How to Borrow Money from Access Bank

Have you ever found yourself in a situation where you urgently needed cash but didn’t want the hassle of paperwork or long waiting times at a physical bank branch? I’ve been there too. Whether it’s for an emergency, a business opportunity, or just a short-term need, knowing how to borrow money from Access Bank can be a lifesaver—especially if you want speed, simplicity, and security.

Access Bank offers several ways to borrow money. Whether you’re a salary earner, self-employed, or running a small business, there’s an option for you. Here’s how to go about it:

1. Using the Access Bank Mobile App

If you have a smartphone, this is the easiest way to request a loan.

Download and log in to the Access More app
Tap “Loans” on the home screen
Select the loan type (e.g., PayDay Loan, QuickBucks, or Device Financing)
Enter the amount and choose your repayment period
Review terms and confirm

This method answers the question of how to borrow money from Access Bank app or how to loan money from Access Bank app.

Requirements:

Active Access Bank account
Good transaction history
BVN linked to your account
No outstanding loan obligations

2. Borrowing via USSD Code

Don’t have a smartphone? No problem.

To borrow using a USSD code, dial:

*901*11#

Follow the prompts to select your loan type and complete the process. This is perfect if you’ve been wondering how to borrow money from Access Bank using code or how to borrow money from Access Bank with USSD code online.

Important Tips:

Use the phone number linked to your Access Bank account
Ensure your SIM is active and capable of receiving SMS for OTPs

3. Borrowing Without a Salary Account

Wondering how to borrow money from Access Bank without a salary account? While salary earners may get faster approvals, non-salary earners can also access loans through:

QuickBucks platform
Digital loans based on transaction history and BVN
Collateral-backed loans for business owners

Simply ensure your account is active, and you maintain good credit behavior.

4. Borrowing Without Collateral

Most of Access Bank’s digital loans—especially PayDay Loan and QuickBucks Loan—do not require collateral. If you’re asking how to borrow money from Access Bank without collateral, this is your best bet.

5. Borrowing Online

Besides the mobile app and USSD, you can borrow online by logging into your Access Bank QuickBucks portal or internet banking. This approach is ideal if you’re researching how to borrow money from Access Bank online.

Loan Products Offered by Access Bank

Here’s a quick breakdown of the major loan options you can access:

PayDay Loan: For salary earners needing short-term loans
QuickBucks Loan: Instant loans accessible via app or USSD
Device Financing: Buy phones or electronics and pay over time
Personal Loan: Medium-term loans with flexible repayment
Small Business Loan: Tailored for entrepreneurs and SMEs

Each product has its eligibility requirements, which you can review during the application process.

Code to Borrow Money from Access Bank

If you’re searching for the direct code, here it is again:

*901*11#

This USSD code is reliable and works across all major mobile networks in Nigeria. It’s ideal for those asking what code can I use to borrow money from Access Bank or code to borrow money from Access Bank without collateral.

Eligibility and Loan Approval

Before Access Bank lends you money, here’s what they typically consider:

Your transaction history
Existing loan status (if any)
Salary inflows (for salary-based loans)
Your BVN (used to check your credit behavior across banks)

How to Repay Your Access Bank Loan

Repayment is usually automatic. The amount will be deducted from your Access Bank account on the due date. If you want to repay early, simply:

Log in to the mobile app
Go to “Loans”
Select your active loan
Choose “Repay Now”

You can also use Access Bank USSD code for repayments, or visit a nearby branch.

How to Check Loan Balance from Access Bank

To check your outstanding balance:

Dial *901*11# and follow the prompt
Or check via the mobile app under “Loan Summary”

If you’ve been wondering how to check my loan balance from Access Bank, this will keep you informed and help avoid missed payments.

Real-Life Scenario

Let’s say you need to settle a medical bill urgently. You dial 90111#, request ₦50,000, and within 3 minutes, the money hits your account. That’s how fast and efficient Access Bank’s loan process can be—especially compared to traditional loan systems that require long queues and paperwork.

Borrowing Funds From Access Bank NG

Access Bank has made it incredibly easy for you to get financial help when you need it most. Whether it’s through the mobile app, USSD, or QuickBucks, you no longer have to worry about delays or being stuck in emergencies. Knowing how to borrow money from Access Bank means you now have options—fast, flexible, and secure ones.

Make sure your account stays active, maintain a healthy financial record, and always repay loans on time. That way, you’ll qualify for even higher amounts in the future and build a solid relationship with your bank.

Whether you’re in Lagos, Abuja, or outside Nigeria, Access Bank’s loan services are designed to be at your fingertips—just when you need them most.

How to Borrow Money from Access Bank