Saturday, December 7, 2019

First Bank Loan | First Loan Code | How To Apply

First Loan Review | About First Bank Loan 

First bank is one of the best banks in Nigeria that offers loans and provide capital for you to start your new business venture, own your dream home or upgrade your car.

First bank offers loans on:

• First Bank Personal Home Loans
• First Bank Joint Mortgage Loan
• First Bank Finance Loan
• First Bank Automobile Loan
• First Personal Loan Against Salary.

First Bank Loan | Codes And Requirements On How To Apply 

1. First Personal Home Loans

Do you need to Buy your first home, constructing or simply renovating? 

First bank flexible home loan will give you the financial boost you need to support your project on your home.

Features Of First Home Loans:

• Available to individuals with verifiable and steady income flow
• Maximum tenor is 20 years, subject to retirement age of 60 years
• Simplified Documentation
• Minimum down payment of below 30%, subject to the location
• Competitive interest rates
• No equity contribution is required for Home Equity Refinancing
• Property to be financed must be residential and not for commercial purpose.

Requirements For Applying First Home Loans 

1. Application letter
2. Personal Home Loan Application form
Last 3 months payslip
3. Statement of accounts
4. Applicant’s letter of total emolument
5.Confirmation of applicant’s employer on FBN approved list
6. Valid title document
7. Letter for irrevocable domiciliation of salary for the duration of the facility.

Who Can Apply?

Employees in paid employment and self-employed professionals.

How To Apply For First House Loan:

To apply for the Personal Home Loan,

Complete the form and submit at the nearest FirstBank branch.

2. First Bank Joint Mortgage Loan

With first Joint Mortgage loan, you and your spouse or business partner can easily buy property which either party could ordinarily not have been able to purchase as individuals. 

This loan is flexible and repayment pressure is reduced.


• Applicants are legitimate couples or registered partners
• Repayment capacity is on both applicants
• Applicants are both financially committed
• Applicants are joint and co-owners of the property
• Loan obatainable is N70 million
• Maximum tenor of 240 months (20 years), subject to 60 years retirement age
• Minimum equity contribution of 20-30% depending on the location.


1. Flexible repayment structure
2. Loan repayment is distributed between the spouses easing up repayment pressure
3. Competitive interest rates.

Documents Required:

• Consumer Loan Request Form
• Status Enquiry of Employer form
• Current 3-6 months payslip
• 3-6 months Bank Account Statement
• 3 passport photographs
• Means of Identification- Driver’s License/International Passport/National Identification
• Utility Bill of residence/Company address
• Letter of recent remuneration
• Current account with FirstBank
• Letter of Introduction from employer.

Who Can Apply?

Employees in paid employment and Self-employed professionals.

How To Apply:

• Download the Consumer Loan Application Form

• Complete the form and submit to the Retail Team at the nearest FirstBank branch.

3. First Personal Loan Against Salary 

Do you have a salary account with FirstBank. Simply fill their Loan Application Form to start enjoying our Personal Loan Against Salary structure designed to help you cover pressing financial obligations before pay-day arrives.

Benefits Of First Personal Loan Salary 

• You get up to 36 months repayment option, subject to retirement age of 60 years and the Repayment Structure is Flexible.
• A guarantor is not required
• The processing time is quick
• Equity contribution is not required.
• Minimum documentation is required
• Your Salary Account must be domiciled with FirstBank for the period the facility is in place Flexible repayment structure.

How To Apply And Documents Required:

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

4. First Bank Advance Loan 

FirstAdvance 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 is meant for salary earners whose accounts are domiciled with FirstBank and have received regular salaries in the last six months or more. 

Maximum amount accessible is N500,000.00 subject to 50% of net average 6months salary, whichever is lower. 

The eligible amount is calculated after deducting all other loan obligations to the Bank. 

This product can be accessed via our digital channels: FirstMobile & USSD, FirstOnline, and ATM.

How To Apply For First Advance Loan Via App And Code:

The first bank loan can be gotten Through FirstMobile App Or
USSD CODE-*894*11# or *894#

To apply for FirstAdvance on FirstMobile App

1. Download the recent FirstMobile App from Google Play Store or Apple Store on your smart phone

2. Log on to the FirstMobile App

3. Open menu options on the top left-hand side

4. Select ‘Loans’

5. Next, select ‘FirstAdvance’

6. Next Menu Option shows your eligible amount and the applicable pricing and fees.

7. Next, Accept the Terms & Conditions

8. Next, input desired loan amount not more the eligible amount.

9. Followed by your transaction pin.
Successful, Loan is disbursed to your salary account within minutes.

9. Your account is debited for Management fee & VAT, Interest rate and Insurance as upfront fees and Charges.

Upon receipt of salary or 30days (whichever comes first) your account is debited for Principal repayment.

How To Apply And Get A Loan With First Bank Loan Code:

1. Dial *894# to connect to FirstBank’s USSD Banking, select 3, [Get Loans]
or *894*11#

2. The next menu shows your eligible loan amount

3. Input desired amount and send
Interest rate, Management fees & Insurance is displayed

4. Input 5digit transaction PIN to accept Terms and conditions

5. Loan is disbursed into your salary account within minutes.

Your account is debited for Management fee, Interest rate, Insurance and VAT as upfront fees and Charges.

Upon receipt of salary or 30days (whichever comes first) your account is debited for Principal repayment

You can do more with first bank loan special packages tailored to finance your peculiar projects and urgent needs.

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Thursday, November 28, 2019

Bayport Loans Review | Bayport Interest Rates, How It Works

Bayport Loans Review 

Bayport loan is an online loan in South Africa offering personal loans of up to R250,000 with Bayportsa simple online loan application process and personalised service.


About Bayport Loan 

Bayport Financial Services provides financial solutions that enable the positive in their customers’ lives. 

Established in 2004, Bayport has rapidly become one of the largest non-bank providers of unsecured credit and allied products in South Africa.

Bayport is about building lasting relationships with our clients, communities and stakeholders based on trust and an understanding of their overall expectations. 

Utilising a combination of their far reaching branch infrastructure, their mobile consultants and call centres, 

Bayport’s role as a responsible member of society is to provide services of the highest standard. 

Wherever a Bayport branch is found, it signifies their determination to promote access to unsecured credit and make it a reality for their clients.

Bayport Personal Loan And How To Apply 

It is easy to apply for a Bayport personal loan of up to R250,000 with their simple online loan application process and personalised service.

Once you have registered, all it takes is a minute, to find out if you qualify for a Bayport personal loan. Their application process allows you to also upload all the documents required to complete your application.

Requirements For Getting A Personal Loan From Bayportsa 

1. Your last three months bank statements that have to be stamped by your bank – alternatively we can retrieve this information on your behalf when you apply, saving you time.

2. Your most recent payslip from your employer

3. A clear copy of your ID document or a clear copy of both sides of your Smart ID Card

4. A Proof of residence (not more than three months old).

Why Bayportsa Loan 

Bayport offer personal loans with affordable structured repayments and a fixed interest rate throughout your loan term.

It’s a simple and easy process to apply for a loan online with Bayport.

All you need to do is to click on apply now, register on their portal, 

verify your account and then you are minutes away from getting approval on your requested loan.

Once an offer has been generated, you can then continue with the steps in the loan application process and complete the required information and upload the documents required.

To Apply For Bayportsa Loan Register Here And Fill In Your Details Correctly.

Bayport Loan App 

Bayport app is available for apple and android users kindly download from here.

Bayport Contact 

Open weekdays: 08h00 to 17h00
Saturdays: 08h00 to 13h00

Sales: 087 287 4001
Collections: 087 287 4002
Client Services: 087 287 4003
Debt Review: 087 287 4004
Email: or our Help Portal
Fax: +27 (0) 86 624 3289

Tel: +27 (0) 87 287 4000
Fax: +27 (0) 115801146
GPS: -26°06’18.6″S 28°03’11.5″E

3 Alice Lane
South Africa.

Wrapping Up On Bayportsa Loan 

So whether you need a loan for starting your own business, paying off debt or even funding a special family event, we’re here to help. Bayport’s personal loans can make all the difference to your cash flow.
Continue reading

Wednesday, November 20, 2019

Mpowa Loans Review

Mpowafin Loan

Mpowa loans is an online money lending company in South Africa that offers loan of up to R5000 in your account instantly.

Capfin Loan Review
Boodle Loans Review 
310 Loan Review 

How Does Mpowa Loan Works?

First step to get started with Mpowa loans is to:

1. Apply Online 

Complete their online loan application today and create your account. A loan contract will be emailed to you immediately.

2. Submit Your Documents 

Sign your documents Online and retrieve/ upload your latest 3 months bank statements or Payslips.

3. Confirm Your Account 

They will call you for a voice recording of your contract details. Cash hits your account at 5PM!

Mpowa Loan Terms 

The loan amount will be repaid in full on your payday by debit order. You may login and Reapply for a new loan each month once your loan has been repaid.

Why Mpowa Loan Finance 

• Since all applications are submitted online you do not have to leave your place of work to apply for a loan.

• All contracts are signed as well as voice recorded for the protection of both parties.

• Reapplications are made online,making the reapplication process much easier.

• We can help you if you live anywhere within the borders of the Republic of South Africa.

• We believe informing relationships with our clients and are understanding of their changing needs and circumstances.

• Our rates are in term with the National Credit Act and are among the lowest in the industry.

Mpowa Loans Contact 

You can contact Mpowa loans through SMS, call, and also email them via this link

Mpowa Affiliate Program 

Mpowa makes it easier to earn money with them, you can become an affiliate of Mpowa financial and earn for every referred customers you get through your Mpowa affiliate link 

Sign up here:
Continue reading

Tuesday, November 19, 2019

Capfin Loan

Capfin Loan Review


Capfin loan offer affordable and easy to manage loans of up to R50,000 with repayment terms of up to 24 months.

Their transparent loan products and services ensures that you get what you pay for with no hidden costs.

They make managing your loan easy by allowing you access to your loan account at any time. Their affordability assessment process also considers the best interests of their customers.

What You Need To Apply For Capfin Loan:

1. A valid South Africa ID Card, 

2. Latest bank pay slip, 

3. Latest bank statements.

Once you complete your form, submit your contact and their customer care will contact you.

How To Submit Your ID To Capfin Loan. 

Please provide your SA ID number, a copy of your SA ID document, as well as either 3 latest payslips or 3 latest bank statements.

Submit your ID here once captured or email them via

Why Capfin Loan?

1. An easy application process

2. No hidden fees and interest rates

3. We can obtain bank statements directly from your bank*

4. You have 24/7 access to your Capfin loan account

5. We write-off the loan balance in the event of our client’s death

6. You get to pay for unexpected expenses.

Benefits Of Capfin Loan 

They give your loved ones peace of mind by writing off our client’s outstanding loan balance in the event of their death. 

The Capfin death benefit is free and available to new or existing customers.

To claim, they will need the following documents of the Capfin account holder:

1. Copy of the deceased Capfin Account Holder’s ID,

2. A clear, certified copy of the death certificate,

3. A clear, certified copy of the Masters letters of executorship (if applicable).

Submit all documentation via email to or Once documents are received, Capfin will independently verify the deceased status.

How To Apply For Capfin Loan 

Visit through their loans page here and apply online, then submit your details..

Capfin Loan Contact

Their office is located at Registered address:
1 Industrie Street
Kuils River
Cape Town
South Africa

Continue reading

Monday, November 18, 2019

Finchoice Loan Review | How To Apply

Finchoice Loan Review 

Finchoice loan is an online South Africa lending company that offers loan of up to R40 000 today. Click Apply Now to get your quote in 2 minutes.

Finchoice offers personal loans and a MobiMoney facility that gives you access to money, airtime, data and electricity.  

You can also get a KwikAdvance when you need money right away.

Finchoice Loans And How To Apply.

1. Finchoice MobiMoney Loan 

Finchoice MobiMoney gives you access to up to R10 000 - when you need it.

• It's FREE to activate
• Only pay for what you use
• Same-day withdrawals of between R100 and R10 000
• Repay over 1, 2 or 3 months
• Only pay  for what you use
• Get airtime, data and electricity, 24/7
• Activate your MobiMoney facility online, for free - and get access to money, wherever you are.

2. Finchoice Funeral Cover Loan 

Make sure that you and your family are financially prepared for difficult times with Funeral Cover from FinChoice.

• Personal or Family Funeral Cover
• R10 000 to R50 000 payout per person (up to R30 000 for parents)
• Your family get all your premiums back when they claim
• Add step, biological or adopted parents
• Cover up to 11 people
• Claims pay out within 24 hours
• No medical exam required
• Added benefits up to R2000 - such as a grocery voucher, airtime or travel assistance

3. Finchoice Personal Loan 

Let the Flexi Loan be the simple solution to your problems.

• Qualify for up to R8 000 that you only have to pay back within 6 months.
• Complete your repayment and you might qualify for more.
• The FinChoice Personal Protection Plan is your cover in case of loss of job, disability or death.

Finchoice Kwikadvance Loan

For when you need cash, now:

• Loan up to R3500 and repay on your next payday
• Settle your loan sooner and you could qualify for more

FinChoice Personal Protection Plan will cover your repayment in the case of loss of your job, disability or death.

Visit and manage your account from the palm of your hand 24/7. Their mobi site is safe, secure, with no cellular data charges (for MTN, Vodacom and CellC network customers) and you can:

•   Check your balance.
•   Apply for another loan.
•   Apply to skip a payment in a difficult month.

Or you can connect to KwikServe, dial *120*1048# and access some of the same services.

Finchoice Mobil Login 

To login or access your Finchoice mobimoney account visit here and sign in.

Finchoice Contact Details 

FinChoice are always ready to answer your questions and lend a helping hand. If you have a question or query, you can contact them in the following ways:

0861 346 246

SMS ‘LOAN’ to 083 8555 700 and we’ll call you back


021 680 8260

- Register for KwikServe by dialing *130*1048#

- Access KwikServe by dialing *120*1048#

Physical address
78 Main Road, Wynberg, 7800

Postal address
Private Bag x50, Claremont, 7735

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Union Bank Loan | Code And Interest Rate | How To Apply

After my previous article on Fcmb bank loan and GTBank loan in Nigeria, I am here to emphasize more on union bank loan, code to get a loan from union bank, their interest rate and requirements on how to get a successful loan from union bank without collateral.

Union Bank Loan 

Union bank is one of Nigeria largest bank that offers a wide range of loans to make your vision a reality. 

From salary earners to entrepreneurs to pensioners, they got a loan for you.

Student Loan In Nigeria
FINT Loan 

Union Bank Loan Details And Requirements:

1. Unionplus Loan

Unionplus loan is designed for salaried customers. Customers can access up to 15 million Naira and can pay back for up to 60 months.

Benefits Of Unionplus Loan? 

• Repayment: 12-60 months
• Annual income range: N216,000 – N30,000,000
• Loans available between N50,000 and N15,000,000.

Required Documents:

• Completed Application Form
• Letter of Undertaking from employer

How To Apply:

Visit their online loan website registration page and proceed to register,

2. Unionflexi Loan

The Unionflexi loan is designed for salaried customers with an annual salary of up to 30 million Naira. 

Customers can access up to 50 million Naira and can pay back for up to 60 months.

Benefits Of Unionflexi Loan:

• Repayment: 12-60 months
• Annual income range: Minimum N30,000,000
• Loans available between N5,000,000 and N50,000,000

Required Documents:

• Completed Application Form
• Letter of Undertaking from employer

How To Apply For Unionflexi Loan:

Visit their online loan website registration page and proceed to register,

3. Union bank Payadvance Loan

The Payadvance loan is designed for salaried customers. Customers can access up to 50% of their monthly salary and can pay back for up to 12 months.

Loan Benefits:

• Repayment: 12 months
• Annual income range: Minimum N300, 000
• Loans available between N25, 000 and 50% of monthly salary.

Required Documents:

• Completed Application Form
• Letter of Undertaking from employer
• Proforma Invoice.

How To Apply For Union Bank Payadvance Loan:

Visit their online loan website registration page and proceed to register.

How To Be Eligible For Union Bank Loan.

1. A salary receiving a minimum salary of N18,000 monthly

2. A pensioner receiving a minimum pension of N10,000 monthly

3. A business owner.

Union Bank Loan Code And How To Apply.

For pre-approved customers

(Please note, you will be contacted if you have been pre-approved for a loan)

1. Simply log onto our online banking platform or Mobile App

2. Dial the union bank loan code *826*41#

For all other customers:

Call us today on 012716816 or send an email to: 

Visit any UBN Branch.

Continue reading

Thursday, November 7, 2019

310 Loan Review | Apply For 310 Payday Loan Easily

About 310 Loan 

310 loan is an online Canadian loan company that offers fast, easy and secure payday loans for business owners and customers.

What's A Payday Loan?

A payday loan or cash advance is a short-term, small-dollar loan, often used to cover unexpected expenses or to bridge a temporary gap between paydays. 

Payday loans are normally used to cover short-term financial situations — they are not meant to be long-term financial solutions.

Fcmb Loan 
FINT Loan 

Why Use Payday Loans?

The reason payday loans are used is different from person to person. For many people in Canada, a payday loan is as an emergency source of short-term credit when faced with a bill payment or other financial commitment. 

By using a payday loan instead of missing a payment commitment, a borrower can avoid the fees, service charges and other negative consequences associated with a missed payment. 

When a payday loan is used to meet an unexpected financial need, such as a car repair, it allows the borrower to resolve that need immediately instead of waiting until next payday.

How Does 310 Loan Works?

1. Apply online or by phone (1-800-310-5626)

2. Provide the required documents using one of four easy options,

3. Verify your information when we call you

4. Receive your money via Email Money Transfer or Direct Deposit.

How To Get Started:

• Most customers just need their detailed bank statement for the last 30 days. 

• Additional documents may be required in some cases.

310 Loan Interest Rates 

APR: For a 14-day short-term loan serviced through 310-LOAN; the APR is as follows: Alberta, British Columbia, New Brunswick, Ontario: 391%; Northwest Territories, Nunavut, Prince Edward Island, Yukon: 652%; Newfoundland And Labrador: 548%; Nova Scotia: 495%; Saskatchewan: 443%.

310 Loan Repayment Terms 

Implications of non-payment: If you do not repay the entire loan on or before the loan due date, the loan will be subject to a one-time overdue fee up to $50, and interest will accrue on any unpaid balance at a rate of up to 30% per annum. 

Late or missed payments may negatively impact your credit score or cause your account to fall into collections. 

In accordance with government regulations your loan must be paid in full by the due date and may not be extended, refinanced or rolled over. 

310 Loan Contacts

Have a question about your application or your existing loan? 310-LOAN representatives are ready to help with all your customer service needs, simply call us at 1-800-310-LOAN (5626) or email us at

Why 310 Payday Loan 

1. FAST 

No online payday loan company can get your money to you faster. Cash deposited in 30 minutes or less upon approval.

2. EASY 

Apply in minutes for a payday loan; no credit checks.


Get your payday loan online from the convenience of any location. Skip the hassle of waiting in line at a store.

How To Apply For 310 Loan

To apply for 310 loan kindly visit here and select your province.
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Tuesday, November 5, 2019

Loans In Jamaica

Easy Loans In Jamaica 

There are loans in Jamaica to apply today for easy loans without collateral, best unsecured loan in Jamaica and also offer advance loans for Jamaicans.

Top Loans In Jamaica Without Collateral.

1. Jamaica Scotiabank Loan 

You want a customized financial solution tailored to suit your needs, or you want a loan that can help with debt consolidation and reduce your interest costs?

With a Scotia Plan Loan in Jamaica, it's easy to get the things you want and save money at the same time. You can.

Fcmb Loan 

How Does It Work?

1..Choose your preferred repayment schedule

2. Consolidate your debts into one easy payment

3. Opt for a secured loan for even better terms

4. Set up automatic payments from your Scotiabank deposit account

6. Select your own payment amount

7. Manage your monthly expenses

8. Choose optional credit protection.

Scotia also offers loan on auto / car loans and home loans.

How To Apply For Scotiabank Loan

To quickly apply for Scotiabank loan in Jamaica kindly click here to locate their nearest branch near you then apply in person.

2. Jncb Personal Loan In Jamaica 

Jncb is a loan and financing company in Jamaica that offers payday advance loan, secured loans in Jamaica, and also cash secured loans in 30 minutes.

With Jncb cash loans in 30 minutes you can Get up to $15 Million in 30 minutes! It’s simple. It’s fast. All you need is a minimum of $100,000 in your account and you can access up to 95% of your money in 30 minutes.

How To Apply For Jncb Loan In Jamaica 

To apply for Jncb loan, kindly visit the loans page here and apply.

3. Jnsbl Loan In Jamaica 

They offers business loans in Jamaica and lends up-to $700,000 to finance.

You can apply for Jnsbl personal loans for wedding arrangements, medical expenses, educational purposes etc... 

Requirements For Applying Jnsbl Loans:

1. Valid Identification (passport, National ID or drivers’ license)

2. Must be permanently employed for a minimum of 2 yrs with same employer
Tax Registration Number (TRN)

3. 2 recent passport size photographs

4. 2 valid Written Recommendations (Justice of the Peace (JP), Minister of Religion, School Principal or Senior Police Officer)

•The letters must be:

• Dated
• Addressed to JN Small Business Loans 32 1/2 Duke Street, Kingston
• Recommending you for a loan
• Processing fee is charged upon disbursement of loan
• Client must be over 18 years of age
• Income verification letter from employer
• Last 3 pay slips
• Proof of loan purpose (pro-forma invoices etc) 

How To Apply For Jnsbl Loan 

To apply for Jnsbl Loan in Jamaica visit this link and apply.

4. Nativefinancials Loans In Jamaica 

These company offers unsecure micro-loans to various customers. Technology is on the rise, and they are too! 

They offer full time convenience with their online platform. Benefit from applying for a loan any where, any time and get approvals within two hours!

How Does It Work?

Step 1. Apply Online

Submit your Loan Application Online today.

Step 2. Get Approved

After your application your loan goes into approval.

Step 3. Receive Loan

After Approval, the funds is transferred to your bank account.

Loan Agency / Websites In Jamaica 

1. The Jamaica Loan Shop Limited

Financial institution located in 54 Old Hope Road, Kingston, Jamaica. Opens from Monday 9Am - Sunday 5Pm.

2. JNSBL Loan Office

Their office is located at Codlings Plaza,, Albert Town, Jamaica. Opens from Monday 9Am - Sunday 5Pm.


Access Yes! Access Financial Services Limited is a leading provider of micro business loans and personal loans.

Located at 41b Half Way Tree Road, Kingston, Jamaica.

4. Cool Loans: 2 Graham St, Ocho Rios, Jamaica

5. A & N Loan Hub Limited

Car finance and loan company in Kingston, Jamaica located at Unit # 9 Gateway Professional Complex, 157 Constant Spring Rd, Kingston, Jamaica.

6. Sure Financial Services Ltd.

Loan agency in Morant Bay, Jamaica located at 11 South St, Morant Bay, Jamaica.

Continue reading

Sunday, November 3, 2019

Fcmb Loan | Fcmb Loan Code | How To Apply For Fcmb Loan

Fcmb Loan Codes | Interest Rates And Benefits 

You can now get a Loan and credit from first city monument bank (FCMB). 

Do you need a salary loan? Emergency loan from Fcmb or automobile / car loan from Fcmb? If yes, then you can apply for a personal or business Fcmb loan in Nigeria.

Their fast cash loan, salary Plus loan, salary premium loan and Fcmb auto loan gets you all you need for a safe and easy loans without collateral.

About Fcmb 

First City Monument Bank (FCMB) Ltd is a full service banking group, headquartered in Lagos, with the vision ‘to be the premier financial services group of African origin.

Best Fcmb Loans You Can Apply Without Any Hassle.

Most of these instant loan from Fcmb cab be applied online through Fcmb ussd code and offers instant credit without collateral.

1. Fcmb Fast Cash Loan 

FCMB FastCash is a convenient, paperless credit facility with no collateral required for your emergencies and urgent needs. 

It is an instant loan and the application is through Fcmb USSD code *329#.

Features And Benefits Of Applying For Fcmb Cash Loan.

FCMB Fast Cash is designed for existing FCMB customers, and has the following benefits.

• Instant access to funds
• Up to N100,000 loan amount
• No paperwork required, just apply through *329#.
• No collateral needed
• 30 days clean up cycle
• Customer can apply as many times in a year as s/he is qualified.

2. Fcmb Salary Plus Loan 

The Fcmb Salary Plus Loan is a consumer credit scheme available to salary account holders. 

Through this scheme, qualified FCMB customers can access short- or medium-term funding, before payment of salaries.

Eligibility is based on criteria such as domiciliation of salary account with consistent receipt of salaries for a period of 6 months and categorized employer.

Fcmb Salary Plus Loan Top Up

Salary top-up loan is a credit scheme available to existing customers who have a salary plus loan. 

Prequalification is done based on criteria such as up-to-date salary and no missed repayments on loans within the last 6 months.

You can apply for this loan in 2 easy ways:

To top-up your Salary loan through FCMBOnline , simply follow the steps below:

1. Log on to FCMBOnline
2. Click on Consumer Loan
3. Click on Salary plus top up
4. Select Current account number
5. Confirm loan amount
6. Check the box for terms and conditions.
7. Submit request and loan is disbursed within 8 hours.

To top-up your Salary Plus loan at any FCMB Branch, simply follow the steps below:

1. Hand over account number to the Teller at the Branch

2. Teller inputs customer account number on the system to confirm customer eligibility.

3. Eligible amount is displayed.

4. Customer confirms go ahead with the loan amount and conditions.

5. Teller submits the request to Head teller for appropriate confirmation

6. OTP is generated upon completion and sent to the customers ‘registered phone number for confirmation

7. Customer reads out the OTP and teller.
Loan is disbursed within 8 hours.

3. Fcmb Premium Salary Loan

Fcmb Premium Salary Plus loan provides confirmed staff of commercial organizations more useable funds. 

The employee’s organization must have been rated on Moody’s with a minimum A- rating, and eligible employees interested in the product must earn a minimum monthly income of N100, 000.00.

FCMB Premium Salary Plus has the following benefits:

1. Free issuance cost for Premium Debit & Credit Cards
2. Premium Cheque book.

Features Of Fcmb Premium Salary Loan

• Maximum Loan: N10 million
• Minimum Loan: N1 million
• Maximum Tenure: 60 months
• Minimum Tenure: 6 months
• Pricing: Highly Competitive
• Domiciliation of salary
• Life Insurance: Total premium: 0.75% Loan Amount’ Tenure (upfront) non-refundable
• Employee must earn a minimum of N100,000 to qualify for the FCMB Premium Salary Plus Loan.

4. Fcmb Car / Auto Loan

This is a consumer credit scheme which allows qualified individuals to part-finance acquisition of cars for personal use. 

Customers can own a car and pay over a period of time.

Fcmb Standard Auto Loan 

It enables customer purchase vehicles from auto dealers who have been prequalified and have agreed an SLA with the bank


1. Borrow N500,000.00 to N7,500,000.00
2. Payment over 12 to 48 months
3. Contribute as low as 20% towards the purchase
4. Comprehensive Insurance on the car for the entire loan period
5. No security required
6. Competitive pricing and no hidden charges.


1. Installation of free tracking device for auto valued at N3, 000,000 and above(Free for cars above N3milion otherwise, N50,000.00)

2. Buy a car of your choice from our list of acceptable brands and spread payment over a convenient period

3. We have reliable dealers accredited to ensure you buy from a safe source

4. Convenient insurance payment included in the loan repayment amount

5. No residual cost at end of loan tenure

How To Become Eligibility:

Individuals in structured employment
Self-employed individuals with regular income.

Fcmb Loan Terms And Conditions 

Borrower” shall mean the subscriber to the offer and or service

“the Offer” or “the Service” shall mean FCMB FastCash

“the Bank” shall mean First City Monument Bank Limited

“USSD” shall mean Unstructured Supplementary Service Data.


1. The Borrower has applied to the Bank through USSD for FCMB FastCash to meet urgent personal cash flow needs

2. The Bank has agreed to grant the FastCash to the Borrower by way of principal outstanding

3. The Loan amount shall be made available by direct payment into borrower’s current or saving account with FCMB.


1. The Loan

The Bank hereby agrees to make available to the Borrower and the Borrower accepts the sum to be disbursed (hereinafter referred to as “the FastCash”), by the Bank after borrower’s risk assessment and scoring, for a period not exceeding 30 days from the date of disbursement

2. Interest Rate

2.1 There will be a risk - based interest rate of 15% per disbursal which will be taken upfront which translates to annual percentage rate of 180%. There shall not be any refund on interest rate collected upfront for any prepayment, pre termination of the loan before 30day period or for any other reason. If the Borrower fails to pay any amount which the Borrower owes the Bank in terms of this agreement on the due date, the Bank shall be entitled to continue to charge interest on the outstanding amount at 0.5% per day.

3. Payment

3.1 The Borrower agrees that the Bank shall have the right to deduct the due repayment in full directly from any of the borrower’s accounts including salary account, saving account, deposit account, corporate account with the Bank and any bank in Nigeria or outside of Nigeria.

3.2 The Borrower hereby gives the Bank the right to deduct monies owing to it from any credit inflow and salary inflow into the accounts in the Bank or any other Bank in Nigeria and outside Nigeria.

4. Costs and Charges

All out-of-pocket expenses including registration, legal fees, stamp duties and other fees incurred by the Bank in processing of this facility including enforcement of security and recovery of facility in the event of default shall be for the account of the Borrower.

5. Costs and Charges

All out-of-pocket expenses including registration, legal fees, stamp duties and other fees incurred by the Bank in processing of this facility including enforcement of security and recovery of facility in the event of default shall be for the account of the Borrower.

6. Breach

In the event of:

i. any failure by the Borrower to pay any amount which is due and outstanding under this agreement

ii. any breach by the Borrower of the terms of this agreement or

iii. any failure by the Borrower to carry out his or her obligations under this agreement; then the full sum outstanding under this agreement, together with any penal charge (if any) and all other charges and expenses owing to and due to the Bank by the Borrower shall become immediately due and payable, and without giving notice to the Borrower, the Bank shall be entitled to terminate this agreement and claim and/or recover from the Borrower any damages/losses it may have suffered as a consequence.

7. Authorization to comply

The Borrower agrees that the Bank is irrevocably authorized to comply with any instructions on the Service receives on his/her behalf through the USSD and it is agreed that such Instruction shall be irrevocably deemed to be the Borrower’s Instruction.

8. Notices

8.1 Set off and consolidation rights

The Bank may at any time and without notice to the Borrower combine all or any of the Borrower’s accounts and liabilities with the Bank in Nigeria (or elsewhere) whether singly or jointly with any person, or set off all or any monies standing to the credit of such account(s) including the Borrower’s deposits with the Bank (whether matured or not) towards satisfaction of any of the Borrower’s liabilities to the Bank whether as principal or surety, actual or contingent, primary or collateral, singly or jointly with any other person and the Bank may effect any necessary currency conversion at the Bank’s own rate of exchange then prevailing. Exchange risks associated with any collateral, cash or otherwise in satisfaction of outstanding debt shall be borne by the Borrower.

By accepting the terms & conditions of the loan and by drawing on the loan. I covenant to repay the loan as and when due. In the event that I fail to repay the loan as agreed, and the loan becomes delinquent, the bank shall have the right to report the delinquent loan to the CBN through the Credit Risk Management System (CRMS) or by any other means, and request the CBN to exercise its regulatory power to direct all banks and other financial institutions under its regulatory purview to set-off my indebtedness from any money standing to my credit in any bank account and from any other financial assets they may be holding for my benefit.

I covenant and warrant that the CBN shall have power to set-off my indebtedness under this loan agreement from all such monies and funds standing to my credit/benefit in any and all such accounts or from any other financial assets belonging to me and in the custody of any such bank.

I hereby waive any right of confidentiality whether arising under common law or statute or in any other manner whatsoever and irrevocably agree that I shall not argue to the contrary before any court of law, tribunal, administrative authority or any other body acting in any judicial or quasi-judicial capacity
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Thursday, October 24, 2019

GTBank Loan Ussd Code | GTBank Quick Credit Loan | GTBank Soft Loan etc

GTBank ( Guarantee Trust Bank ) offers personal loans to customers and non customers banking on GTBank, how you need it and whenever you want it.

GTBank personal loans provide you with the right financing for your personal needs while guaranteeing you all the security you are looking for.

What's A Loan? 

A loan is a form of money that an individual, group or other legal entity borrow from another individual, group or legal entity (the latter often being a financial institution) with a condition that it's to be returned or repaid at a later date (sometimes with interest).

GTBank Loan In Nigeria 

GTBank offers Loans to Nigerians from their wide range of simple and straightforward loan offers.

GTBank Loan is good for your Personal needs and the projects you care about.

Types Of GTBank Loan In Nigeria.

1. GTBank Salary Loan 

GTBank salary loan in Nigeria offers you loan of up-to 50% of your net month salary, these loan is available to staff of private companies and government agencies with active salary account domiciled in GTBank.

Salary Advance Loan In Nigeria 
KiaKia Loan App 

Why GTBank Salary Loan?

• up-to 50% net salary in advance.

• Tenor of 30 days. Renewable monthly.

• No collateral required.

• Minimum salary of N 25,000 for public sector and N 50,000 for private sector employees.

• Salary advance will be made available within 24 hours.

How To Apply For GTBank Salary Loan?

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

2. GTBank School Fees Loan. 

GTBank School Fees Advance is a loan facility designed to finance the payment of your child’s/ward’s school fees for schools/institutions in Nigeria only. 

This facility is available to members of staff of public and reputable private organizations whose salaries are domiciled with the Bank.

Student Loan In Nigeria 

Why GTBank School Fees Loan? 

• Up to N5 Million School Fees Advance. 

• Maximum tenor of 4 months per request.

• Very Competitive interest rate. Equal monthly repayments comprising of principal and interest.

• Immediate access to funds for the prompt payment of your child/wards school fees.

How To Apply For GTBank School Fees Loan. 

1. Submit Completed Application Form and Employer Undertaking Form.

2. Provide School Fees bill and Credit Insurance.

3. Ensure that staff terminal benefit is domiciled in GTBank or obtain Corporate Guarantee.

3. GTBank Quick Credit Loan.

Whether you are a salary earner or self-employed, you can now get the cash you need instantly, and pay back over 6 - 12 months. 

The GTBank Quick Credit gives you funds up to N5million at an interest rate of 1.75% monthly. 

Business Loan In Nigeria 

Why GTBank Quick Loan? 

• Up to N1 - 5 Million

• Convenient repayment plan spread over 6 - 12 months.

• At an interest rate of 1.75% per month.

How To Apply For GTBank Quick Credit Loan.

1. You can request for Quick Credit instantly by dialling *737*51*51#

Quick Credit loan is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld, GTBank Mobile App and Habari App).

4. GTBank MaxAdvance Loan

MaxAdvance is designed to facilitate personal loans to staff of select corporate and government organizations whose staff salary accounts reside with GTBank.

Why GTBank MaxAdvance Loan? 

• Loans from N100,000 to N10,000,000.

• Equal monthly repayment comprising principal & Interest. Monthly repayment shall not exceed 33.3% of net monthly.

• Salary Domiciliation, Credit Insurance, Domiciliation of staff terminal benefit or Corporate Guarantee.

GTBank MaxAdvance loan is an all purpose loan for you to meet your financial needs with a convenient repayment plan.

5. GTBank MaxPlus Loan. 

GTBank MaxPlus Loan offers you a larger loan facility and greater flexibility to meet your financial needs with a convenient repayment plan. Available to platinum customers whose salary accounts are domiciled with the Bank.

Why GTBank MaxPlus Loan? 

1. Get loan of between N6 Million and N30 Million.

2. Tenor of up to 36 months. Monthly repayment cannot exceed 33.3% of net monthly salary.

3. Equal monthly repayment comprising principal & Interest.

4. No collateral required.

To Apply visit any nearest GTBank branch near you.

6. GTBank Computer Ownership Loan.

GTBank Computer Acquisition Scheme offers a facility (time loan) to currently serving Corps members whose allowance accounts are domiciled with the Bank to finance the acquisition of mobile devices to be paid during the service year.

Why This Loan? 

1. Maximum loan amount is N60,000.

2. Tenor 3 – 10 months

3. Equal monthly installment of principal and interest over the tenor of the facility and shall not exceed 33.3% of Corps member’s monthly allowance.

4. Corps member’s allowance must be domiciled with the Bank

5. Interest rate is Competitive.


1. Corps members get the mobile device with a flexible repayment plan.

2. It allows Corp members more information, knowledge and acquisition of skills.

7. GTMortgage Loan 

GTMortgage offers credit facilities to customers whose salaries or business proceeds are domiciled with the Bank to enable them own a home in selected cities within the country.

8. GTBank Premium Advance Loan

GTBank Premium loan Always there, when you need funds the most, Premium Advance is a revolving overdraft facility placed on your Debit Naira MasterCard.

Why GTBank Premium Loan 

1. Up to N1 Million overdraft with a 1 year 

2. Tenor (subject to clean-up every 30 days).
Very Competitive interest rate. 2% flat fee on N1million upon first utilization.

3. Overdraft accessible via Naira Debit MasterCard (for ATM withdrawals, POS purchase and web payments)

4. Monthly repayment of interest with bullet payment of principal at end of cycle.

How To Apply:

Simply submit completed Application Form and Employee Undertaking Form.

9. GTBank Travel Loan 

Travel Advance is a time loan designed to meet the travel needs of our customers whose salary accounts are domiciled with the Bank.

Available For:

•Airline Ticket
•Hotel Reservation
•Airport Pickup and Transfer
•Tours and Events


1. Customer must have their salary account domiciled with GTBank.

2. Customer must have received his/her salary through GTBank in the last three months from the same employer.

3. Salary must be paid in Naira (NGN).

How To Apply:

1. Login to Internet Banking

2. Click Travel Advance under Investments and Quick Loans

3. Select Travel Advance and initiate a New request

4. Fill the required details

5. Authorize your request by inputting the 6 digits on your token and submit.

10. GTBank Car Loan 

Vehicle Insurance Premium financing is a time loan that enables corporate organizations and salary owners (whose accounts are domiciled with the bank) pay for their motor insurance premium upfront and spread the repayment over a 12 months period.


1. Loan Amount: Individuals – N20,000 – N1,000,000 (Individuals) & N20,000 – N5,000,000 (Corporate)

2. Tenor: Maximum of 1 year

3. Pricing: Interest Rate is 1.67% per month

4. Repayment: Equal monthly repayment comprising principal and interest

5. Equity Contribution: 20% of total insurance premium cost

6. Fees: 1% one-off flat fee.

Why Grab It?

• Instant availability of funds to pay for insurance premium
• Opportunity to pay for insurance premium on monthly basis

• Insurance cover without physically visiting insurance office

Who Can Apply?

1. Individual Customers whose salary accounts are domiciled with the Bank;

2. All SME’s and Corporates with accounts domiciled with the Bank and with access to GAPs

How To Apply:

You can apply for the Vehicle Insurance Premium Financing on Internet Banking or on GAPS

Internet Banking

• Sign On --- Menu--- Insurance Loans ---- Vehicle Insurance 

GAPs/GAPs Lite 

• Sign On – --- Single Transactions----- Collections ----- Insurance Loans----- Vehicle Insurance Leadway

2. Loan is availed immediately 

3. Insurance Service provider processes policy for the customer within 48 hours.

4. A copy of the insurance certificate is sent to the customer’s email address.

5. Customer repays the loan on monthly basis.

GTBank Loan Ussd Code 

1. Dial code *737*8*2# to apply for GTBank salary loan.

2. Dial code *737*51*51# for GTBank quick credit loan

3. Dial code *737# to view all transactions on GTBank.

Wrapping Up On GTBank Loan

You can get instant loan from GTBank if you meet their terms, however the loans ranges from soft loans, mortgage loans quick credit loans etc, which gives you loan of up-to N1million Naira.
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