List of Nigerian banks that offer payday and salary advance loan: How to apply

Last Updated on October 12, 2023 by admin

With the introduction of Fintech into Nigeria banking sector,Most banks has unveiled instant digital loan product which is targeted at salary earners who meet the Bank’s Risk Acceptance Criteria (RAC).

Though majority of Nigeria are aware but they don’t know how to apply for short-term unsecured loan which normally has 30 days or your next salary payment, whichever comes first.

Let take a look at all Nigeria banks that offer Payday loan and how to apply for it and repayment method by various financial institutions

1.Access bank PayDay Loan

To apply for Access bank PayDay Loan, customers should dial *901*11*1# or via Internet Banking, WhatsApp Banking, Access Mobile App and QuickBucks App.

How to repay back Access bank payday loan:

The loan amount will be deducted from any inflow into the customer’s settlement account. Where the loan  past due, deduction will be made from any account account linked to your BVN.

2.Ecobank PayDay Loan

To apply for Ecobank PayDay Loan, salary earner who’s account domicile with the bank should dial *326#. or via Internet Banking, visit your bank, Access Mobile App and QuickBucks App.

3.Fidelity bank Paydayloan which is know as kwikmoney

Salary earner who’s account domicile with fidelity bank should Kindly dial the code *770*999*08# on the phone number tied to your account and follow the prompt. For further clarifications and guidance, please call our helpline 014485252.

4.FCMB BANK Payday loan

This kind of fcmb loan could be salary plus loan or fastcash loan…..No paperwork required, just apply through *329*11#. Also you can visit any FCMB Branch to apply for Salary Plus Loan.

5. Firstbank Payday loan

First bank offer two type of loan for salary eaners they are First advance loan and Personal Loan Against Salary.

To apply for first bank Personal Loan Against Salary Simply fill their Loan Application Form
Provide Payslip
Statement of accounts
Applicant’s letter of total emolument
Confirmation of applicant’s employer on FBN approved list
Letter of irrevocable domiciliation of salary for the duration of the facility.
Complete the form and submit at the nearest FirstBank branch

Also to apply for FirstAdvance loan by dialling -*894*11# or *894# or make use of their FirstMobile App

6.Gtbank Payday loan

Gtbank customers who’s salary domicile with Guaranty trust bank should dial *737*51*51# to apply for quickcredit


To apply for keystone bank salary advance loan or salary backed loan visit your bank to apply or send email to

8. Polaris Payday Loan

To apply for polaris/skyebank paydayloan slary account holder who’s salary is domiciled with the bank should dial *833*12# to apply now.

9. Stanbic Ibtc Bank Salary Advance Loan

You can get  stanbic IBTC salary advance by:

Visiting your nearest Stanbic IBTC Branch
Calling 01 422 2222
or emailing

10. Union Bank salary advance and Payday loan

To apply for union bank payday and salary advance loan salry earner who’s account domiciled with union bank should apply through their online portal:

11. Unity bank salary advance or salary backed loan

salary account holder domiciled with unity bank should walk into any branch to apply for either Salary Backed Loans or Salary Advance

12. UBA Bank click credit loan

To apply for UBA click credit loan which is on Salary account…..Just dial *919*28#

UBA also offer Asset Finance,Auto Loan, Insurance Premium Financing and UBA Integrated Credit Express (ICE). so visit their office today to find out the kind of loan that suilt you.

13. Wema Bank salary advance loan

Wema Bank Supports Salary Earners with Low-Interest Loans, it’s drawn against your monthly expected income to enable you bridge the short term lending gaps…..To apply visit any wema bank branch for your application process.

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