Access Bank Loan Code | Interest Rates, Contacts, How To Apply

Access Bank Loan And How It Works

Access Bank plc is one of Nigeria largest bank offering instant online quick cash loans without collateral or paperwork on their Access personal loans, W power loan, creative sector loan, access payday loan etc....

Access bank loan


You can easily apply for access loan through access bank loan code when you dial *901*11# or *426*11#, and you can also apply through the access bank online loan app.

Migo Loan Code

Access Bank Loans To Apply Without Collateral 

1. Access Bank Payday Loan 

Access Payday Loan is an instant loan product made easy for access bank customers (both salary and non-salary earners). 

With Access Payday Loan, you can borrow money at low interest rate with no documentation or collateral needed.

Why Access Payday Loan?

• 24/7 service which does not require visits to the bank and application is done conveniently through Ussd Code *901*11*1# and QuickBucks App, Internet Banking, Mobile App.

• No documentation required.

• No collateral required.

• Up to thirty-one (31) days tenor.

2. Access Bank Personal Loan 

The access bank personal loan which enables your employees / individuals to empower their financial independence with this salary-administration product.

• With access personal loan, you can Loan amount up to 75% of net annual salary (for applicants with terminal benefit),

• Also Offers Loan amount of up to 50% of net annual salary (for applicants without terminal benefit).

• Up to 36 months tenure

• Credit life insurance

Requirements To Apply For Access Personal Loan

• Completed Application Form

• Completed Employee Status Inquiry/Employer’s Confirmation Form

• Evidence of Confirmation (Letter of Confirmation, Last promotion letter etc.)

• Copy of Employment ID and valid means of identification

• BVN

• Credit checks

• Letter of Lien/Set off

To Qualify For Access Personal Loan:

1. You must have paid down at least 50% of your existing facility.

2. You must have not missed any repayment in the last 6 months

3. Access Salary Advance Loan 

With Access bank Salary advance loan which now offers and helps you to access up to 200% of your net monthly salary and repay for 6 months with their Salary Advance loan.

• No documentation required

• No collateral required

• Six (6) months tenor

• 24 / 7 service which does not require visits to the bank and application is done conveniently via QuickBucks App or USSD code *901*11*1#

4. Access W Power Loan

The access bank W Power Loan was designed to close the financing gap for female owned businesses by providing access to loans and credit facilities.

You can use this loan to purchase raw materials or settle other daily operating expenses of the business plus, depending on your type of business and its risk rating, you could access up to 100million naira (One Hundred Million Naira) in loans.

5. Access Bank Student Loan

Access Bank offers advance for School Fees scheme which is designed to provide parents/guardians with short–term financing to cover tuition fees for their children/wards.

It is also ideal for financing of undergraduate study, postgraduate study and professional examinations.

• Loan amount: up to N5million.

• Refinancing option available.

• Remittance services available.

Requirements For Access Student Loan:

• Completed Application Form.

• Admission Letter.

• Tuition Advice.

• Letter of domiciliation of salary account with Access Bank.

6. Access Lending Against Turnover Loan

Sometimes urgent financial needs may arise and you might be low on cash. This is where Access Lending Against Turnover (LATO) Loan comes in. With LATO, you can get access to instant cash by dialling *901*11#

Lending Against Turnover (LATO) is an instant loan product for non-salary account holders who have an existing banking relationship with the Access Bank for over six months.

Why Access LATO Loan:

• 24/7 service which does not require visits to the bank and application is done conveniently via USSD code *901*11#

• No documentation required

• No collateral required

• 30 days loan.

7. Access Cashed Bank Loan

Are you in need of cash urgently and the maturity on your investment with it is far away? This is where cash-backed lending comes in! You can access instant cash-backed loans with access bank by dialing *901*11*2#

8. Access Creative Sector Loan

The creative sector loan is a Central Bank of Nigeria initiative aimed at capacity building and employment creation for individuals and businesses currently into any of the following:

• Fashion, Technology, Movie Production, Movie Distribution, Music, Software Engineering, Student Loan

Requirements For Applying For Any Access Bank Loan 

1. Completed Application Form

2. Completed Employee Status Inquiry/Employer’s Confirmation Form

3. Evidence of Confirmation (Letter of Confirmation, Last promotion letter etc.)

4. Copy of Employment ID and valid means of identification

5. BVN

6. Credit checks

7. Letter of Lien/Set off

Access Bank Loan Eligibility Requirements 

1. Prepare your business plan or statement on how much you want for your business.

2. Go to any Access bank branch with the above mentioned document or apply online through our Creative sector loan portal

3. Our Relationship officers will contact you for further discussion and process your loan request.

4. The maximum interest rate of 9% per annum (all charges inclusive) is applicable on all loans.

5. The repayment period is a maximum of:

a) 3 years for Software Engineering Student Loans

b) 10 years for Movie Production & Distribution, Fashion, Information Technology and Music.

Access Bank Loan Code

you can get access to an instant loan by dialing the access bank loan code *901*11*1#, *426*11# or via Internet Banking, WhatsApp Banking, Access Mobile App and QuickBucks App.

Access Bank Interest Rates 

The maximum interest rate of 9% per annum (all charges inclusive) is applicable on all loans.

Kindly Note that access bank offers loans to civil servants, and also home loans. They gives quick loans to nysc members,

You can visit any access bank branches if you want to learn more about how access bank loans works.

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