Access Bank Quick Loan: What You Need to Know Before Applying

Access Bank Quick Loan

If you’ve ever been caught in a financial emergency — maybe school fees are due, your rent is expiring, or you need to boost your business cash flow — then you’ll understand the value of accessing fast, reliable credit. That’s why I want to talk to you directly about Access Bank quick loan options, and how you can use them smartly.

Whether you’re a salary earner, entrepreneur, or just someone needing urgent funds, Access Bank has designed quick loans to be fast, flexible, and accessible right from your phone. Let’s break down how this works, what you need, and how to avoid common mistakes.

What Is Access Bank Quick Loan?

The Access Bank quick loan is a short-term, digital lending service that allows eligible customers to borrow money instantly without visiting a branch. It’s offered under several branded services like QuickBucks, PayDay Loan, and Small Ticket Personal Loan (STPL).

This loan product is available to both salary earners and self-employed individuals, with repayment typically tied to your next salary or a fixed tenor.

How to Apply for Access Bank Quick Loan

Access Bank offers multiple ways to apply for a quick loan. Here’s how you can do it effortlessly:

1. Using USSD Code

Dial *901*11# on the mobile number linked to your Access Bank account.
Follow the prompts to choose loan type and amount.
Confirm your request and wait for loan disbursement.

2. Using the QuickBucks Mobile App

Download the Access Bank Quick Loan app (QuickBucks) from Google Play Store or Apple App Store.
Log in with your BVN or registered mobile number.
Select your preferred loan product.
Review terms and submit the request.

3. Through the Access Bank Mobile App

Open the Access More app.
Navigate to Loans > Quick Loan.
Follow the instructions to complete your application.

Requirements for Access Bank Quick Loan

You don’t need paperwork or a long process. However, there are a few minimum requirements to be eligible:

An active Access Bank account (salary or personal).
A valid Bank Verification Number (BVN).
A consistent income flow (for some loan types).
A clean credit history (no default with any lender).
For USSD loans, your phone number must be linked to your account.

Types of Quick Loans Offered by Access Bank

Here are the top options available under Access Bank’s digital lending platform:

1. PayDay Loan

Ideal for salary earners.
Tenor: 30 days or next salary date.
Amount depends on salary inflow.

2. Small Ticket Personal Loan (STPL)

Designed for individuals needing small, short-term loans.
Flexible repayment options.

3. Device Financing Loan

Used to purchase smartphones or gadgets.
Paid over 3 to 12 months.

4. QuickBucks Bulk Loan

Higher loan amounts for qualified users via the QuickBucks app.

Interest Rates and Repayment

The Access Bank quick loan interest rate typically ranges between 3% – 10% monthly, depending on your loan type and duration.

Repayment

Automatically deducted from your account on due date.
You can also repay manually via app or USSD.

Make sure to maintain sufficient balance to avoid penalties or credit score impact.

How to Repay Your Quick Loan

If you prefer not to wait for automatic deduction, here’s how to repay Access Bank quick loan manually:

Dial *901*11# and select Repay Loan.
Or open QuickBucks App and go to the Repayment section.
Or repay directly from your Access Bank app dashboard.

Common Questions and Tips

What is the code for Access Bank Quick Loan?

The official USSD code is *901*11#.

Can I get Access Bank quick loan without BVN?

No. BVN is mandatory to verify your identity and credit profile.

Can I borrow without ATM card or app?

Yes, use the USSD method with your registered phone line. No ATM card is needed.

How fast is the disbursement?

Once approved, funds are credited instantly to your account.

What are the consequences of default?

Defaulting on a loan may lead to:

Negative credit rating with CRC/NIBSS.
Inability to access future loans.
Automatic deductions from other linked accounts.

The Access Bank quick loan system has truly simplified borrowing for Nigerians and global customers who bank with Access. If used wisely, it can be a lifesaver — whether it’s for business emergencies, medical needs, or unplanned expenses.

I always advise that you borrow only what you can repay and track your due dates to avoid unnecessary fees. Access Bank has made the process straightforward, and with tools like USSD, apps, and customer service, managing your loan is more convenient than ever.