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Smart loan

Smart loan banner

Cash-on-hand for unforseen circumstances as an overdraft or fixed loan.

Some of the benefits

Good terms

Up to 60 months to repay

Personalised

We customise a variety of facilities to your unique credit needs

Support

24-hour banking support through our customer care channels

Value

With our credit facilities, you can access affordable insurance from our trusted partners.
How to get it

Existing and New to Bank customers with minimum SIAML Fund of N50,000;

  • For Term loans, customer will be required to show proof of source of repayment which will be most recent 3months payslip from their employer or other proof of regular source of income as acceptable to the Bank.
  • Accommodate customers who do not have regular source of income but have bank statements that support cashflow.
  • Customers' invested funds in respective SIAML Funds
  • You have to be a Nigerian citizen with permanent residency.
  • Your salary must be paid into a current account with Stanbic IBTC Bank
  • No minimum net monthly income
  • Must be 21 years or older.
  • You must have a satisfactory credit bureau report.

 

What you get
  • A convenient way to manage cashflow in the event of shortfalls
  • You can access up to 80% of your Investments as a loan whenever you need it  without terminating your investment.
  • Maximum tenor of 48 months for Term Loans
  • Access to our 24 hours business support helpline
  • Full e-banking options, which include internet, mobile and USSD banking

 

What it costs
  • Competitive interest rates 
  • How to get it
  • What you get
  • What it costs

Existing and New to Bank customers with minimum SIAML Fund of N50,000;

  • For Term loans, customer will be required to show proof of source of repayment which will be most recent 3months payslip from their employer or other proof of regular source of income as acceptable to the Bank.
  • Accommodate customers who do not have regular source of income but have bank statements that support cashflow.
  • Customers' invested funds in respective SIAML Funds
  • You have to be a Nigerian citizen with permanent residency.
  • Your salary must be paid into a current account with Stanbic IBTC Bank
  • No minimum net monthly income
  • Must be 21 years or older.
  • You must have a satisfactory credit bureau report.

 

  • A convenient way to manage cashflow in the event of shortfalls
  • You can access up to 80% of your Investments as a loan whenever you need it  without terminating your investment.
  • Maximum tenor of 48 months for Term Loans
  • Access to our 24 hours business support helpline
  • Full e-banking options, which include internet, mobile and USSD banking

 

  • Competitive interest rates 
We also offer
Max_Yield_SB_1163569575
MaxYield Account

Accelerate your savings with the option of partial withdrawals for emergencies along the way

Mobile App_SB_1152373208
Internet Banking

Get access real-time balances and statements, make payments, buy airtime top-up, redeem western union and manage your money without going into a branch