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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
Three months pay slip from employer or other proof of regular source of income
Bank statements that support cashflow
Your salary must be paid into a current account with Stanbic IBTC Bank
Satisfactory credit bureau report
Frequently Asked Questions (FAQs)
I already have a Stanbic IBTC Bank account, do I have to open a new one? If the account you have is not a current account or a salary account, you will be required to open a salary account to monitor your cash flow
My account is a current account but not a salary account, can I still apply? Yes, you can apply. However, the redemption account on your Mutual funds must be a Stanbic IBTC Bank account.
I have investments with Stanbic IBTC Asset Management but I do not have an account with Stanbic IBTC Bank, can I still apply? Yes, but you will be required to open an account. An account can be opened through the Stanbic IBTC Mobile App, the account opening link and at any Stanbic IBTC Bank branch.
What is the maximum loan amount I can access? You can access as low as N20,000 and as high as N20 million
What forms of collateral are required? There are no collaterals required, Smart loan is an unsecured loan.
What is the tenor of the loan? 48 months (4 years).
Are non-residents of Nigeria who have mutual funds accounts and bank accounts eligible? No, this loan is only available to customers who are resident in Nigeria.
How can I apply? The loan is available on the Mobile App and can be requested directly from the app, you can also visit any Stanbic IBTC Bank branch to apply
What you get
How to get it
What it costs
Frequently Asked Questions (FAQs)
A convenient way to manage cashflow in the event of shortfalls
You can access up to 80% of your Investments with Stanbic IBTC Asset Management 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
Three months pay slip from employer or other proof of regular source of income
Bank statements that support cashflow
Your salary must be paid into a current account with Stanbic IBTC Bank
Satisfactory credit bureau report
I already have a Stanbic IBTC Bank account, do I have to open a new one? If the account you have is not a current account or a salary account, you will be required to open a salary account to monitor your cash flow
My account is a current account but not a salary account, can I still apply? Yes, you can apply. However, the redemption account on your Mutual funds must be a Stanbic IBTC Bank account.
I have investments with Stanbic IBTC Asset Management but I do not have an account with Stanbic IBTC Bank, can I still apply? Yes, but you will be required to open an account. An account can be opened through the Stanbic IBTC Mobile App, the account opening link and at any Stanbic IBTC Bank branch.
What is the maximum loan amount I can access? You can access as low as N20,000 and as high as N20 million
What forms of collateral are required? There are no collaterals required, Smart loan is an unsecured loan.
What is the tenor of the loan? 48 months (4 years).
Are non-residents of Nigeria who have mutual funds accounts and bank accounts eligible? No, this loan is only available to customers who are resident in Nigeria.
How can I apply? The loan is available on the Mobile App and can be requested directly from the app, you can also visit any Stanbic IBTC Bank branch to apply
We also offer
MaxYield Account
Accelerate your savings with the option of partial withdrawals for emergencies along the way
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.
