Access Bank Loan Code: Your 2025 Guide to Fast, Easy Loans in Nigeria

Have you ever needed quick cash to handle an emergency, fund your small business, or simply cover daily expenses before your next salary hits? I’ve been there—and I know how frustrating it can be. The good news? With the Access Bank loan code, you can now borrow money instantly, right from your mobile phone, without the hassle of paperwork or long queues.

This guide will walk you through everything you need to know about how to borrow money from Access Bank in 2025 using USSD codes. Whether you’re a salary earner, a business owner, or a student, there’s a loan product tailored for you.

Access Bank Loan Code

The Access Bank loan code for USSD transactions is *901*11#. It gives you access to instant personal loans, salary advances, payday loans, and more—all without needing internet or visiting a branch.

What Can You Do with the Access Bank Loan Code?

With the *901*11# USSD code, you can:

• Apply for a personal loan
• Access a salary advance loan
• Check your loan balance
• Repay your loan
• Confirm your loan eligibility
• Borrow without a salary account
• Apply for a fast cash loan
• Get an instant credit loan
• Apply for loans even as a non-salary earner

This service is available 24/7 across all GSM networks in Nigeria. All you need is the mobile number linked to your Access Bank account.

How to Use the Access Bank Loan Code

Here’s a step-by-step guide I personally recommend:

1. Dial *901*11# from the phone linked to your Access Bank account.
2. Select the loan type you want—personal loan, payday loan, salary advance, or others.
3. Follow the on-screen instructions to accept the terms and conditions.
4. Once approved, your loan will be disbursed immediately to your account.

Loan Application Without a Salary Account

Yes, you can get a loan even without a salary account using the Access Bank QuickBucks platform or USSD. The eligibility criteria may vary based on your transaction history and existing account activity.

Types of Loans You Can Get via Access Bank USSD Code

Let’s break down the most popular types of loans offered through Access Bank’s USSD platform:

1. Access Bank Salary Advance Loan

• USSD Code: *901*11#
• Eligibility: You must earn a regular monthly salary and have your account domiciled with Access Bank.
• Benefit: Up to 75% of your monthly salary, instantly credited.

2. Access Bank Payday Loan

• USSD Code: *901*11#
• Fast and instant for salary earners with no paperwork required.
• You can use the code to check your Access Bank loan eligibility before applying.

3. Access Bank Business Loan

While business loans may require more documentation, Access Bank provides digital loan options for SMEs. The Access Bank business loan code in Nigeria may vary depending on the specific product, but you can begin inquiries with *901# or through their QuickBucks app.

4. Access Bank Quick Loan / Fast Cash Loan

This is one of the most accessible options for quick, low-amount, short-term loans.

• USSD Code: *901*11#
• Funds are typically disbursed in less than 5 minutes.

How to Check Access Bank Loan Balance

To know how much you still owe, simply dial:

Access Bank loan balance code: *901*11#, then select Loan Balance from the menu.

Alternatively, the code to check Access Bank payday loan balance follows the same process.

How to Repay Access Bank Loans Using USSD

To repay your loan, dial:

Access Bank loan repayment code: *901*11#, then choose the option to Repay Loan.

Ensure that your account has sufficient funds. Repayments are usually deducted automatically if you have an inflow, but you can also initiate them manually.

Eligibility and Terms

Before you dial the Access Bank USSD code to borrow loan, here are a few things you should know:

• Eligibility is based on your account activity, credit history, and salary inflow (for salary loans).
• Access Bank may use data like BVN credit checks and account turnover.
• Loan tenor ranges from 30 days to 12 months depending on the product.
• Interest rates range between 3% and 5% per month, subject to change.

To check if you’re eligible, simply dial the code to check Access Bank loan eligibility via USSD.

What if the Access Bank Loan Code Is Not Working?

There are a few reasons the USSD code might fail:

• Your phone number is not linked to your Access Bank account.
• You don’t have a working USSD profile.
• Network outages or system downtime.
• You might have reached your borrowing limit.

If this happens, contact Access Bank loan customer care number or use the Access Bank QuickBucks app as an alternative.

Frequently Asked Questions

What is the Access Bank loan app code?
Use *901*11# for loan-related USSD services. For the app version, download Access More or QuickBucks.

What code can I use to borrow money from Access Bank without a salary account?
You can still dial *901*11# and check available offers. Alternatively, explore the QuickBucks platform for other loan types.

How do I pay back my Access Bank loan using USSD?
Dial *901*11# and select the repayment option. Ensure your account is funded before attempting repayment.

What is the new Access Bank loan code in 2025?
As of the latest update, the USSD code to access all loan services remains *901*11#.

Access Bank has made it incredibly easy for everyday people like you and me to borrow money securely and instantly. Whether you need a quick loan for emergencies, salary top-ups, or business expansion, the Access Bank loan code is your gateway to fast financial support.

Just remember: borrow only what you need, know your repayment date, and use these tools responsibly.

If you ever get stuck, Access Bank customer care is available to assist. But with this guide, I’m confident you’re already several steps ahead.