How to apply for Payday and salary advance loan in all Nigeria banks

Last Updated on March 3, 2023 by admin

Are you in need cash to upset your bills before pay day and you are searching banks in Nigeria that can offer you the opportunity  with ussd codes for instant loans to enable you meet your immediate financial need through salary advance, pay day loan nor personnel loan.

However, there are lots of different ways to borrow money. Before borrowing it’s a good idea to find out about the different options available so you can make a choice about which one is best for you.

Choosing from wide range of simple and straightforward loan offers you ability to access risks attached to borrowing such as interest rate ,repayments method and duration.

This post will help you solve you challenge on how to get pay day loan and salary advance in all Nigeria banks.

1. Access Bank salary advance and pay day loan

Access bank customers (both salary and non-salary earners) can get PayDay Loan by dialing *901*11*1# or via Internet Banking, WhatsApp Banking, Access Mobile App and QuickBucks App to access loan.It doesn’t require documentation or collateral with low interest rate.

On the other hand , Access bank customers who’s salary account is domicile with the bank and active for at least three (3) months can apply for Salary Advance Loan by Dial the USSD code *901*11*1# OR Download the QuickBucks App, available on Google Playstore or Apple App Store.

They can Access up to 200% of their net monthly salary and repay for 6 months with Salary Advance.

Read: Lists of All Nigerian Mobile banking USSD Codes

2. EcoBank Salary Advance and Payday loan

Ecobank Nigeria customers can acces both loan which offer financial freedom of Salary Advance is a 30-day overdraft facility, offering employees of approved organisations access to up to 40% of their net monthly salary.

Interested borrower can visit any branch nearest to them or call their account manager.

3. Fidelity bank payday loan


To access Fidelity bank payday loan simply dial *770*999# You can access up to 50% of your monthly against your next pay day.

4. First Bank Personal Loan Against Salary and FirstAdvance


First bank FirstAdvance loan is a digital lending solution designed to offer a convenient and easy access to cash for payroll customers awaiting payment of their salaries.

The product can be accessed via our digital channels: FirstMobile & USSD. Salary Account must be domiciled with FirstBank for the period the facility is in place Flexible repayment structure at Interest rate @ 2.5%flat collected upfront, Management fee @ 1.0% flat with Credit Life Insurance @ 0.50%

To apply for the FirstAdvance,

1.Through FirstMobile App Or
2.USSD CODE-*894*11# or *894#

While to apply for First bank Personal Loan Against Salary, you will need the following documents:

1.Application letter
2.Personal Loan Application form
4.Statement of accounts
5.Applicant’s letter of total emolument
6.Confirmation of applicant’s employer on FBN approved list
7.Letter of irrevocable domiciliation of salary for the duration of the facility.
8.Complete the form and submit at the nearest FirstBank branch

You can also read: Lists all Nigeria banks whatsapp banking:How to Transfer Money,buy airtime ,generate statement of account & bills payment

5. First city monument bank FCMB FastCash

FCMB fastCash Loan is a consumer credit scheme available to salary account holders domicile with the bank for a period of 6 months and Non-FCMB Customers. This enable customers access short- or medium-term funding

First city monument bank instant loan and the application is through USSD code by dialing *329*11#.

On the other hand, FCMB also offer Premium Salary Plus loan and Salary Plus Loan .This can be access by visiting the bank hall to submit your application.


6. Guaranty Trust bank Quick Credit and Salary Advance loan

Gtbank Quick Credit is a loan facility available to both salary earner and self employed customers ,they can now get  instant cash and pay back over 6 – 12 months with interest rate of 1.33% monthly.

How to Apply for GTB Quick Credit

Gtb customers can request for Quick Credit instantly by dialling *737*51*51#
Quick Credit is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld, GTBank Mobile App and Habari App)

Gtb Salary Advance

This loan facility available to staff of private companies and government agencies with active salary accounts domiciled in GTBank.One great benefits of this kind of loan is that customers can get up to 50% of their net monthly salary upfront

How to Apply for GTB Salary Advance

Borrowers can apply for the GTB Salary Advance loan facility in three different methods they are:

1.Simply login to Internet Banking
2.Dial *737*8*2# to apply
3.Visit any GTBank branch or ATM near you


7.  Globus Bank Personal Loan

Globus bank offer salary-administration product loan to employee with terminal benefit with loan amounts of up to 75% of net annual salary.

They also offer asset finance to customer who intend to buy business assets such as equipment, machinery and vehicle, However, Globus bank customers can also get Mortgage Loan by transfers the burden of payment for real estate from the customer to the bank.

With Globus bank Vehicle Finance, borrowers can now car of their choice using flexible repayment options after equity contribution as against lump sum payments.

To apply for any Globus bank loan kindly visit any branch and apply for the loan facility.


The foremost bank in nigeria provides both salary backed loan and salary advance to their net monthly salary as overdraft. The SALARY BACKED LOAN is designed for salaried employees in structured organizations whereby the employer (i.e. Counterparty) have been profiled and assessed to meet the bank’s Risk Asset Acceptance

SALARY ADVANCE INSTANTA on the other hand is available to all Keystone Paytime Current Account customers. Customers can access this facility all year with 30 days clean up cycle.

How to apply for keystone bank loan facilities

Kindly walk into their bank branch or contact Keystone Bank Limited on the following:
Telephone: +234 700 2000 3000.

You may also like: Full Lists Of Commercial Banks In Nigeria



9. Polaris Bank Payday Loan and Salary Advance

The yes bank customers can access up to 50% of their next salary in advance. Applicants must be in employment of reputable organizations in both private and public sectors and their salary account must be domiciled with Polaris Bank.

Polaris bank has revealed recently that they have added capability of enabling non-account holders to access quick funds with same speed and ease as the Bank’s customers.

How to apply

Dial *833*12# from your mobile phone and follow the instructions to access the Payday loan/Salary Advance. It takes less than a minute



10. Stanbic IBTC Bank Salary Advance

Stanbic IBTC Bank Payday loan is designed to cover for short-term cash needs through an easy, fast and friendly loan process with limited documentation requirements. Borrower salary account must be domicile with the bank

How to apply for Stanbic IBTC Bank Salary Advance

You can get a salary advance in any of the following methods

1.Visiting your nearest Stanbic IBTC Branch
2.Calling 01 422 2222
3.or emailing



11. Standard Chartered Bank Personal Loan

The loan facility Unlock a world of possibilities with interest rate of 1.083% per month.The duration for the loan is up to 60 months of repayment period.

The Min Salary is ₦75,000 for corporate organisation employee and ₦50,000 for government employees to enable borrower apply for either loan amount of Min Loan: ₦175,000 and Max loan: ₦20,000,000

To apply for Standard Chartered Bank Personal Loan kindly visit their website page by copy and paste the url to your browser:



12. SunTrust Salary Advance loan

SunTrust Salary Advance enables employees to draw down their pay as they earn it, making it easier for them to budget.

Interested employee who’s salary domicile with suntrust bank can visit any branch for more information on the process involved to apply.

Also read: List of Primary Mortgage Banks In Nigeria and how to apply mortgage loan


13. TITAN bank Personal Loan and Salary Advance

TITAN bank bank is another financial intitution that offer both ry Advance and personal loan to monthly salary earner of select corporate organizations whose staff salary accounts reside with the bank

The loan is short-term with Maximum tenor of 31 days subject to the next payday.The Maximum obligor limit of 75% of annual income

How to apply for TITAN bank Personal Loan and Salary Advance

Any interested borrower can dial *922# and follow the prompt message to apply also they can visit any TITAN bank for further information Call: 07000200200, 012265100 and 012265129



14. Zenith bank salary advance loan

This also know as payday loan and it’s designed to finance short-term needs or expenses that may come up before the next monthly salary.

To apply for zenith bank salary advance kindly contact Email:, call 234-1-2787000, 0700ZENITHBANK or visit the Zenith Bank branch closest to you.



15. Wema Bank salary base loan

ALAT By Wema Supports Salary Earners with Low-Interest Loans.The loan facility is drawn against your expected monthly income which enables you bridge short term lending gaps.

Borrowers can now apply for an Instant loan without paperwork, no visitation to any physical location. All you need to apply for the loan is download get Instant Loan Now on Android | Instant Loan on iOS

1.Login to ALAT or sign up if you have not
2.From the icons on the menu, click on loans
3.Click on get a loan
4.Choose “Goal-Based Loan” from the loan options
5.Your loan request will be approved if you qualify for the loan


16. Unity Bank Salary Advance and Salary Backed Loans

Unity bank Salary-backed loans and salary advance loan allow qualifying customers to borrow amounts that they will otherwise have to save for up to a maximum of two years. The loan term ranging from one week to three months.

To apply for Unity bank loan simply unity bank branch for further assistance.


17. United bank of Africa click credit loan

UBA click credit is superfast loan facility that is open to everyone with a UBA Salary account.The interest rate of 1.58% monthly and pay back easily over 12 months.

To qualify for a loan, you must have received your salary through UBA for the last 6
months and get up to N5,000,000.00 (Five million naira) in a minute.

How do I apply for UBA Click credit loan?

To apply for uba click credit kindly Dial *919*28# or apply on any of our digital channels. (Leo, Mobile Banking and Internet Banking).


18. Union Bank Salary Advance loan

Union bank account holder who need quick cash before the next pay day can now access up to 50% of their salary as an overdraft for a 12-month period at competitive rates.

Interested borrower must earn a Minimum monthly salary – N15,000 and the Maximum loan amount – 50% of monthly salary.

borrower Salary must domicile with union bank for at least 1 month to enable them qualify for the loan, the loan Maximum loan tenor is 12 months

The first generation bank also offer wide range of loans to make your vision a reality. From salary earners to entrepreneurs to pensioners.the other loan package are: Back-to-school Finance,Personal Loan, Senior Citizen Loan and UnionFlexi Loans.

To apply for Union bank loan kidly visit their oline portal: OR visit any branch nearest to you.

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies

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