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Get cash for your needs
You can get loans to do the things you want to do, when you want to

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


Reliable loans with reliable repayment terms


Select the loan that best suits you, apply and get your loan amount paid straight into your account


Choose the repayment terms that suit you best


Competitive interest rates
Find the right loan for you
Ez Cash

Get more out of your account with us. Meet your needs with our instant loan option and get up to N7.5million*, with option to pay back in up to 48 months*.

Pension Backed Mortgage
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).

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Home loan

Get the house of your dreams with the Stanbic IBTC Home Loan, a flexible home financing solution that is available to business owners and salaried individuals with monthly, quarterly, biannual, and annual repayments options.

Smart Loan

Smart Loan gives you up to N20M, if you have mutual funds investment with Stanbic IBTC Asset Management, a subsidiary of Stanbic IBTC Holdings. The loan can be accessed via the Stanbic IBTC Mobile App with no paperwork required

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Salary Advance

Apply for a Salary Advance and enjoy our revolving loan to help you get through the though times. What is a Revolving Loan? A revolving loan gives you access to funds whenever you need it without having to reapply for credit - you simply need to repay 15% of your loan.

School bag and pencil
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
Vehicle and Asset Finance

We have your dream car covered! Apply for your Vehicle Loan, easy and simple. Our Vehicle and Asset Finance for Retail Clients (salaried and non-salaried customers) enables you to acquire assets such as vehicles (new and pre-owned), diesel and gas-powered generators, and solar-powered inverters for your personal use.

Secured term loans

Get personal short term loan at a fixed monthly repayment amount to suit your lifestyle needs such as medical, house rent, car maintenance, school fee, wedding and pay it off at a time you feel comfortable with. 

Unsecured Loans

Our unsecured personal loan is medium to long term loans and gives you access to funds to meet your personal needs such as household equipment, Educational expenses, car maintenance, house rent at anytime with flexible payment plan.

CBN Healthcare Sector Loan
Pricing Guide in line with CBN guide to Bank charges by Banks and other financial institutions effective 01 January 2023.
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Pricing Guide in line with CBN guide to Bank charges by Banks and other financial institutions effective 01 January 2023.
We also offer
Current account
Personal Current Account

Easy and convenient banking with the Personal Current Account. With access to 24/7 online banking platforms

CHESS account
CHESS Account

The flexible CHESS account makes every Naira count for you and your child.