Access Bank Loan Application: How to Apply, Qualify, and Get Disbursed Fast
Access Bank Loan Application
If you’re like me, you’ve probably had a moment where you needed financial support—whether for personal needs, your business, or an emergency. One of the easiest and most trusted ways to get help fast is through the Access Bank loan application process.
In this guide, I’ll walk you through everything you need to know: from eligibility, loan types, and interest rates to how you can apply either online, via app, or USSD. Whether you’re in Nigeria or another country where Access Bank operates, this article will help you take the right steps confidently.
Why Choose Access Bank for Your Loan?
Access Bank is one of Africa’s leading financial institutions, known for offering flexible loan packages that fit salary earners, entrepreneurs, youth corps members, and even savings account holders. Whether you’re applying through the Access Bank loan app for Android, USSD (*901#), or their corporate platforms, the bank has made borrowing as simple as possible.
Here’s why I recommend it:
- Quick disbursement (usually within minutes for prequalified users)
- No collateral required for many loan types
- Transparent loan terms
- Access to both personal and business loans
- Digital platforms like QuickBucks and Access More app
Types of Loans Offered by Access Bank
Access Bank provides a wide range of loan products depending on your need and account type:
1. Personal Loans
Ideal for salary earners or individuals with steady income. These are unsecured loans that can be repaid over months.
2. Payday Loans
Short-term loans for employees who need emergency cash before payday.
3. Business Loans
Access Bank offers structured SME loan products and term loans for businesses with consistent cash flow.
4. Youthrive Loans
Specifically designed for youth-led businesses and NYSC members.
5. QuickBucks Loans
Digital loans accessible via the Access Bank loan app, offering speed and flexibility for low-to-mid income users.
Who Is Eligible for Access Bank Loans?
You may qualify if you meet any of the following:
- You are 18 years or older
- You have an active Access Bank account
- You receive regular income or salary through Access Bank
- Your BVN and KYC details are up to date
- You have a good credit history with no outstanding unpaid loans
Some loans require minimum account activity or salary thresholds. Always check the product terms before applying.
How to Apply for a Loan from Access Bank
You can apply using three main methods depending on your preference and loan type.
Option 1: Using the Access Bank Loan App (QuickBucks)
- Download the QuickBucks app from Google Play Store or Apple App Store
- Register using your Access Bank account number and BVN
- View your pre-approved offers (if available)
- Choose loan type, amount, and duration
- Accept the terms and conditions
- Submit and receive funds within minutes if approved
Option 2: Via USSD Code
- Dial
*901*11#to apply for a Payday Loan - Follow on-screen prompts
- No internet connection needed
Option 3: Via Access More Mobile App
- Log in using your credentials
- Navigate to “Loans”
- Choose “Apply for a Loan”
- Complete the required fields and submit
Loan Application Tips
Here are a few real-world tips to increase your approval chances:
- Maintain account activity: Access Bank reviews transaction history before approving loans
- Update your contact details and BVN: This helps with verification
- Avoid defaulting on previous loans
- Apply for an amount within your income range to avoid rejection
Access Bank Loan Interest Rate and Repayment
Interest rates vary depending on loan type. For example:
- Payday loans often have 1%–3% monthly interest
- Personal and business loans may range between 12%–25% annual interest, depending on the risk profile
Loan repayment is typically done by direct debit from your account. You can also:
- Pay manually via the QuickBucks or Access More app
- Repay using the loan repayment code: 90111#
Early repayment reduces your total interest, and some loans allow you to top up or restructure if needed.
Loan Support and Contact Channels
If you need help at any point:
- Call Access Bank customer care: 0700 300 0000
- Use the loan customer care number or email provided in the app
- Visit any branch and ask for the loan desk
- Chat via Access Bank’s live chat or QuickBucks in-app support
Applying for a loan doesn’t have to be complicated. With Access Bank loan application platforms like QuickBucks, USSD codes, and online banking, you can secure funds from the comfort of your home or office. Whether you’re looking for a personal boost or to finance a small business, Access Bank provides reliable, fast, and user-friendly solutions tailored to your needs.