Nigeria
Smart Loan
Get your Overdraft now for unexpected circumstances or increase your existing limit online by simply applying for a Smart Loan.
1 - 5 years
Tenor
N20 000
Minimum loan amount of
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
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How to get it
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What you get
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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
MaxYield Account
Accelerate your savings with the option of partial withdrawals for emergencies along the way
Internet Banking
We provide a safe and secured environment for you to make transfers, payments and track your account easily with our internet banking anytime and anywhere. Register or log on to our internet banking now.