If you’re searching for an Access Bank loan, you’re probably trying to solve one of these problems:
- You need quick cash for an emergency before payday.
- You want a structured loan you can repay over months (salary or turnover-based).
- You saw *901*11# online and want the correct steps that actually work.
This guide breaks down how to borrow money from Access Bank using the official channels: USSD, QuickBucks, and the AccessMore/Access Mobile App. You’ll also see eligibility requirements, typical tenors, common decline reasons, repayment tips, and scam-proof safety rules.
Access Bank loan USSD code (the correct codes)
The official Access Bank loan USSD code is:
- *901*11#
Access Bank also states that PayDay Loan can be accessed via:
- *426*11# (alternative string, depending on channel/availability)
Important: Only dial these codes on the phone number linked to your Access Bank account/BVN.
How to apply for an Access Bank loan with USSD (*901*11#)
If you want the fastest method (no app, no internet), use USSD.
- Dial *901*11# on your registered phone number.
- Select the loan option shown to you (what you see depends on your eligibility).
- Enter the amount (or select from the eligible amount displayed).
- Review the repayment terms on-screen and confirm.
- Authenticate using your USSD PIN and submit.
If *901*11# doesn’t work due to network or session issues, try the alternative string *426*11# (where available) or apply via QuickBucks.
Related: How to Apply for FairMoney Loan in 2026
How to apply for an Access Bank loan on QuickBucks (recommended)
QuickBucks is Access Bank’s digital lending platform. It helps you apply, track offers, and manage eligible loans in one place.
Apply here: QuickBucks Website
Steps:
- Open QuickBucks and sign up/login using your BVN-linked phone number.
- Choose the loan product available to you (PayDay, Salary Advance, Small Ticket, etc.).
- Complete the required details (basic identity + account checks).
- Review your offer (amount, tenor, total repayment, fees).
- Accept and submit.
- If approved, funds are disbursed to your account.
How to apply via the AccessMore / Access Mobile App
You can also apply through Access Bank’s mobile app:
- Log in to the AccessMore/Access Mobile App.
- Go to Loans & Investments.
- Select the loan offer available to you.
- Confirm and submit.
Access Bank also lists Internet Banking and WhatsApp Banking as application channels for some loan products.
Types of Access Bank loans (and who each one is for)
Access Bank offers different loan products depending on your income pattern and account history. The most common ones people search for include:
1) PayDay Loan (instant loan for emergencies)
- Best for: urgent bills before payday
- How to apply: *901*11#, *426*11#, QuickBucks, Access Mobile App, Internet Banking, WhatsApp Banking
- Typical tenor: commonly 30 days or next salary payment (whichever comes first), depending on your offer
2) Salary Advance (6-month salary-based loan)
- Best for: salary earners who want higher amounts and structured repayment
- Typical tenor: 6 months (180 days)
- How to apply: *901*11#, QuickBucks, AccessMore/Access Mobile App
3) Small Ticket Personal Loan
- Best for: eligible salary account holders who want a personal loan offer beyond PayDay
- How to apply: *901*11#, QuickBucks, AccessMore/Access Mobile App
4) Instant Business Loan (for MSMEs with account activity)
- Best for: business owners with consistent turnover who need short-term financing
- How to apply: QuickBucks
Access Bank PayDay Loan: requirements, tenor, and typical charges
PayDay Loan is positioned as a digital loan you can request without visiting a branch. Approval is still subject to Access Bank’s internal eligibility checks.
Who is usually eligible?
- Customers who meet the bank’s risk and eligibility criteria
- Often stronger for customers with salary inflow and consistent account activity
Tenor (how long you have to repay)
Access Bank’s PayDay Loan FAQ commonly states the tenor as 30 days or your next salary payment (whichever comes first), depending on your offer.
Rates and fees (what you should expect)
Rates can change and are shown in your offer screen before you accept. As an example, Access Bank’s Key Facts Statement and FAQs have shown structures like:
- Interest: may be quoted as a flat rate for the tenor (example: 12% flat in one published sample)
- Upfront charges: may include management fee and credit life insurance (examples appear in official FAQs/KFS documents)
Practical rule: always judge the loan by the total repayment shown in your offer, not only the headline rate.
Related: How to Apply for EaseMoni Loan in Nigeria (2026 Guide)
Access Bank Salary Advance: key requirements and what affects approval
Key eligibility requirement (important)
Salary Advance generally requires that your salary account is with Access Bank and has been active for at least six (6) months.
How much can you get?
Access Bank’s disclosed examples often reference borrowing up to a multiple of monthly salary (subject to your profile, obligations, and bank policy).
What commonly reduces your eligible amount?
- Outstanding loans (Access Bank or other lenders)
- Irregular salary history
- Using a phone number not linked to your BVN
Small Ticket Personal Loan: common eligibility checks
Small Ticket eligibility depends on the bank’s assessment. Common issues that affect eligibility include:
- Outstanding loans with Access Bank or other banks/lenders
- Using a phone number not linked to your BVN
- No evidence of recent salary payment (for salary-based offers)
Instant Business Loan: what MSMEs should know
If you’re applying as a business owner, Access Bank’s Instant Business Loan FAQs commonly highlight:
- Your business account should be active for a minimum period (e.g., 3 months in some documents)
- Loan amount can be linked to turnover/cashflow averages
- Rates/fees are disclosed before acceptance and may include management/advisory/insurance charges
If you’re exploring this route, QuickBucks is typically the best starting point because it shows what you qualify for and what you don’t.
How to repay an Access Bank loan (and how to liquidate early)
Most Access Bank digital loans are repaid via deductions/repayment schedules tied to your account. To avoid penalties:
- Keep repayment funds in your account before due date
- Avoid stacking multiple loans at once
- If you want to pay off early, check if your loan type allows early liquidation
Access Bank also states that customers can self-liquidate some loans via USSD or QuickBucks, or contact support/visit a branch for assistance.
Support channels:
- Email: contactcenter@accessbankplc.com
- Phone: 0700 300 0000, +234-201-2712005-7
- Help page: Access Bank Help & Support
Why your Access Bank loan request may be declined
If your Access Bank loan is not approved or you don’t see loan options on *901*11#, these are the most common reasons:
- BVN/phone mismatch: you’re applying with a number not linked to your BVN
- Low or inconsistent inflow: salary/turnover history doesn’t meet eligibility thresholds
- High existing loan exposure: outstanding loans reduce your eligibility
- Account history is too new: some products require months of activity (salary or turnover)
What to do: ensure your BVN-linked number is used, keep steady inflows, and reduce outstanding loans before trying again.
Related: How to Borrow Money from Moniepoint Loan in 2026
Security tips (avoid loan scams)
Loan keywords attract scammers. Protect yourself:
- Do not pay “activation fees” to anyone claiming they can unlock a loan for you.
- Never share your OTP, USSD PIN, card PIN, or mobile banking password.
- Only apply through official channels: *901*11#, QuickBucks, AccessMore/Access Mobile App, Internet Banking, WhatsApp Banking.
FAQs
What is the Access Bank loan code?
The official Access Bank loan USSD code is *901*11#. Access Bank also lists *426*11# for PayDay Loan access (where available).
Can I get an Access Bank loan without collateral?
Some Access Bank digital loans are positioned as no-collateral/no-documentation products, but approval depends on eligibility checks and your account history.
How long does it take to get an Access Bank loan?
For eligible customers, disbursement can be fast once the offer is approved. Timing can vary based on verification and eligibility checks.
Why am I not eligible for PayDay Loan on *901*11#?
Common reasons include BVN-linked number mismatch, insufficient account activity/salary evidence, or existing loans reducing eligibility. Try QuickBucks for clearer visibility of available offers.