How to get Access Bank Loan in Nigeria

How to get Access Bank Loan in Nigeria - An important aspect of doing business with a loan, or even as an individual, is why organizations like Access Bank provide amazing loan services for their customers. Access Bank, one of the top banks in Nigeria, serves millions of customers, providing great online and offline services. This article is about all the services provided and how to get a loan from Access Bank

How to get Access Bank Loan in Nigeria


What service does Access Bank loan provide?

Access more mileage:

The loan service enables you to buy a new car comfortably, so this loan has been named Access more mileage. Access Bank funds you for your new car and also allows you to pay less than N170,000 per month.

Requirements/How to apply for Access more mileage:

  • Application Form
  • Pro-forma Invoice in the name of “Access Bank Plc. / Customer”
  • Valid means of identification
  • Letter of Introduction (for salaried customers)
  • Domiciliation of salary account with Access Bank (for salaried customers)
  • Employer’s Confirmation and Undertaking Form (for salaried customers)
  • Recent Pay Slips / Salary Bank Statement (for salaried customers)
  • Recent 2-year audited/management account (for business owners)
  • Bank Statements from other banks (for business owners)
  • Personal Guarantee of a director of the company (for corporates only)
  • Board Resolution (for corporates only)
  • Fill the form below to get started and a member of our team will reach out to you.

Cash backed loan: 

Cash backed loan provides you cash for immediate use. It is accessible from your mobile phone by dialing * 901 * 11 * 2 #.

Creative sector loan:

It is for entrepreneurs in any of the following cases; Fashion, IT, Film Production, Film Distribution, Music, and Software Engineering students. Access Bank offers loans to track your business based on your offer and how qualified you are.

Requirements / How to apply

  • Prepare your business plan or statement of how much you want for your business.
  • Visit any Access Bank branch with the above-mentioned document or apply online through our Creative Sector Loan Portal
  • Our Relations Officer will contact you for further discussion and process your loan request.
  • A maximum interest rate of 9% per annum (inclusive of all fees) is applicable on all loans.
  • The repayment period is maximum of 3 years for Software Engineering Student Loan and 10 years for Movie Production & Distribution, Fashion, Information Technology, and Music.

Device Finance:

A device finance loan satisfies your financial need to buy a new smartphone. It also has a contractual arrangement that provides a monthly airtime bundle.

Requirements / How to apply

  • Download the Quickbucks app from your App Store
  • Enter your email address and BVN link phone number
  • An OTP will be sent to you via SMS for verification. After verification, create an app password to log into the app) and the PIN used for the transaction
  • Input your personal details such as location, address, name, salary account name and number, BVN, etc. After that agree on the terms and conditions.
  • Click on the 'Device Finance' console. Select the phone of your choice and fill in the required details.
  • Click on 'Get this device'. Accept T&C
  • You will receive a transaction code via mail, among other requirements for pickup of the device
  • You can download the QuickBucks app from the Google Playstore or Apple Store.

Lending against turnover:

You can use this service if you have an Access Bank account for more than 6 months. This is related to your immediate financial needs as you do not need to establish dominance over your salary account with the bank. Dial * 901 * 11 # to get started.

Requirements / How to apply

  • 24/7 service that does not require to go to the bank and application is easily done through USSD code * 901 * 11 #
  • No documents required
  • No collateral required
  • 30-day loan

Personal Loan:

Personal loans are specially designed for the employees of the company. It can take a certain percentage of your net annual salary as long as your salary account is with the bank. To qualify, you must pay at least 50% of your existing benefits and have not been paid for the last 6 months.

Requirements / How to apply

  • Amount up to 75% of net annual salary (for applicants with terminal facility)
  • Amount up to 50% of net annual salary (for applicants without terminal facility)
  • Up to 36 months
  • Credit life insurance
  • Completed application form
  • Completed Staff Status Test / Employer Confirmation Form
  • Proof of confirmation (confirmation letter, final leaflet, etc.)
  • Copy of employment ID and valid means of identification
  • BVN
  • Credit check
  • Letter / set off

PayDay/Salary Loan:

Salary-loans are similar to personal loans, and as a result, they lend you a certain percentage of your future salary to cover the instant cash-flow gap. To benefit from this your salary account must establish dominance with the bank.

Requirements / How to apply

  • Its validity is 31 days or later pay-date (whichever comes first).
  • The interest rate for the facility is 4% flat and subject to periodic review based on money market conditions.
  • 1% operating fee
  • 0.15% Flat Credit Life Insurance

Advance for school fees:

Advance school fees help you pay for your child's education. This includes primary, secondary, undergraduate, postgraduate, and professional examinations.

Requirements / How to apply

  • Download the attached form and fill in the correct information
  • Attach your electronic signature to the form
  • Send the completed form and required documents to
  • The Access Bank team picked it up and started processing your loan
  • Your loan has been approved and the offer letter has been notified.
  • Upon receipt of the edited offer letter and all the required documents, the account is distributed to your account and immediately transferred to the school account.
  • You must submit a transaction receipt to the school

Small ticked personal loans:

Short ticket personal loans give you access to 400% of your net monthly salary for a period of 12 months.

Requirements / How to apply

  • 24/7 service which does not require going to the bank and is easily accomplished through quickbox application or USSD code * 901 * 11 # 1.
  • No documents required
  • No collateral required
  • Term of twelve (12) months

Vehicle finance:

It is a procurement service that allows customers to purchase new vehicles. It pays for you and allows you to repay slowly.

Requirements / How to apply

  • Salary income is open to individuals, SMEs, and corporations
  • Equity contribution equal to 10% of the invoice value
  • Competitive price
  • Up to 48 months
  • Different types of vendors to choose from
  • Complete vehicle lease application form
  • Run the ProForm from an authorized dealer of the bank
  • Credit check
  • Free transfer of ownership form

Home Loans:

A home loan or mortgage loan is for those who need property acquisition or building. It meets the bill and a convenient loan repayment schedule.

Requirements / How to apply

  • Available to salaried and business entrepreneurs
  • Available as property in Lagos, Abuja, and Port Harcourt
  • Minimum 30% equity contribution
  • Term up to 10 years
  • Asset protection and credit life insurance
  • Complete the mortgage
  • Staff Status Check / Employer Confirmation Form
  • Offer letter from the property seller
  • Property Title Document
  • Assessment report from any of the bank's authorized property appraisers
  • Search report
  • Credit check

Maternal health service support (MHSS):

This loan package raises family bills with infertility problems. These families usually suffer from expensive breeding techniques that can be ineffective. Some of the procedures covered under this loan are hysterectomy, myomectomy, dental, orthopedic, bariatric (weight loss procedure), etc.

Requirements / How to apply

  • MHSS application form has been completed
  • Possession of salary/occupation activities
  • Checking the status of the executed employee/employer confirmation i.e. your confirmation letter / latest promotion letter.
  • Copy of your employment ID and valid means of identification
  • Medical bill
  • BVN
  • Credit check

W-Power Loan:

This is a loan package designed especially for small and medium-sized enterprises for women. The basic requirement is that at least 50% of the business should be owned by a woman. Some of its sectors are fashion, manufacturing, catering and eateries, beauty and wellness, hospitality, and tourism.

Quick Bucks:

It is simply a platform that hosts various access banking services. Includes:

  • PayDay loan
  • Salary Advance
  • Small ticket personal loan
  • Device financing

You can download the Quickbox app on your mobile phone for easy access to these services. It is available on both Google Play Store and Apple Store.

You can apply for this loan service through your online platform. Just follow this link to visit their official website page


Access Bank provides awesome loan services that are sure to meet your personal and business needs. Check out their official website to get started today.

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