Borrow for your needs
Get a Personal Loan today! Get instant approval when you apply online, via our banking app or USSD and choose the loan repayment term that best suit your needs.
Benefits of our loans
Secure
Reliable loans with reliable repayment terms
Simple
Select the loan that best suits you, apply and get your loan amount paid straight into your account
Flexible
Choose the repayment terms that suit you best
Affordable
Competitive interest rates
Find the right loan for you
EZ Cash
Some needs can’t wait. Apply for an instant loan from the comfort of your home. Get a personal loan of up to N7.5 million and up to 24 months to repay.
Specialised Mortgage for Pension Contributors
Specialised Mortgage for Pension Contributors allow retirement savings account holders to access up to 25% of their pension balance as equity contribution for a residential mortgage. To be eligible, you must have contributed for a cumulative period of 60 months before application. Couples can also jointly apply for 25% of their pension balance, subject to each of them satisfying the eligibility requirement set out by the National Pension Commission (PENCOM).
Home Loan
Apply for a Stanbic IBTC Home Loan, a flexible home financing solution with monthly, quarterly, biannual, and annual repayment options.
Smart Loan
Manage your cashflow and pay for the unexpected with a Smart Loan. If you have a Money Market Fund account with us, you can apply for loan of up to N20 million in the Banking App
Unsecured Personal School Fees Loan
This is an unsecured personal loan with zero-collateral, targeted at meeting the financial needs of parents and guardians looking to pay the school fees for their children or ward in any tier of the education system in Nigeria.
Vehicle and Asset Finance
Finance a new or used car, solar power solutions for your home, electronics or household appliances with our Vehicle and Asset Finance option.
Secured Term Loans
A term loan can help you cover the unexpected expenses of life. Whether it’s school fees, medical bills or rent, take advantage of our competitive interest rates, fixed monthly repayments and a loan tenor of up to 7 years.
Unsecured Loans
Our unsecured personal loan is a medium- to long-term loan, that gives you access to funds to meet your personal needs.
CBN Healthcare Sector Loan
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We also offer
Personal Current Account
Easy and convenient banking with the Personal Current Account. With access to 24/7 online banking platforms
C.H.E.S.S Account
The flexible C.H.E.S.S account makes every Naira count for you and your child.