Loan Apps

Access Bank Loan app: App download, Signup, Login, how to apply, Interest Rates, loan ussd code, customer care

In today’s fast-paced world, financial flexibility is crucial for meeting unexpected expenses. Access Bank understands the diverse needs of its customers, offering a range of loan options, including the popular Access Bank PayDay loan. In this comprehensive guide, we’ll walk you through the features, application process, repayment details, and more, making it easier for you to access quick funds when needed.

What is an Access Bank PayDay Loan?

Access Bank’s PayDay Loan is a swift financial solution, providing both salary and non-salary earners the ability to borrow money within 24 hours. This loan comes with a low-interest rate, requiring no documentation or collateral, making it an ideal choice for those facing emergencies or short-term financial gaps before payday.

Features of Access Bank PayDay Loan:

  1. Convenient Application Process: Access Bank offers a 24/7 service, allowing you to apply via various channels, including 90111*1# USSD code, QuickBucks App, Internet Banking, Mobile App, and even WhatsApp Banking.
  2. No Documentation or Collateral: Enjoy a hassle-free application with no paperwork or collateral required.
  3. Quick Approval: Experience a speedy loan approval process, ensuring you get the funds when you need them the most.
  4. Up to Thirty-One (31) Days Tenor: Repay the loan conveniently within 31 days, aligning with your next salary payment.

How to Apply for an Access Bank PayDay Loan:

Accessing the PayDay Loan is simple and can be done through the following methods:

  1. USSD Code: For former Diamond users, dial 90111*1# to initiate your application.
  2. QuickBucks App: Download the free QuickBucks App from Google Play or Apple App Store and follow the application process.
  3. Access Mobile App: Navigate to “Loans & Investments” on the Access Mobile App to apply seamlessly.
  4. Internet Banking and WhatsApp Banking: Apply through Access Bank’s Internet Banking or WhatsApp Banking channels for added convenience.

Once you initiate the application, Access Bank will guide you through the process, ensuring a smooth experience.

Eligibility and Repayment:

Factors that may affect your eligibility include:

  • Outstanding loans in Access Bank or other banks.
  • Unlinked phone to your BVN.
  • Lack of proof of the previous month’s salary payment.
  • Exceeding eligible amounts from previous digital loans.

Repayment is expected by your next salary payment or within 30 days from the loan date, whichever comes first. The repayment process is automatic, with the loan amount deducted from your salary account.

Pre-Liquidation and Penalties:

Customers have the flexibility to pre-liquidate their PayDay loans. To do so, contact Access Bank via phone at +234 1 271 2005, email at, or visit any Access Bank branch.

A 1% penal charge per month is applicable for defaults beyond 31 days past due.

Other Instant Digital Loans from Access Bank:

Access Bank offers various instant digital loans with longer repayment plans, catering to different financial needs. These include PayDay loans, Lending Against Turnover (LATO/ILAT), LATO Premium (PLAT), LATO Mart (MLAT), Salary Advance (SADV), Small Ticket Personal Loan (STPL), and Device Finance (DFPS).

Accessing Funds After Opening a New Account:

For those who have recently opened a new Access Bank account, you can obtain a debit card and access your funds through the following steps:

  1. Visit your nearest Access Bank branch.
  2. Provide valid identification (international passport, driver’s license, or national ID), a recent utility bill, and a passport photograph.
  3. Alternatively, start transfers using the USSD platform *901#.

Repaying the PayDay Loan:

The PayDay loan is repaid by deducting the loan amount from your next salary payment. This automated process ensures timely repayment, and the loan duration is 30 days or until your next salary payment, whichever comes first.


With its commitment to customer satisfaction and decades of reliable service, Access Bank continues to meet the financial needs of individuals from various walks of life. Applying for a loan has never been easier, so take advantage of Access Bank’s offerings and secure the funds you need with minimal hassle. Remember to choose a loan that aligns with your financial capacity for a stress-free repayment experience. Access Bank is here to support you on your financial journey, providing solutions that make your goals and dreams a reality.

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