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Secured term loans

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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.

Some of the benefits

Affordable

Take advantage of competitive interest rates

Access to funds

Borrow up to 100% of your income

Reliable

Fixed monthly repayments that you can budget for

Flexible loan tenor

Up to 7 years to repay your loan

Affordable

Take advantage of competitive interest rates

Access to funds

Borrow up to 100% of your income

Reliable

Fixed monthly repayments that you can budget for

Flexible loan tenor

Up to 7 years to repay your loan
How to get it
  • You must be 21 or older and not older than 60 by the end of the repayment tenor
  • Earn a minimum net monthly income of N100 000
  • Your salary must be paid into a Stanbic IBTC Bank account
  • You must be a Nigerian citizen with permanent residency
  • Employed by the same employer for the last 6 months
  • Pass all relevant credit checks and loan approvals

     

 

What you get
  • A personal loan that offers the same interest rate and repayments throughout the loan tenor
  • Monthly electronic statements
  • If approved for the loan, funds will be paid directly into your salary account
  • How to get it
  • What you get
  • You must be 21 or older and not older than 60 by the end of the repayment tenor
  • Earn a minimum net monthly income of N100 000
  • Your salary must be paid into a Stanbic IBTC Bank account
  • You must be a Nigerian citizen with permanent residency
  • Employed by the same employer for the last 6 months
  • Pass all relevant credit checks and loan approvals

     

 

  • A personal loan that offers the same interest rate and repayments throughout the loan tenor
  • Monthly electronic statements
  • If approved for the loan, funds will be paid directly into your salary account
We also offer
credit card
Visa Platinum Naira Credit Card

A premium Stanbic IBTC credit card with access to 5-star offerings.

Dispora_Banking_SB_1162756243
Diaspora Banking

This is a specialised offering for Nigerians living abroad. It allows them to send money back home to relatives, manage finances in Nigeria, save to buy a home, invest in local denominated wealth instruments, and execute projects amongst other things.