Access Bank Loan Code without collateral

Access Bank Loan Code and How Qualify to Borrow Quick Money 2022

This post may contain affiliate links. Please read this disclosure for more info.

This post is about how to use the Access bank loan code to borrow money including different loans available you are qualified to apply for.

Dial this Access bank loan code *901*11*1# to get a payday loan, salary advance and Personal loan for salary and non-salary earners without collateral. To qualify to borrow the money, you must have an active salary account and or consistent monthly turnover. After that, apply for the loan with a phone number linked to your BVN number and Access bank account – Mtn, Glo, Airtel or 9 Mobile.

Therefore, this post helps you to understand how to use this Access code to apply for a personal and salary loan and also answers some related questions

So, let’s start.


Access Bank Loan Code to Borrow Money

The following Access bank loan USSD code to borrow money requires no collateral or documentation:

  • To borrow Access bank Lending Against Turnover (LATO) loan, dial *901*11#
  • To get Access Bank Payday loan, dial *901*11*1#
  • Dial *901*11*1# to get an Access bank Salary Advance loan
  • For Access Bank Small Ticket loan, dial *901*11*1#
  • Dial *901*11*2# to get an Access bank Cash-Backed loan

How to Borrow Access Bank Loan with USSD Code

Follow these required steps to borrow money from Access bank using the loan code:

  1. Dial *901*11# on your Access bank registered phone line. Mtn, Glo, Airtel or 9 Mobile.
  2. If qualify, you will be able to select the loan to borrow
  3. Enter your 4-digit USSD PIN
  4. Accept the terms and conditions
  5. Receive a successful message and your account credited

Access Bank Payday Loan Code and How to Qualify

Access Bank Payday Loan USSD Code is *901*11*1#

A Payday loan is an instant loan from Access bank to customers to borrow without collateral for up to 31 days at a low-interest rate. This loan is available for salary earners.

How to apply for Access bank Payday loan and requirement

How to Qualify for Access Bank PayDay Loan

The requirements to qualify for and get Access bank Payday loan by dialling the USSD code *901*11*1# (Mtn, Glo, Airtel or 9 Mobile) are:

  1. Have a salary account with Access bank
  2. Proof of salary payment at least the last 3 months.
  3. The phone number is linked to your BVN and Access bank account.

To understand better, read my detailed post on the Access bank Payday loan.


Salary Advance Loan Code and How to Qualify

Access Bank Salary Advance Loan USSD Code is *901*11*1#

A Salary Advance Loan is from Access bank to salary earners to borrow up to 200% of their net monthly salary and repay within 6 months.

How to Qualify for Access Bank Salary Advance Loan

The requirements to qualify to get Access bank Salary Advance loan when you dial the USSD code *901*11*1# are:

  • Have an Access bank salary account
  • Proof of salary payment in previous months.
  • Your phone number is linked to your BVN and Access bank account. Mtn, Glo, Airtel or 9 Mobile.

Access Phone Loan Code and How to Qualify

Access bank device/phone Loan USSD Code is *901*11#

A Phone Loan is a no-collateral loan from Access bank to salary account holders to buy a mobile phone and repay within 12 months.

 how to apply for Access bank Phone loan and requirement

How to Qualify for Access Bank Phone Loan

The criteria to qualify to get Access bank phone loan through USSD code *901*11# or Quickbucks app are:

  • Have an Access bank salary account
  • Proof of salary payment in previous months.
  • Your phone number is linked to your BVN and Access bank account. Mtn, Glo, Airtel or 9 Mobile.
  • Dial the USSD *901*11# or Quickbucks app to apply

Access Personal Loan Code and How to Qualify

Access bank personal loan USSD Code is *901*11#

A Personal loan is an offer from Access bank which enable customers to borrow up to 50% of their net annual salary and repay within 36 months.

How to Qualify for Access Bank Personal Loan

The requirement to qualify to get Access bank Personal loan through USSD code *901*11# or Quickbucks app are:

  • Have an Access bank salary account
  • Down payment of at least 50% of your loan facility
  • Your phone number is linked to your BVN and Access bank account. Mtn, Glo, Airtel or 9 Mobile.
  • Dial the USSD *901*11#, Quickbucks app, or visit any Access branch

Student Loan Code and How to Qualify

Access bank personal loan USSD Code is *901*11#

A student loan is a short-term loan offered by Access bank to individuals who need to pay tuition fees and repay within 6 months at a 20% interest rate.

How to Qualify for Access Bank Student Loan

The requirement to qualify to get Access bank student loan through USSD code *901*11# (Mtn, Glo, Airtel or 9 Mobile) or bank visit are:

  • Copy of school admission letter
  • Copy of tuition fee
  • ID card
  • Fill out the form online here or visit any Access branch.

If you meet the student loan requirement, borrow money from Access bank by filling out the form online here or by visiting any Access branch.


Who is Eligible for Access Bank Loan

Below are those who are eligible for the Access Bank loan:

  • Salary earners
  • Non-Salary Earners
  • Business owners
  • Students

A salary earner is eligible for an Access bank loan if he/she has a salary account and receives money into it monthly.

For a non-salary earner to be eligible for Access loans, you must have a consistent account turnover for months or collateral


How to Pay Back Access Bank Loan

To pay back your Access bank loan, ensure you have the money in your bank account before the loan due date.

If you got a loan through a salary account, to pay back Access bank will debit your account when you receive your salary.

Lastly, failure to repay your loan through your Access bank account, the bank has the right to debit your account from other banks.

This is part of the terms and conditions of the Access bank loan


Access Bank Loans for Non-Salary Earners

Below are the Access bank loans suitable for non-salary earners:

  • Lending Against Turnover (LATO) loan
  • Personal Loan
  • Student Loan

Access Bank Loans Code without Collateral

Below are the quick loans you can borrow with the Access Bank USSD code without collateral:

  • Personal Loan
  • Payday Loan
  • Small Ticket Personal Loan
  • Salary Advance Loan
  • Device/Phone Finance loan
  • Lending Against Turnover
Access Bank Loan Code without collateral

Access Bank USSD code to Check Loan Balance

To check your Access bank loan amount balance, dial *901*11# on Mtn, Glo, Airtel or 9 Mobile. Alternatively, use the Quickbucks App.

Another option to check your loan balance is to reach out to Access bank customer care through 0700300000 or official social media handles


How to borrow money from Access Bank apart from the USSD code

Below are other ways to get an Access bank loans instead of using the USSD code:

  1. QuickBucks App: You can get an Access bank loan by downloading the app on Google Platsore or IOS App Store
  2. WhatsApp Banking: Get a Payday loan through Access bank Whatsapp number +234-9090-901-901
  3. Access Bank Mobile App: Also, through Access mobile app, you can apply for and get a loan.
  4. Access Bank Internet Banking: Lastly, borrow money through Access bank internet banking such as personal loan

How do I borrow ₦50000 or more From Access Bank?

To borrow ₦50000 or even more than ₦300,000 from Access bank, dial *901*11#, Quickbucks app or Access mobile app. Then, enter the loan amount and accept the loan terms and conditions.

As long as your salary account is ₦50,000 minimum, you will get an Access loan of ₦50,000.

Also, you can borrow ₦300,000 if your monthly salary is around ₦100,000 to ₦150,000.

However, a non-salary earner is only eligible to borrow 20% of his/her monthly turnover for the Lending Against Turnover LATO loan


Access Loan Alternatives: Where to Borrow Money Immediately

Below are other platforms and banks where you can borrow money immediately without collateral:

Also Read:


Conclusion

Finally, I hope you now know the Access bank loan USSD code, requirements and how to apply for quick loans.

However, if the code doesn’t work, use alternative channels to get your Access bank loan such as the Quickbucks app.

You can also check my previous post on Access bank loan requirements to know all the types of loans offered by Access bank.

And if you are not qualified for any Access bank loan, consider Kuda loan or Branch loan.

Therefore, try it and let me know your experience.

Also, leave a message in the comment section below.

Leave a Comment