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Access Bank Loan Code Without Going To Bank in Nigeria 2023

Are you seriously in need of money and you want to know How to get a loan from Access Bank in Nigeria?

Access Bank Plc has introduced a USSD code for loans, savings accounts, and other banking services so that you can get loans faster and instantly without going to the bank.

You can apply for an Access Bank loan after establishing an account with them by filling out the online form, and also using the loan or bank apps, or using the loan code.

There are different types of Access Bank loans, but here we want to show you how to use the Access Bank personal loan and payday loan application codes.

Recently, Access Bank introduced a unique USSD code that gives its clients access to instant loans. Today, you can borrow money from Access Bank for a payday loan or a personal loan by using this number.

The quick number for the Access Bank USSD loan code is *901*11#.

This is the new tool for the newly introduced Payday Loan product by the bank. 

The PayDay Loan, which was introduced in partnership with Remita, enables customers to get loans immediately without going to a bank and does not require collateral or a guarantor.

With a payday loan, you can borrow money at a cheap interest rate without having to put up any paperwork or security.

All you need is a piece of personal information like your name, location, and date of birth will be required from you. If you want to make it simpler for them to confirm your identity, you can also submit a copy of your ID card or passport.

How to Make an Access Bank Payday Loan Request

The steps listed below should be followed to request a payday loan:

  • Open the contact dialer application on your smartphone.
  • Go ahead and download the QuickBucks App from the Playstore app on your smartphone.
  • Access the Mobile program, then choose Loans & Investment.
  • specific credit (amount).
  • Put in the sum you want to borrow.
  • Select “Submit.”

What is QuickBucks App All About?

QuickBucks is the Instant Loan Application from Access Bank. The application is available to both customers and non-customers of Access Bank. With QuickBucks, you can get the following loans:

Type Of Acces Bank Loans

If you have a bank account with Access Bank, you can receive a loan from them. You are now eligible to borrow 75% of your credit amount.

Before we discuss how to apply for Access Bank loans, let’s briefly review the various loan kinds that Access Bank offers.

  • Loans For The Creative Sector.
  • Salary Advance Loan.
  • The Leading Against TurnOver (LATO) Loan.
  • Personal Loans.

Loans For The Creative Sector

These loans from the Central Bank of Nigeria are intended to develop skills and create jobs for people and businesses in sectors like fashion, information technology, film production and distribution, and music.

But first, submit a business plan to the bank outlining your needs and resources in order to be approved for a loan in the creative industry.

Salary Advance

You allow to receive up to 100% of your net monthly salary and pay back the loan within three months.

Through their Quick Bucks app or USSD code, you can simply apply for it without providing any paperwork or collateral. 

The Lending Against Turnover (LATO)

The instant loan product is intended for non-salary account users who have been doing business with the Bank for at least six months in order to qualify for this credit. 

The repayment plan requires around 30 days and doesn’t require any collateral or paperwork from the person. Applying for this sort of loan is simple with the Access Bank loan code *901*11*1#. for financing in Nigeria.

Once more, you must be able to demonstrate that you were paid a salary the prior month.

Personal loans

The credit program is designed to support wage earners in times of need and to empower workers’ requirements. It is adaptable and has a 36-month term.

For you to obtain this, you must prepare your Bank Verification Number (BVN), a statement of confirmation from your employer, an application form, and other necessary paperwork.

How Does My Access Account Work for Borrowing Money?

If you don’t want to go to the bank, you can withdraw money from your access bank account using only your mobile device and the USSD number to carry out the procedures.

  • Activate your phone with your confirmed phone number and remember that your financial account must be connected to the phone number.
  • Then easily enter the Access Bank USSD code, which is *901*11*1#, in your call bar or keypad bar. Check once more to make sure the network is stable.
  • Send the code after dialing it, then wait for the directions.
  •  If you would kindly follow the directions, your loan will be transferred to your account.

USSD Code To Check My Access Bank Loan Balance

Customers can easily access the PayDay Loan product from Access Bank, which provides them with immediate access to loans secured by their upcoming paychecks by simply dialing the USSD code *901*11# on their mobile phones. The PayDay loan may also be used to meet any other personal or financial needs.

Getting approved for a company loan from Access Bank

Your company must be in good standing, profitable, and able to produce a consistent monthly revenue in order to be eligible for an Access Bank business loan or financing.

Typical conditions for company loans could (but don’t always) be:

  • Registering your company or enterprise with the Corporate Affairs Commission (CAC)
  • Having a company or business bank account
  • If you submit an application using a phone number that isn’t connected to your BVN.
  • You must have a decent credit report from a credit bureau with no unpaid bills or bad debt and also be a regular client of the business.

Access Bank does not offer any type of business financing to unregistered companies. Access Bank’s personal loan products and salary advances can be used for business.

How to Apply for a Loan at Access Bank by Going to a Bank Branch

It is simple to obtain a loan from Access Bank by visiting one of their bank locations. All you have to do is carry out the actions listed below:

  • Take your identity certificate and a reliable method of address verification to the closest Access Bank location.
  • Fill in the application for the loan you want to take out and send it with the necessary paperwork, including your passport, driver’s license, and NITEL bill.
  • If the application satisfies the criteria outlined in your bank’s loan policy, they will review it and accept it. If not, they will need more documentation or inquiries from you before they can accept your application.
  • Before leaving the bank premises after your loan has been authorized, request a copy of the loan agreement from customer care.

It’s not a huge deal to pay back the money you borrowed from Access Bank.

The majority of Access Bank lending programs have monthly repayment schedules that can automatically make them deduct the money from your account.

However, in cases where you fail to comply with their terms and conditions, they may sell off the collateral or increase the interest rate.

The bottom line is you, taking responsibility for your actions by endeavouring to pay up your loans timely to avoid pressure and extra charges.

In conclusion: Access bank offers a variety of channels through which you can easily access their loans. Now inquire about them to make things easier for you. Their Access Mobile App, Internet Banking, and WhatsApp Banking App are just a few of their available platforms.

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