Access Bank Loan Code And How To Borrow Money Instantly With It (Payday Loan)

Are you searching online for how to get a loan from Access Bank? This guide is for you! This page features Access Bank loan code and how to use it to borrow money instantly. Read on!

Sometimes you may have an emergency that will require you to handle with money before payday and you may be low on cash. On such moments, your bank can come through for you.

Interestingly, Access Bank now has a payday loan feature which allows its eligible customers to borrow a certain amount of money and repay it at a stipulated period of time.


How Does Access Bank PayDay Loan Work?

Access bank PayDay loan is a digital and swift loan which is given to customers instantly and is focused on mostly salary earners who meet the Bank’s Risk Acceptance Criteria (RAC).

The loan can be accessed via Access Bank loan code (also called Access Bank Quick loan code), Whatsapp banking, mobile app or internet banking platform. The fastest of them being the USSD code option.

What Is Access Bank Quick Loan Code?

The official Access Bank loan code borrowing money is *911*11*1#.


Other variations of the Payday loan code are: *901*14#, *901*11# and *426*11# for Access Diamond Bank customers.

With this string of numbers, customers of the bank can access up to N1 Million loan instantly, provided their account is in good standing and meet the other loan requirements.

However, it is worth knowing that this particular loan facility by Access Bank Nigeria, is only available to workers who operates a salary account with the bank. If you are not a salary earner, the bank has other loan types which you may be eligible to get, but not this particular one.


How Many Times Can The Loan Be Assessed?

You can access for the bank loan as many times as you need it, provided that you’ve not exceeded your eligible balance.

Features Of The Access Bank Loan

Access Bank Payday has some unique features which sets it apart from those of other banks. These are:

  • The loan is available 24/7 and does not require a visit to a bank branch
  • Application is done conveniently by dialing a unique code
  • You can also request loan via QuickBucks App, Internet Banking and Mobile App
  • It does not require any documentation
  • It does not require any collateral
  • You get up one month tenor

How To Borrow Money With Access Bank Loan Code

You can request for Access Bank loan by dialing *911*11*1# then follow the on-screen instructions. If your application is successful, the money will be credited into your salary account almost immediately.


You can also apply for the loan via Access Internet Banking, Access WhatsApp Banking, Access Mobile App and Access QuickBucks App.

Bear in mind that a salary account is needed for the loan application to be successful. If you don’t already have one, when you request for the PayDay loan, an Access Bank salary account will be opened for you automatically and the loan will be sent into the new account.

When Is The Access Bank Quick Loan Due For Repayment?

Access Bank Salary Loan is usually due for repayment in the next 30 days from the day the loan was taken. The loan amount will then be automatically deducted from your salary account (next salary).


Can I Pay For The Payday Loan Before Due Date?

Customers are free to pay off the loan at their own convenience. Interested customers can pay off their existing PayDay Loan on the QuickBucks platform.

What Happens If There’s No Money In My Account For Repayment On The Due Date?

The loan amount will be deducted from any money entering your account. When the loan is past its due date, the money will be deducted from any Access Bank account linked to your BVN.

Is There Any Repercussion For Not Paying The Loan On Due Date?

Customers will face a 1% penal charge per month for failure to repay the loan from 31 days past due.


How Long Does It Take To Get Access Bank Loan After Applying With The Code?

Once your loan request has been reviewed and deemed successful, your Access Bank account will be credited immediately. However, it may take up to 24 hours to process before your account is funded. In such case, a notification may be sent to you explaining the delay.


Access Bank now allow its customers to borrow money and pay back at a given time. This loan however, is for only salary earners banking with the financial institution.

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