Instant Loans up to N100,000 or more from Access Bank

Are you experiencing a financial emergency but don’t have the funds to solve it? Perhaps you need to make an urgent payment, cover unexpected bills or even invest in a business opportunity. Whatever the situation, Access Bank has got you covered with instant loans of up to N100,000 or more to help you solve your financial emergencies. No need to worry about tedious paperwork or waiting for weeks for loan approval. With Access Bank, you can get the funds you need quickly and easily.

As a customer of Access Bank, I have personally experienced the convenience of accessing instant loans to solve urgent financial needs. Whether I needed to pay for a medical emergency or unexpected bills, I was able to apply for a loan online and receive the funds in my account within minutes. The process was simple and stress-free, and I didn’t have to worry about providing collateral or having a high credit score. With Access Bank, I knew I could count on getting the funds I needed when I needed them.

If you’re looking for a fast and reliable solution to your financial emergencies, Access Bank’s instant loans are the perfect option. With loan amounts of up to N100,000 or more and flexible repayment options, you can choose a loan that suits your needs and budget. The application process is quick and easy, and you can apply from anywhere using your mobile device or computer. Plus, with Access Bank’s competitive interest rates, you can rest assured that you’re getting a fair deal. Don’t let financial emergencies stress you out. Get the funds you need with Access Bank’s instant loans.

Personal Loan

Access Bank’s Personal Loan offers various features, including flexibility to meet individual needs, loan amount up to 75% of net annual salary for applicants with terminal benefit, loan amount up to 50% of net annual salary for applicants without terminal benefit, up to 36 months tenure, and credit life insurance.

To apply for the loan, customers need to provide a completed application form, completed employee status inquiry/employer’s confirmation form, evidence of confirmation such as a letter of confirmation or last promotion letter, a copy of employment ID and a valid means of identification, BVN, credit checks, and a letter of lien/set off.

Payday Loan

Access Bank offers Payday Loan as an instant loan product for both salary and non-salary earners who may find themselves low on cash before payday due to unforeseen circumstances. This loan product does not require any collateral or documentation, and it is offered at a low-interest rate.

Customers can conveniently apply for this loan by dialing *901*11#, *426#, or through various channels such as Internet Banking, WhatsApp Banking, Access Mobile App, and QuickBooks App. The loan has a tenure of up to 36 months, and it is available for application 24/7 without the need to visit the bank.


Access Bank’s QuickBucks is a mobile banking application that offers digital loans for various loan products, including retail loans, credit cards, debit cards, consumer durable loans, and device financing loan requests. To use the QuickBucks app, customers need to follow a few simple steps:

  1. Download the QuickBucks app from the app store.
  2. Enter their email address and BVN linked phone number.
  3. Receive an OTP via SMS for verification. If SMS is unsuccessful, they can request OTP to be delivered via a voice call or request a push message from the app.
  4. Upon OTP validation, create an app password and PIN for transactions.
  5. Input personal details, including location, first name, last name, other name, date of birth, occupation, place of work, salary bank name, bank account number, closest branch, BVN, and monthly salary amount.
  6. Agree and consent to the terms and conditions.

Once the registration process is complete, customers can access digital loans via the QuickBucks app for various loan products, making borrowing more convenient and accessible.

Salary Advance

Access Bank’s Salary Advance loan offers a bouquet of loan options to meet customers’ individual needs when they open a salary account with the bank. Customers can also enjoy a 5% interest rate reduction on loans.

The loan product features a 24/7 service that does not require visits to the bank, and customers can conveniently apply for the loan via the QuickBucks app or USSD code *901*11*1#. The loan has a six (6) months tenor and does not require any documentation or collateral.

With Access Bank’s Salary Advance loan, customers can access funds quickly and easily to meet their urgent financial needs without the stress of traditional loan applications.

Advance for School Fees

The Advance for School Fees scheme offered by Access Bank is designed to provide short-term financing for parents/guardians to cover tuition fees for their children/wards. It is also suitable for financing undergraduate study, postgraduate study, and professional examinations. The loan amount can be up to N5 million and the repayment period can be up to 6 months.

To apply, salaried customers need to provide a duly completed application form, a duly accepted offer letter, a school fees bill/invoice in the name of the student, a valid ID card, and a recent utility bill. Non-salaried customers need to provide a duly completed application form, a valid ID card, a 1-year bank statement of corporate account, CAC documents, a recent utility bill, a duly accepted offer letter, and evidence of lien on treasury bill, fixed deposit on any money market investments or receipt of acceptable guarantee.

Additional documents are required for out-of-bank transactions, including an executed NIBBS mandate form, acceptable party guarantee of personal or corporate, statement of net worth of guarantor, payslips, and 6 months statement, and a letter of lien/set-off.

To apply, customers need to download the attached forms, fill them in with accurate information, and append their electronic signature. Then they need to send the completed form and all required documents to Once the loan is approved and the offer letter is executed, the loan is disbursed into the customer’s account and immediately transferred to the school’s account. The customer needs to present the transaction receipt at the school.

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