Need a quick loan without data or internet? The 2025 loan codes update might be the most useful thing you’ll read today. If you’ve ever stood in a queue at the bank or waited days for loan approval, you’ll know how valuable speed is. Now, imagine getting a loan with just a few taps on your phone—no smartphone, no data, no stress.
This article presents a full guide to the updated loan codes in 2025. We’ll cover all the major banks and fintechs in Nigeria. We’ve written this with real Nigerians in mind—those who need money fast, without jumping through hoops. By the end of this article, you’ll know exactly which loan code to dial depending on your bank or financial service provider.
All Quick Loan Codes in Nigeria for 2025
Here’s a breakdown of all known USSD loan codes for Nigerian banks and fintechs as of 2025.
1. Access Bank Loan Code
– Loan Code: `*901*11#`
– Loan Type: Payday, Salary Advance
– Requirements: Active salary account, BVN
– Repayment: Monthly or at salary credit
2. GTBank Loan Code
– Loan Code: `*737*51*51#`
– Loan Type: Quick Credit
– Requirements: GTBank account, BVN
– Repayment: Monthly with interest
3. First Bank Loan Code
– Loan Code: `*894*11#`
– Loan Type: FirstAdvance
– Requirements: First Bank salary account
– Repayment: Automated from salary
4. Zenith Bank Loan Code
– Loan Code: `*966*11#`
– Loan Type: Salary Advance
– Requirements: Active Zenith salary account
– Repayment: From next salary
5. UBA Loan Code
– Loan Code: `*919*28#`
– Loan Type: Click Credit
– Requirements: UBA account, BVN
– Repayment: Monthly
6. Fidelity Bank Loan Code
– Loan Code: `*770*08#`
– Loan Type: Personal Loan
– Requirements: Salary account with Fidelity
– Repayment: Monthly deduction
7. Stanbic IBTC Loan Code
– Loan Code: No direct USSD (apply via mobile app or request at branch)
– Loan Type: EZ Cash
– Note: While they use USSD for banking, their loan is app-based.
See also: Best 9mobile Data Plans in Nigeria (2025): Cheapest and Fastest
8. Union Bank Loan Code
– Loan Code: `*826*41#`
– Loan Type: Salary Advance
– **Requirements: Union Bank salary account
– Repayment: From salary
9. Keystone Bank Loan Code
– Loan Code: `*7111*33#`
– Loan Type: Salary-based loan
– Requirements: Active account
– Repayment: Monthly
10. Ecobank Loan Code
– Loan Code: `*326*11#` (Check eligibility)
– Loan Type: Xpress Loan
– Requirements: Ecobank account
– Repayment: Monthly
11. FCMB Loan Code
– Loan Code: `*329*11#`
– Loan Type: FastCash
– Requirements: FCMB account, BVN
– Repayment: Monthly or from account balance
12. Wema Bank (ALAT) Loan Code
– Loan Code: `*945*65#`
– Loan Type: Quick Loan via ALAT
– Requirements: Wema Bank account
– Repayment: Monthly
13. Polaris Bank Loan Code
– Loan Code: `*833*12#`
– Loan Type: Salary Advance
– Requirements: Polaris account
– Repayment: From salary
14. Jaiz Bank Loan Code
– Loan Code: Currently not available via USSD (apply via branch)
– Loan Type: Sharia-compliant microfinance
15. Sterling Bank Loan Code
– Loan Code: `*822*6#`
– Loan Type: Specta Loan via Sterling
– Requirements: Bank account
– Repayment: Monthly
Read also: The Official List of Loan Apps Approved by CBN (As of 2025)
Fintech Loan Codes in Nigeria (2025)
Fintechs have made loans even easier. Some don’t require a bank account or salary.
1. Carbon
– Loan Code: `*1303#`
– Loan Type: Instant loans
– Requirements: Phone number, BVN
– Repayment: Bank transfer or wallet
2. FairMoney
– Loan Code: `*322*2#`
– Loan Type: Microloans
– Requirements: BVN
– Repayment: App or bank transfer
4. PalmPay
– Loan Code: `*652#`
– Loan Type: PalmCredit
– Requirements: PalmPay wallet
– Repayment: Wallet or debit card
6. QuickCheck
– Loan Code: `*561#`
– Loan Type: Fast loans
– Requirements: BVN and phone
– Repayment: Bank account or wallet
7. Okash
– Loan Code: `*955#`
– Loan Type: Instant loan
– Requirements: OPay account
– Repayment: Wallet or debit card
Tips for Using Loan Codes Wisely
– Don’t borrow more than you are sure you can repay—you don’t want to land on blacklists.
– It is important to realize that some lenders use daily interest calculations.
– Stay up to date with your eligibility status by checking it regularly using the USSD service.
– Keep up with repayments—repaying early earns the trust of others.
– Make sure you check the loan code from the official website before using it.
What Makes These 2025 Loan Codes Unique?
We learned that several loan code systems had improved in the year 2025.
– Improved payment disbursements
– People can see what the interest rates will be.
– Scoring credit history through BVN and the way people use their phone
– You don’t have to fill out or hand in any legal forms.
Sometimes, fintechs provide interest-free loans to customers opening their first accounts.
Frequently Asked Questions
1. Would I be able to use a loan code without a salary account?
Yes. Many fintechs give the option to non-salary earners by allowing them to create an account using their phone number and BVN.
2. What can I do to see if I am eligible before applying?
Simply dial the loan code and find an option that says “Check Eligibility” or “Loan Offer.”
3. Will there be consequences if I don’t pay back my USSD loan within the time limit?
If you don’t make payments on time, the lender may fine you, increase your interest, and send information to credit bureaus.
4. Is it possible to apply two loan codes from different banks at the same time?
You can do that, yet proceed with caution. Taking a number of loans out at the same time can influence your credit score.
5. Can I trust the security of these loan codes?
Yes, provided they are used in the right way. Be sure to safeguard your PIN code and don’t tell it to anybody.
6. Is it possible to repay a USSD loan ahead of the due date?
Yes. Repaying a loan ahead of schedule sometimes improves your credit reputation.
7. Can I expect to receive more the next time I apply?
When you stick to the repayment schedule, most banks and fintechs allow you to borrow more money.
Conclusion
As more Nigerians demand fast, no-hassle credit, loan codes have become the silent heroes of financial access. In 2025, they are faster, more flexible, and smarter than ever. Whether you bank with GTBank or use a fintech like Carbon, the right loan code can get you the cash you need in minutes.
If you’ve ever needed funds in an emergency, you already know that time is everything. That’s why knowing the right loan code for your bank or fintech can make all the difference.
