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Author: Bukky

  • Access Bank Maternal Health Service Support (MHSS) Loan

    Access Bank Maternal Health Service Support (MHSS) Loan

    Access Bank Maternal Health Service support loan is designed to help women scale through one of the miracles of life. Starting a family is a great journey that brings immense happiness, hope, and dreams. However, the road to parenthood can be a challenging and unpredictable one. There are lots of couples that face financial constraints due to the high cost of fertility treatments and the need for multiple cycles. This can add emotional stress and put a significant burden on families.

    Access Bank Maternal Health Service Support (MHSS) Loan

    It is therefore important to have a tailored solution that addresses these challenges and provides quality healthcare. Women, in particular, often face chronic health conditions and require support for their overall health and well-being at different stages of life. In response to the evolving needs of women’s health, Access Bank has expanded and rejuvenated its Maternal Health Service Support (MHSS) to cover fertility treatments, natal support, vital Paediatric care, and essential Cancer treatments.

    Access Bank Maternal Health Service Support (MHSS) Loan

    Maternal Health Service Support (MHSS) is a discounted health financing solution exclusively created to assist women and families with simple and convenient payment options for their health procedures. They provide healthcare services beyond childbirth, catering to various health needs such as Fibroid treatments, Dental & Optical surgeries, Orthopaedic, Bariatric (weight loss procedures), and more.

    It is a partner you can depend on for various health journeys with empathy, compassion, and financial ease. MHSS’s commitment to your well-being has resulted in the birth of over 81 healthy babies, marking significant milestones in numerous families’ lives.

    Features of MHSS Loan

    Here are the features of this loan.

    • There are no fees for the loan.
    • You get a highly subsidized interest rate.
    • There is a flexible repayment plan.
    • You get up to 10 million Naira for health procedures.
    • There is no collateral requirement for salary earners.
    • You get access to our exclusive network of partner fertility clinics and other health service providers in Nigeria.
    • There is flexible collateral for business owners.

    Eligibility Criteria for MHSS Loan

    The criteria needed to be eligible for this loan are outlined below. However, the eligibility criteria differ for salary earners and business owners.

    Salary Earners

    • Receipt of at least 1-month salary with the Bank
    • The salary account of the applicant must be opened, and salaries domiciled with the Bank.
    • 3 satisfactory credit checks
    • Debt Service Ratio (DSR) must not exceed 33.3% of monthly income.
    • Confirmed employment status evidenced with confirmation/promotion letter.

    Business Owners

    • Business must be duly registered, and in operation for at least 1 year evidenced by a 1-year bank statement.
    • Business accounts must be opened and cashflows domiciled with the Bank for at least 30 days.
    • 3 satisfactory credit checks.
    • Their minimum annual business turnover should be eight (8) Million Naira
    • They need to bring a credible guarantor with a net annual income/turnover of at least 400% of the loan amount.

    Requirements for Application

    To apply for this loan, you will need:

    • Completed MHSS loan application form.
    • Domiciliation of Salaries/ Business Proceeds.
    • Executed Employee Status Inquiry/Employer’s Confirmation form.
    • To provide a confirmation letter/ last promotion letter.
    • A referral and medical bill from the Hospital.
    • BVN
    • To provide a copy of Employment ID and valid means of identification.
    • Credit checks.
    • Provision of credible guarantor (for business owners only)

    How Do I Apply for The MHSS Loan?

    If you want to apply for this loan, it is advised you visit your preferred health service provider to get a treatment plan/bill. (Access Bank under the Maternal Health Service Support also has partnerships with experienced medical experts/providers from which you can choose.) Nonetheless, if you already have a medical provider, the bank will still finance the procedure. Next, you need to confirm the loan amount accessible based on your income, meet the eligibility criteria, and provide all loan documents for processing. After this, you can then apply online at https://www.accessbankplc.com/personal/borrowing/mhss

    Frequently Asked Questions

    What Health Aspects Are Covered by MHSS?

    MHSS financing covers local and international treatments for fertility, natal support (child delivery), pediatric care, fibroid treatments, dental and optical surgeries, orthopedic, bariatric (weight loss), cancer treatments, and other specialized aspects.

    How Can I Access an MHSS Loan If I Do Not Have A Source of Income?

    You can get a 3rd party sponsor, like a friend, relative, or colleague who meets the above eligibility criteria to apply on your behalf.

    Is My Confidentiality Assured While Taking the MHSS Loan?

    All the information exchanged under this loan will be handled with utmost confidentiality and will only be available to appropriate parties.

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  • How to Apply for Access Bank Salary Advance Loan

    How to Apply for Access Bank Salary Advance Loan

    As a salaried employee, you have access to different types of loans, including essential bank loans. The Access Bank salary advance loan is an ideal loan product designed to meet the needs of the average salary earner in Nigeria. This loan is a great option for covering emergency expenses until your next paycheck arrives.

    Access Bank Salary Advance Loan

    Access Bank Salary Advance Loan

    If you are an employee facing an urgent financial need such as rent, medical bills, school fees, etc., Access Bank’s salary advance loan can help you with the necessary assistance. With salary advance, you can receive an advance payment before your salary is paid.

    By opening a salary account, you can access a range of loans tailored to your specific needs. Also, you can benefit from a 5.5% reduction in interest rates on loans. The loan is designed to cover up to 200% of your net monthly salary, and you can repay it in six monthly installments.

    Features of Access Bank Salary Advance Loan

    Here are the features of the Access Bank Salary Advance Loan.

    • 24/7 service which does not need you to visit the bank. The application is done easily via the QuickBucks App or USSD code *901*11*1#.
    • No documentation is required.
    • You will not need any collateral.
    • Six (6) months tenor.

    How To Apply for Access Bank Salary Advance Loan?

    You can apply for a Salary Advance Loan through any of the following ways listed below:

    • Dial the USSD code *901*11#
    • QuickBucks

    Download the QuickBooks app. It is available on the Google Play store or iOS App Store

    Or you can visit the QuickBucks website

    Access Bank Salary Advance Loan Eligibility

    To be eligible for this loan;

    • You need to have a salary account domiciled with Access bank
    • Your salary account needs to be active for at least the last 3 months before application.
    • Your monthly salary should be at least N50,000.

    What Can Affect Your Loan Eligibility

    Your eligibility will be affected;

    • If you have any outstanding loan(s) in Access Bank or other financial institution.
    • When you apply with a phone number not linked to your BVN.
    • If there is no evidence of you receiving salary payment in the previous month.
    • When you have taken a prior digital loan and exceeded your eligible amount.
    • If you have an existing loan already and the monthly repayment is higher than your eligible amount.

    Benefits of Access Bank Salary Advance Loan

    Here are the benefits of taking an access bank salary advance loan.

    • The loan application is swift. It does not require a mountain of paperwork.
    • Loan disbursement takes place as soon as your loan is being confirmed.
    • A salary advance loan provides a flexible payback schedule that consists of six months of equal monthly installments.
    • It has a competitive interest rate without hidden charges.
    • The loan is available to salary earners and employees.

    Frequently Asked Questions

    What Are the Fees for Salary Advance?

    The interest rate for a Salary Advance loan is 5.5% on reducing balance. In addition, there are upfront fees of 0.7% for credit life insurance and 1% for management.

    How Much Can I Get with Salary Advance?

    The maximum amount you can get is 200% of your monthly salary. It will show your eligibility when you apply for the loan.

    How Much Salary Should I Earn to Qualify for A Salary Advance Loan?

    To qualify for Salary Advance, you must earn a minimum of ₦50,000.

    When Is Salary Advance Loan Due for Repayment?

    Every thirty days from the date of the loan, three payments need to be paid back for the Salary Advance. An automated debit will be made from your account for the payback amount.

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  • How to Withdraw from PiggyVest

    How to Withdraw from PiggyVest

    Making withdrawals from your Piggyvest account is easy, regardless of whether you have reached your savings goal or you simply need quick cash. For withdrawals, you must have a valid bank account. Also, you must have the phone number linked to your Piggyvest account. In this article, we’ll be giving you the information on how to withdraw from PiggyVest.

    How to Withdraw from PiggyVest

    How to Withdraw from PiggyVest

    You can withdraw any time on PiggyVest from your Flex wallet to your bank account or your pocket free of charge. Withdrawals typically take a few hours to a few business days to process, depending on the bank and the specific PiggyVest plan.

    To withdraw funds from your PiggyVest account, here are the steps to follow:

    • Launch the PiggyVest app or visit the Piggyvest website and log in to your account.
    • Look for the “Withdraw” option from your Flex wallet. This is typically found in the menu or dashboard.
    • Generate a 2FA OTP and an OTP will be sent to your phone number linked to your PiggyVest account.
    • Now, enter the amount of money you want to withdraw. Ensure that you meet any minimum withdrawal criteria and that the withdrawal does not exceed your available balance.
    • Enter the withdrawal details, including the bank account you want the funds transferred.
    • Look out for any withdrawal fees or penalties, especially if you are withdrawing from a plan with a lock-in period, like Safelock.
    • Once everything looks good, just click on “Withdraw Now” to submit your withdrawal request.

    Before submitting, please review all the details to ensure they are correct. Keep in mind that the specific process may vary slightly based on updates to the platform or specific features you are using.

    PiggyVest Withdrawal Windows and Charges

    PiggyVest typically allows users to withdraw for free on specific dates predetermined by the platform. These are known as the free withdrawal dates. Withdrawals on any other date might incur a penalty, except for withdrawals from the Flex account, which usually can be done at any time without penalties.

    Always confirm the withdrawal amount and ensure it complies with minimum or maximum withdrawal limits. Also, review any potential charges that might apply to your withdrawal, especially if you’re withdrawing outside the designated free periods.

    Note that certain savings options may have specific withdrawal windows or days when you can withdraw without incurring a charge. Withdrawals outside these periods might attract fees.

    Charges for Withdrawals Outside Free Windows

    Flex Account Withdrawals: Usually free, withdrawals from the Flex account are possible whenever you choose. More flexible access to money is possible with the Flex account because it doesn’t have withdrawal fees like other savings plans do.

    Safelock, Target Savings, and Piggybank: Withdrawals made outside of the specified free withdrawal periods may be subject to fees for other products such as Safelock, Target Savings, and Piggybank. Specifically, safelock is intended for fixed savings; withdrawals before the maturity date may be prohibited or subject to heavy fines.

    Penalties: PiggyVest may impose a penalty if you make a withdrawal outside of the free withdrawal periods. Usually, this fine is expressed as a percentage of the money you are withdrawing. By discouraging withdrawals before scheduled times, the goal is to strengthen the saving habit.

    PiggyVest Customer Care Support

    If you encounter any issues or have questions about your withdrawal, contact PiggyVest’s customer support for assistance. For specific questions about withdrawal windows, charges, or any issues with your account, reaching out to PiggyVest’s customer support is advisable. They can provide the most accurate and up-to-date information.

    How do I get OTP for Piggyvest withdrawal?

    To complete your withdrawals, and set up your security question on PiggyVest, you will have to input OTPs. An OTP will be sent to your specified phone number linked to your PiggyVest instead of just email addresses as we used to.

    FAQs

    Are withdrawals free?

    Yeah. The withdrawal of funds from your Flex Naira account won’t incur any fees. But be aware that if you withdraw more than four times in a month, you will lose all of your accrued interest.

    How much can I withdraw?

    You can withdraw as much as you want with your Flex Naira account as you like. But N2,000 is the minimal withdrawal amount.

    Is PiggyVest withdrawal instant?

    Absolutely! You have the option to choose one of the quarterly fixed free withdrawal dates provided by PiggyVest OR to create your free withdrawal dates. You can transfer to your bank, Pocket, or Flex Naira accounts.

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  • How Does Piggyvest Investment Work

    How Does Piggyvest Investment Work

    How does Piggyvest investment work? Popular savings and investment website PiggyVest allows users to save money and receive interest or invest in several options with the potential for higher returns. You may set up automated savings of any amount on a daily, weekly, or monthly basis with the PiggyBank PiggyVest plan. It helps you develop sensible money management habits and includes a manual money addition feature to ensure that you keep up your saving efforts.

    With this plan, you can earn interest of up to 10% annually.

    How Does Piggyvest Investment Work

    How Does Piggyvest Investment Work

    Here is how the investment side of PiggyVest, often referred to as “Investify” or a similar investment feature, works:

    To start investing with PiggyVest, you first need to sign up and create an account. This involves providing some basic information and possibly verifying your identity to comply with financial regulations.

    After creating an account, you may use the site to go through the many investing options. Pre-screened small and medium enterprise (SME) investments, real estate, agricultural projects, and other possibilities are often available through PiggyVest. Each investment opportunity comes with detailed information, including the expected returns, duration, and risk level.

    After reviewing the available options, you can choose an investment that aligns with your financial goals and risk tolerance. It’s critical to take into account the projected return rate, the investment’s term, and any possible hazards.

    To invest, you’ll specify the amount you wish to invest and follow the process to transfer funds from your PiggyVest wallet or linked bank account to the chosen investment. The minimum amount required can vary depending on the specific investment opportunity.

    After investing, you can monitor the progress of your investment through the PiggyVest dashboard. This allows you to see how your investment is performing over time and provides updates on the project or business you’ve invested in.

    You will get a credit back into your PiggyVest wallet upon the investment’s maturity, along with the guaranteed profits. Depending on the specific investment, returns may be given out on a monthly, quarterly, or final basis.

    When your investment matures and the profits are transferred to your wallet, you have two options: either withdraw the funds and deposit them into your bank account, or opt to reinvest the profits into another project.

    Get Up to 25% Returns on PiggyVest

    PiggyVest gives you up to 25% returns, a 6 to 12-month duration. The “25% returns” part signifies that the maximum expected profit on your investment is 25% of the amount you invest. For example, if you invest $100, a 25% return would mean you earn a profit of $25 on top of your original investment, bringing the total value of your investment to $125.

    When an investment opportunity says, “up to 25% returns, 6 to 12-month duration,” it usually means that a profit of up to 25% on the money invested is expected over six to twelve months. If you invested $1,000 in such an opportunity, and the investment achieved the full 25% return, you would expect to receive:

    • Original investment: $1,000
    • Profit (25% of $1,000): $250
    • Total after 6-12 months: $1,250

    However, when investing, it is important to carefully review the details of the investment opportunity, including the terms and conditions, the nature of the investment, and potential risks.

    Key Features and Considerations

    The investment segment of PiggyVest is designed to be easily navigable, offering users a simple and direct method to explore and invest in various opportunities.

    • Diversification: PiggyVest offers a variety of investment opportunities, allowing users to diversify their investment portfolio across different sectors and project types.
    • Risk Assessment: Each investment opportunity comes with its risk profile. PiggyVest typically provides information on the risk level to help investors make informed decisions.
    • Returns: The expected returns on investments vary based on the type and risk level of the investment. Higher-risk investments often offer higher potential returns.
    • Investment Terms: Each investment has specific terms, including the duration, minimum investment amount, and liquidity options. It’s important to understand these before investing.

    As with any investment, there is always a risk of loss. Thus, it is important to do your research and consider your financial situation and risk tolerance before investing.

    FAQs

    What is the minimum investment in PiggyVest?

    Minimum of ₦3,000

    A minimum of ₦3,000 should be transferred from your bank to fund your account. Select an investment plan with an interest rate that ranges from 30 days to a year. Your money is invested in securities like bonds and T-bills by Piggyvest. Get compound interest every day based on the plan you select.

    What is the return on PiggyVest investment?

    When a financial opportunity indicates a potential “up to a 25% return within a 6 to 12-month timeframe,” it suggests that the investment anticipates yielding a maximum profit of 25% over six to twelve months.

    How much interest does PiggyVest Pay per month?

    We calculate prorated interest using an annual rate of 6% for the specified period, which can vary from 10 to 30 days. Prorate interest for periods ranging from 31 to 60 days, applying an annual interest rate of 7%. For durations from 61 to 90 days, calculate prorated interest at an annual rate of 9% per day.

    What are the benefits of saving on PiggyVest?

    You can earn between 8% and 12.5% yearly interest on your cash without worrying about safety or security with features like Piggybank, Safelock, and Target Savings. For customers who wish to use dollar savings to protect their funds against inflation, there is also Flex Dollar.

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  • How to Contact FCMB Bank Customer Care

    How to Contact FCMB Bank Customer Care

    FCMB Bank is a financial institution that provides a wide range of banking services to its customers. If you have any questions or concerns regarding your FCMB account, you can easily get in touch with their customer care team. There are several ways to contact FCMB Bank customer care, including via phone, email, social media, and in person at a branch location. In this guide, we will go through each of these methods in detail to help you choose the best option for your needs.

    How to Contact FCMB Bank Customer Care

    About FCMB Bank

    FCMB Bank is a financial institution that provides a wide range of banking services to its customers. The bank was founded in 1977 and is headquartered in Lagos, Nigeria. FCMB Bank offers services such as savings and current accounts, loans, mortgages, investment products, and credit cards. They have a strong presence in Nigeria and also operate in other countries such as the United Kingdom and China. The bank is committed to providing innovative financial solutions to its customers and has won several awards for its services.

    How to Contact FCMB Bank Customer Care

    FCMB Bank provides various ways to contact its customer care team. You can reach out to them via phone, email, social media, or by visiting a branch location. If you prefer to speak with someone in person, you can visit any of their branch locations near you. I hope this helps!

    Phone Call

    To contact FCMB Bank customer care via phone call, you can dial their customer care hotline at +234 (0) 700 329 0000. This line is available 24/7, so you can reach out to them at any time of the day. When you call, you will be prompted to select the language you prefer to speak in and then provide some basic information about your account. After that, you will be connected to a customer care representative who will assist you with your query or concern.

    Email

    To contact FCMB Bank customer care via email, you can write an email to customerservice@fcmb.com. Make sure to provide your account details and a clear explanation of your query or concern in the email. Once you send the email, a customer care representative will get back to you as soon as possible. It is important to note that email responses may take longer than other methods, so if your query is urgent, it may be best to contact them via phone or social media.

    Social Media

    To contact FCMB Bank customer care via social media, you can send a direct message to their official social media handles on platforms like Twitter, Facebook, or Instagram. You can find their handles by searching for “FCMB Bank Nigeria” on these platforms. Once you send a message, a customer care representative will respond to you as soon as possible and assist you with your query or concern. It is important to note that social media responses may also take some time, so if your query is urgent, it may be best to contact them via phone or visit a branch location near you.

    FCMB Bank Nigeria’s social media handles are:

    You can send a direct message to any of these handles and a customer care representative will respond to you as soon as possible.

    Branch Location

    To contact FCMB Bank customer care using a branch location, you can visit any of their branch locations near you. To find the nearest branch location to you, you can visit the FCMB Bank website and use their branch locator tool. Once you locate the nearest branch, you can visit in person and speak with a customer care representative who will assist you with your query or concern. It is important to note that visiting a branch location may take more time compared to other methods, so if your query is urgent, it may be best to contact them via phone or social media.

    Official Website

    To contact FCMB Bank customer care using the official website https://www.fcmb.com/,  you can visit the FCMB Bank website and click on the “Contact Us” page. On this page, you will find a contact form that you can fill out with your account details and queries or concerns. Once you submit the form, a customer care representative will get back to you as soon as possible. This method may take longer than other methods, so if your query is urgent, it may be best to contact them via phone or social media.

    Frequently Asked Questions

    What services are offered by FCMB Bank?

    FCMB Bank offers a wide range of banking services such as savings and current accounts, loans, mortgages, investment products, and credit cards, among others.

    What are the ways to contact FCMB Bank customer care?

    You can contact FCMB Bank customer care via phone, email, social media, branch location, or the official website.

    Is the FCMB Bank customer care hotline available 24/7?

    Yes, the FCMB Bank customer care hotline is available 24/7.

    How can I find the nearest FCMB Bank branch location?

    You can use the branch locator tool on the FCMB Bank website to find the nearest branch location to you.

    How long does it take to get a response to an email sent to FCMB Bank customer care?

    Email responses may take longer than other methods, so if your query is urgent, it may be best to contact them via phone or social media.

    Is it important to provide my account details when contacting FCMB Bank customer care?

    Yes, it is important to provide your account details when contacting FCMB Bank customer care to enable them to assist you better.

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  • How to Contact Fidelity Bank Customer Service

    How to Contact Fidelity Bank Customer Service

    Fidelity Bank is committed to providing its customers with top-notch customer service. If you need assistance with any of your banking needs, there are several ways you can contact Fidelity Bank’s customer service team. Whether you prefer to speak with someone over the phone, via email, or in person, Fidelity Bank has options available to help you get the support you need. Keep reading to learn more about how to contact Fidelity Bank’s customer service team.

    How to Contact Fidelity Bank Customer Service

    How to Contact Fidelity Bank Customer Service

    If you need assistance with any of your banking needs, Fidelity Bank offers several ways to contact their customer service team. Whatever your preferred method of communication is, Fidelity Bank is committed to providing top-notch customer service to their clients. Keep on reading if you more information on fidelity customer service. Listed below are the different Contact Fidelity Bank Customer Service:

    Live Customer Support

    Customer Care Live is a service provided by Fidelity Bank in case you require prompt assistance. It enables you to communicate with a support specialist via chat, phone, video, and computer audio. To initiate a conversation, just click the “Let’s talk!” bubble located in the lower right corner of their website. Monday through Friday from 7:30 a.m. to 8:00 p.m. CT and on Saturdays from 9:00 a.m. to 5:00 p.m. CT is when Customer Care Live is accessible.

    Live Chat

    Fidelity Bank offers its customers who would rather type or text a convenient live chat option. You can obtain prompt assistance with your questions by starting a secure online chat session with a representative. Additionally, this feature allows for screen sharing, which is very useful when using online banking services or navigating the website. Go to their website’s Customer Care Live page to initiate a live chat.

    Telephone Assistance

    In case you would rather converse with a customer service agent via phone, Fidelity Bank provides a round-the-clock phone assistance service. For assistance with any questions you may have about accounts or banking, give them a call at 800-343-3548. The business has updated its customer support call center with new features and a more efficient set of automated prompts to help you find the information you require as soon as possible. Furthermore, 1-855-547-1385 is the phone number for the Fidelity Bank branch/ATM locator.

    Virtual Assistant

    For simple inquiries and assistance, visit the website of Fidelity Bank to speak with a virtual assistant. The virtual assistant can assist you in locating pertinent information on their website and offers automated answers to frequently asked questions. Even though the virtual assistant is a helpful tool, interacting with a live agent might offer greater support.

     Contact Form

    If you would rather communicate in writing, you can use the contact form found on the Fidelity Bank website. You can submit your queries or grievances to their customer support team directly through the contact form. Go to their website’s Contact Us page to obtain the contact form.

    Social Media

    Facebook, Twitter, and other social media sites are frequented by Fidelity Bank users. Through these channels, they frequently address customer concerns and offer assistance. If you would rather communicate with them via social media, you can either post your query on their official pages or send them a direct message.

    It is important to note that depending on the method of contact, Fidelity Bank’s customer service hours may change. For instance, their phone support is open around the clock, but their live chat and virtual assistant services have set hours. Furthermore, it’s possible that some services won’t always be available.

    To sum up, Fidelity Bank provides several ways for you to get in touch with their customer support representatives, so you always have a choice. Fidelity Bank offers specialized resources to answer your questions and offer support, regardless of whether you require assistance right away, would rather communicate in writing, or would prefer to use online resources.

    Frequently Asked Questions

    What are the different ways to contact Fidelity Bank’s customer service team?

    Fidelity Bank offers several ways to contact its customer service team, including live customer support, live chat, telephone assistance, virtual assistant, contact form, and social media.

    What are the hours of operation for Fidelity Bank’s customer service team?

    The hours of operation may vary depending on the method of contact. While phone support is available around the clock, live chat and virtual assistant services have set hours. It’s best to check with Fidelity Bank’s website for the latest information.

    What type of assistance can I get from Fidelity Bank’s virtual assistant?

    Fidelity Bank’s virtual assistant can assist you in locating pertinent information on their website and offers automated answers to frequently asked questions. However, it’s important to note that interacting with a live agent might offer greater support.

    How can I submit my queries or grievances to Fidelity Bank’s customer support team?

    You can use the contact form found on the Fidelity Bank website to submit your queries or grievances to their customer support team directly.

    Can I get assistance with my banking needs in person?

    Yes, Fidelity Bank also offers in-person assistance. You can visit one of their branches to speak with a representative.

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  • Different Types of Loans Offered by Access Bank

    Different Types of Loans Offered by Access Bank

    Are you an access bank owner who needs loans? Then you are on track because this article is here to guide you on the various types of access bank loans, their features, and requirements. Access Bank provides various loan options that cater to different needs. Understanding the different types of loans offered by Access Bank before applying is important, so you can choose the one that best suits your situation.

    Types of Loans Offered by Access Bank

    Types of Loans Offered by Access Bank

    Access Bank is known for having one of the best bank loan services in the country, which businesses and individuals can easily access. One of the advantages of Access Bank loans is that you do not need to provide collateral to secure a loan. Also, you can apply for a loan from Access Bank by dialing the access loan code (*901*11#) on your phone. With this service, you can receive a loan directly to your bank account within minutes.

    Different Loans offered by Access Bank

    Although online financial lenders are known widely in Nigeria, bank loans are still reliable today. Access Bank offers their customers different types of loans on their platform. You can scroll down to check out these loans.

    Personal Loan

    The Access Bank personal loan is a salary-based loan that is designed to help employees achieve financial independence. Companies can set up this loan to support their staff.

    Features

    • Flexibility to meet individual needs
    • Loan amount up to 75% of net annual salary for those applicants with terminal benefits
    • Loan amount up to 50% of net annual salary for those applicants without terminal benefit
    • Up to 36 months tenure
    • Credit life insurance

    Requirements

    • Completed Application Form
    • Completed Employee Status Inquiry/Employer’s Confirmation Form
    • Evidence of Confirmation
    • Employment ID and a valid means of identification
    • BVN
    • Credit checks
    • Letter of Lien/Set-off

    QuickBucks

    This is a mobile banking app for online loans. It is a loan platform that is aimed at making your borrowing experience better, for retail Loans, Credit Card, Debit Card, Consumer Durable Loans, and Device Financing loan requests.

    How to Sign Up for Quickbucks Loans

    • Download Quickbucks from your app store
    • Fill in your email address and BVN-linked phone number
    • An OTP will be sent to you through SMS for verification
    • After the OTP has been sent, create an app password (to be used to log into the app) and PIN (to be used in transacting)

    Next, you input your details like

    • Location
    • First Name, Last Name, Other Name
    • Date of Birth
    • Occupation – Salaried or Self-employed
    • Place of work
    • Salary Bank Name
    • Bank Account Number
    • Closest Branch
    • BVN
    • Monthly Salary Amount

    Next, you agree/consent to the Terms and Conditions.

    Payday Loan

    Access bank payday loan helps you to attend to those emergencies that arise before your payday. It is an instant loan product money for access bank customers who are salary and non-salary earners. With this type of loan, you can get money at a low-interest rate without any documentation or collateral.

    Features of Access Bank Payday Loan

    • 24/7 service which does not need visits to the bank and application is done easily via *901*11#, *426#, QuickBucks App, Internet Banking, Mobile App
    • No documentation is required
    • No collateral is required
    • Up to 36 months tenure

    How to Get a Payday Loan from Access Bank

    You can get a payday loan from Access Bank by dialing *901*11#, *426*11# or via Internet Banking, WhatsApp Banking, Access Mobile App, and QuickBucks App.

    Salary Advance

    Access bank salary advance loan helps you pay for those emergencies that spring up before your salary is paid. You can use the salary loan to get different loans tailored to your personal needs. You just have to open a salary account, and you will also get a 5% interest rate reduction on loans.

    Features of Salary Advance Loans

    Here are the features of this loan.

    • 24/7 service that does not require visits to the bank and application is done conveniently via QuickBucks App or USSD code *901*11*1#
    • No documentation is required
    • No collateral is required
    • Six (6) months tenor

    Home Loan

    The purpose of an Access Bank house loan is to provide funding for the purchase of both completed and under construction homes.

    Features of Access Bank Home Loan

    Here are the features of this loan.

    • Available to salary earners and business entrepreneurs
    • It is available for properties in Lagos, Abuja, and Port Harcourt
    • Minimum of 20% equity contribution
    • It is 20 years tenor subject to the borrower’s age
    • Asset protection & Credit life insurance
    • No provision for interest

    Access Bank Home Loan Requirements

    The requirements for this loan are listed below.

    • Completed Mortgage Application Form
    • Employee Status Inquiry/Employer’s Confirmation Form
    • Letter of offer from the property seller
    • Title document of the property
    • You must get a valuation report from one of the estate valuers the Bank has approved.
    • Search report
    • Credit checks

    Advance for School Fees

    Advance for School Fees loan offers to finance to salaried customers and business owners to help pay for tuition fees and other related costs for themselves, and their children/ ward. It meets educational needs at all stages, from primary to tertiary levels including professional certifications.

    Features of Advance for School Fees

    Here are the features of this loan:

    • Highly competitive interest rate
    • Loan amount up to NGN 20 million
    • Up to 12 months tenor
    • Flexible repayment structure
    • Refinancing available

    Required Documents for Advance for School Fees

    These are the needed documents for this loan.

    Salaried Customers

    • Duly completed and signed application form
    • School fees bill/tuition advice
    • Copy of valid means of identification
    • Recent Salary bank statement
    • It is necessary to have a properly accepted offer letter and term sheet.

    Additional requirements for refinancing

    • Evidence of payment made to the school

    Business Owners

    • Duly completed and signed application form
    • School fees bill/tuition advice
    • Copy of valid means of identification
    • One (1) year Bank statement of corporate account
    • Copies of Business/company registration documents
    • Duly accepted offer letter
    • Duly executed guarantor form (individual or corporate) and notarised statement of net worth (individuals only)

    Additional requirements for refinancing

    • Evidence of payment made to the school

    Maternal Health Service Support (MHSS)

    The goal of the Access Bank Maternal Health Service is to support women as they navigate one of life’s wonders. It supports medical operations both locally and internationally.

    Features of Maternal Health Service Support Loan

    Here are the features of this loan:

    • No Loan Fees
    • Highly subsidized interest rate
    • Flexible repayment plan
    • Up to 10 million Naira for health procedures
    • Access to our network of partner fertility clinics and other health service in Nigeria

    Requirements for Maternal Health Service Support Loan

    Below is a list of the requirements.

    • Completed MHSS loan application form
    • Domiciliation of Salaries/ Business Proceeds
    • Executed Employee Status Inquiry/Employer’s Confirmation form
    • Provision of confirmation letter/ last promotion letter.
    • A copy of Employment ID and means of identification
    • Additionally needed are hospital referral letters and medical bills.
    • BVN
    • Credit checks
    • Provision of credible guarantor (for business owners only)

    Conclusion

    The above list includes the main loan categories that Access Bank presently offers, along with the requirements for each. However, you should know that the requirements and interest rates differ depending on the specific loan, but the loans have attractive terms and the security of borrowing from one of the leading banks in Nigeria.

    More Related Contents:

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  • Commonwealth Youth Gender & Equality Network (CYGEN) Call for Members

    Commonwealth Youth Gender & Equality Network (CYGEN) Call for Members

    Hi there! I see that you are interested in the Commonwealth Youth Gender & Equality Network (CYGEN) Call for Members. This is an excellent opportunity for young people who are passionate about gender and equality issues to join a dynamic network of like-minded individuals. The CYGEN is committed to promoting gender equality and empowering young people to be agents of change in their communities. If you are interested in joining this network, be sure to mark March 15, 2024, on your calendar as the application deadline.

    Commonwealth Youth Gender & Equality Network (CYGEN) Call for Members

    Commonwealth Youth Gender & Equality Network (CYGEN) Call for Members

    To address gender equality concerns in local, national, regional, and Commonwealth agendas, CYGEN is now hiring a new batch of Commonwealth Youth Activists. Being the first gender-based youth organization in the Commonwealth, CYGEN works to elevate youth voices and promote deeper and more meaningful youth involvement in governance, processes, and structures.

    Benefits of Commonwealth Youth Gender & Equality Network (CYGEN)

    As a network participant, you will have the chance to:

    • Represent CYGEN at forums on gender equality at the national, regional, Commonwealth, and international levels.
    • Join a select online community of young activists addressing gender equality problems.
    • Participate in mentorship programs, workshops, and seminars designed especially for CYGEN members.
    • Engage in studies examining juvenile concerns from the standpoint of gender parity.
    • Give technical guidance on how to include the opinions of young people in the creation of programs.

    Eligibility Criteria for Commonwealth Youth Gender & Equality Network (CYGEN)

    However, each candidate must completely meet the standards listed below:

    • Possess citizenship in a Commonwealth nation.
    • Be between 18 and 29 years old on December 31, 2024.
    • Possess a track record of work on gender issues (academic or professional) that can be verified.
    • Possess a sincere dedication to addressing gender disparity;
    • Strongly identify with the CYGEN and Commonwealth values as outlined in the Gender Agenda.

    Application

    The deadline for membership applications is at 11:59 pm (GMT) on Friday, 15 March 2024.

    Click here to apply

    For more information, visit CYGEN.

    Application Deadline: March 15, 2024

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