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How to get Access Bank loan code

By Oluchukwu Ikemefuna

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With Access Bank loan code, you can apply for loans right from your mobile phone, without the hassle of visiting a bank branch or filling out lengthy paperwork.

Access Bank Loan Code

Whether you need funds for emergencies, or business ventures, Access Bank can help you achieve your financial goals.

In this article, we’ll view how to use Access Bank loan code to access the funds, with minimal fuss.

One of such loans from access bank that you can get with a code is the small ticket loan. It is targeted at customers who are salary earners that match up the bank’s Risk Acceptance Criteria (RAC).

Small Ticket Loan and the Repayment plans

Access Bank small ticket loan gives you up to 200% of your net monthly salary and pay it back in 6 months.

You can also get up to 400% of your monthly salary, which is the maximum amount and pay back in 12 month.

To be eligible for the small ticket loan, you must earn a minimum salary of ₦100,000.

During the loan repayment period, the money will be automatically deducted from your account.

Also, instead of paying back the loan for a 6 months period or a 12 years period, a customer can choose a one-off repayment plan.

It means to pay back the outstanding loan along with any accrued interest or fees at once. 

Customers who prefer or are interested in the one-off repayment plan can contact access bank on +234 700 300 0000 or +234 1 271 2005.

You can send an e-mail to contactcenter@accessbankplc.com. Also, visit any Access Bank branch to make a single lump sum payment to settle loans.

Loan Repayment Action

After applying for the instant digital loan, the repayment period starts immediately for a period of 6 or 12 months. The money is deducted automatically from the customer’s account. 

When customers do not follow up on loan repayment and have past the 31st due date, they will face a 1% penal charge every month.

If a customer’s account does not have funds during the repayment period and the loan is past its due date, then the money will be deducted from any account linked to the customer’s BVN. 

Documents Required

Some of the perks of the small ticket loan are that it is in operation at all hours of the day.

Also, you do not need to visit any bank branch or provide any document  or collateral to get the loan from access bank. 

All you have to do to acess this loan is to be an active customer with access bank for at least 6 months. Your eligibility to get a loan will be displayed when you apply for a loan.

Access Bank Loan Code

There are numerous ways you can apply for the small ticket loan. Here are three ways you can apply for the loan:

  • You can apply for the loan through the access bank loan code *901*11#
  • Another way is to apply for the Loan through the access bank quickbuck app. It can be download the app via Google Play Store or IOS App Store.
  • Finally, you can get the loan is to visit their website here and apply directly.

Loan Approval Duration

One perky detail about the small ticket loan is that you can apply for loans many times. This is as long as you have not exceeded the loan amount you are eligible for.

After applying for an access bank loan via any of the methods listed above, you will be credited immediately.

In a case where you will be credited in 24 hours and not immediately, Access Bank will notify you of the delay. 

Interest Rate of the Loan

 According to access bank, the interest rate for salary advance is 7% on reducing balance. Other charges include 1% management fee and 1% credit insurance, which is taken upfront.

What factors make you ineligible for the loan?

Although the loan is easy to access, there are still some criterias that will make you ineligible for the loan:

  • If you have a current loan and the repayment is higher than the next loan you are seeking, then you become ineligible.
  • Also, if you cannot provide proof of your salary payment for the previous month, you become ineligible for the loan.
  • Then, if you have loans you haven’t finished paying at Access Bank or other banks, you become ineligible.
  • Another way you can become ineligible for the access bank loan is if you apply for the loan with a phone number that is not linked to your BVN.
  • Overall, you can be disqualified for a loan application if you have gotten one previously and the money you have to pay back is higher than the loan you are currently eligible for.

Are there other Access Bank Instant Loan?

Apart from the small ticket loan, Access Bank also offers other instant loan plans with flexible repayment plans. Here are some instant loans offered by Access Bank:

Payday Loan

This loan plan is for salary earners who have accounts with access bank. The loan amount amounts to up to 75% of monthly salary with a 30 day repayment plan. This loan includes a 10% interest rate, 1% management fee and 0.3% credit insurance fee.

Salary Advance 

This loan plan is for salary earners who earn a minimum of ₦50, 000 and have accounts with Access Bank. This loan plan offers up to 200% of your monthly salary with a repayment plan of over 6 monthly installments.

This loan plan includes a 5.5% interest rate, 1% management fee and 0.7% credit insurance fee.

Device Finace Loan 

This is for salary earners who have accounts with access bank and also other banks. The loan amount is as high as 33% of the annual salary but limited to ₦500, 000 as the maximum amount, with a repayment plan of over 12 months installments.

This loan plan has a 30% interest rate and a credit insurance rate of 1%.

Access Bank Contact Information

If you have further questions or queries concerning the small ticket loan or the Access Bank loan code, then reach out to their helpdesk via telephone at 0700 300 0000.

You can also send a message via contactcenter@accessbankplc.com or visit any Access Bank branch close to you.


In conclusion, Access Bank’s loan code offers a convenient and accessible way to borrow money whenever you need it.

With just a few taps on your mobile phone, you can apply for loans and access funds quickly and easily.

Whether you’re facing unexpected expenses or pursuing your financial goals, Access Bank is committed to providing you with the support you need to thrive.

If you found this piece useful, kindly drop a nice comment.

Also visit and follow us on X @SiliconAfriTech, Instagram @SiliconafricaTech Twitter @siliconafritech for access to other useful contents.


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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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