can do with this code:
- Access Zenith loan services section
- Apply for a personal loan based on your account activity
- Check loan eligibility
- Repay an existing loan
- Make Transfers
- Buy airtime
- Check account balance
4. First Bank
USSD Code: *894*11# or *894#
What you can do with this code:
- Apply for a FirstBank personal loan
- Check your eligible loan amount
- Access other services through *894# menu
- Repay an existing loan
5. UBA
- Loan Code: *919*28#
What you can do with this code:
- Apply for a UBA personal loan
- Check your loan eligibility
- Request a loan
- Repay an existing UBA loan
6. FCMB
- Loan USSD Code: *329*11# or *329#
What you can do with this code:
- Apply for FCMB instant personal loan
- Check the loan amount you are eligible for
- Access other FCMB services through the *329# menu
- Repay an existing loan
7. Fidelity Bank
- Loan USSD Code: *770*08#
What you can do with this code:
- Apply for a Fidelity Bank instant loan
- Check loan eligibility
- Repay existing loan
8. Stanbic IBTC
- Loan Code: *909*44#
What you can do with this code:
- Apply for a Stanbic IBTC personal loan
- Check loan amount you are eligible for
- Repay an existing loan
9. Union Bank
- Loan USSD Code: *826*41#
What you can do with this code:
- Apply for a Union Bank quick loan
- Check your loan eligibility
- Repay your existing loan
10. Wema Bank
- Loan USSD Code: *945*65#
What you can do with this code:
- Apply for a Wema Bank USSD loan
- Check your eligible loan amount
- Repay an existing loan
11. Sterling Bank
- Loan Code: *822#
What you can do with this code:
- Access the Sterling Bank loan services by navigating the USSD prompt
- Apply for a personal or salary loan
- Check your loan eligibility
- Repay an existing loan
12. Ecobank
- Loan USSD Code: *326#
What you can do with this code:
- Access the Ecobank loan services
- Apply for an Ecobank personal loan
- Check your loan eligibility
- Check your loan eligible amount
- Repay an existing loan
13. Polaris Bank
- Loan USSD Code: *833*44#
What you can do with this code:
- Apply for a Polaris Bank Personal Term instant loan
- Check your eligible loan amount
- Repay an existing loan
14. Unity Bank
- Loan USSD Code: *779*9#
What you can do with this code:
- Apply for quick Unity Bank payday loans
- Check your loan eligibility
- Access other USSD services from the same menu
- Repay an existing loan
Outside the traditional banks, you can easily use the loan USSD services of the following digital lenders to access their quick loan services:
14. FairMoney
- Loan USSD Code: *566*15#
What you can do with this code:
- Apply for a FairMoney personal loan
- Check your loan eligibility instantly
- Repay an existing FairMoney loan
- Buy airtime and data
- Transfer money
- Check your FairMoney account balance
- Works on MTN, Airtel, Glo, and 9mobile
15. Carbon (formerly Paylater)
- Loan Code: *130*3#
What you can do with this code:
- Fund your Carbon account (to top up before transactions)
- Access Carbon loan services (only for existing users that have completed the loan application on the Carbon app)
- USSD code works mainly on MTN and 9mobile
- Repay an existing loan via USSD funding
- Check your account balance
16. PalmPay
- Loan USSD Code: *861#
What you can do with this code:
- Access the PalmPay service menu
- Access Palmpay/palmcredit loan services
- Apply for quick loan (for existing users)
- Transfer money to any Nigerian bank
- Buy airtime and data
- Check your PalmPay wallet balance
- Pay bills
- Works on all networks — MTN, Airtel, Glo, 9mobile
See Also: Loan Apps Without BVN in Nigeria for Quick Loans 2026
17. Migo
- Loan USSD Code: *561#
What you can do with this code:
- Request a loan
- Check your current loan details
- Repay an existing Migo loan
- Extend your loan repayment period
- Works on all networks — MTN, Airtel, Glo, 9mobile
18. OPay
Loan USSD Code: *955#
What you can do with this code:
- Access the OPay service menu
- Access loan services (for existing users alone)
- Opay saving services
- Transfer money to any Nigerian bank
- Buy airtime and data
- Check your OPay wallet balance
- Pay bills
19. AB Microfinance Bank
- Loan USSD Code: *389*755#
What you can do with this code:
- Apply for a small business or personal loan
- Check loan eligibility
- Repay an existing loan
20. Accion Microfinance Bank
- Loan USSD Code: *572*6#
What you can do with this code:
- Apply for a micro business loan
- Check your loan eligibility
- Repay an existing loan
21. Paga
- Loan USSD Code: *242#
What you can do with this code:
- Access Paga’s financial services
- Access loan and credit services
- Send money
- Buy airtime
- Check your Paga wallet balance
See Also: IPPIS Loan: Code, Requirements, and How to Apply
Loan Codes List for Telecom-Based Lenders
The following Telecom-based lenders can give you access to their quick loan services with their USSD codes:
1. MTN
- Loan USSD Code: *303#
What you can do with this code:
- Check your MTN loan eligibility
- Request a small loan cash or airtime loan
- Repay an existing MTN loan
- Eligibility is based on your airtime usage and your MTN line status
2. Glo
- Loan USSD Code: *303#
What you can do with this code:
- Access Glo’s loan and airtime advance service
- Request a small loan
- Request Glo airtime advance
- Repay existing Glo loan
3. Airtel / 9mobile (Kwik Cash via Migo)
- Loan USSD Code: *303#
What you can do with this code:
- Access Kwik Cash loan services powered by Migo
- Request a quick personal loan
- Check your loan eligibility
- Repay an existing loan
Quick Overview of Loan USSD Codes in Nigeria
| Lender | Loan USSD Code |
|---|---|
| GTBank Quick Credit | *737*51*51# |
| GTBank Salary Advance | *737*8*2# |
| Access Bank | *901*11# |
| Zenith Bank | *966# |
| First Bank | *894*11# |
| UBA | *919*28# |
| FCMB | *329*11# |
| Fidelity Bank | *770*08# |
| Stanbic IBTC | *909*44# |
| Union Bank | *826*41# |
| Wema Bank | *945*65# |
| Sterling Bank | *822# |
| Ecobank | *326# |
| Polaris Bank | *833*4*4# |
| Unity Bank | *779*9# |
| FairMoney | *566*15# |
| Carbon | *130*3# |
| PalmPay | *861# |
| Migo | *561# |
| OPay | *955# |
| AB Microfinance Bank | *389*755# |
| Accion MFB | *572*6# |
| Paga | *242# |
Frequently Asked Questions
Can I use USSD code to borrow loan?
Yes! You can easily use USSD to borrow money from different lenders in Nigeria that offer USSD loan services.
How much can I borrow using a loan code?
It depends on the lender and your eligibility. Some lenders start from as low as ₦500 while others can give up to ₦500,000.
See Also: List of Loan Apps Approved by CBN 2026
Conclusion
With these USSD loan codes, you can easily apply for quick loans and the money will arrive instantly in your account before you even finish reading this article.
Use these loan codes only when you have genuine needs and remember to always repay on time.
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