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    Home»Loans»How to Get Access Bank Loan Without Collateral 2023
    Loans

    How to Get Access Bank Loan Without Collateral 2023

    Property9ja AdminBy Property9ja AdminUpdated:May 24, 2025No Comments6 Mins Read
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    If you wished to get Access Bank loan without collateral, then I’m going to share with you how to go about it in this post. It is one thing to be eligible to get a loan from Access bank and another thing to get a loan from the bank without having to use collaterals. However, in this article, I will be talking about how to get an Access bank loan without collateral for those looking to know how it is very done and how to go about it.

    So if you are looking for a way to get a loan from Access bank without having to use any collateral because you don’t have any or don’t just want to risk it, then this article is for you, carefully read it till the end and you will find all the information you need.

    What is Loan Collateral?

    Loan collateral is an object or asset with a sufficient value that a bank or a lender requires in order to grant you a loan; in the event that you are unable to repay the loan, it will be auctioned to recoup the loan balance. A house, car, piece of land, business, and many other things might serve as loan collateral.

    Types of Loans Offered by Access Bank

    Before we talk about how you can actually get a loan from Access bank without collateral, let us first of all look at the different types of loans offered by Acces bank. Below are the most popular types of loans offered by access bank as of today.

    • Access bank personal loan
    • Payday loan
    • Quickbucks
    • Salary Advance
    • Creative Sector Loan
    • Access Device Financing
    • Advance for School Fees
    • Vehicle Finance
    • Home Loan
    • W Power Loan
    • MHSS
    • Cash-Backed Loan
    • Access more mileage
    • Small Ticket Personal Loans

    How to Get a Loan From Access Bank Without Collateral

    You can get a loan from Access bank by using any of the following;

    •  Access bank mobile app.
    •  QuickBucks app.
    •  Payday loans USSD code.
    •  Access bank internet banking.
    •  Access bank WhatsApp banking.

    How to Apply for the Access Bank Loan using USSD

    To use the USSD code method to apply for the Access bank loan, follow the steps below

    • Dail *901*11*1#
    • Follow the on-screen instruction and click on payday loan
    • Select the amount you want
    • It will get credited to your account once processed.

    How to Apply for the Access Bank Loan using the Bank App

    You can apply for the Access Bank loan using the Access more bank app. Both the Access Mobile App and the QuickBucks App can be used to apply for a loan.

    To apply using the app, all you have to do is log in to your account and click on Loan, select payday loan and the amount and it will get credited to your account.

    How to Apply for the Access Bank Loan via Online Banking

    With the online banking method, all you have to do is apply for the loan of your choice by visiting Access bank’s official website or reaching out to Access Bank agents via Whatsapp.

    Step 1. Go to https://ibank.accessbankplc.com/RetailBank/#/

    Step 2. Sign in with username and password

    Step 3. Click on Loans

    Step 4. Click on Check Eligibility to see the amount you are qualified for

    Step 5. Enter the amount you want

    Step 6. Accept the terms and conditions

    Step 7. Get disbursement into your access bank account instantly

    How to Get Access Bank Loan Without Collateral

    To get a loan from Access bank without collateral, all you have to do is use the USSD code method explained above, the QuickBucks loan app, or any of the methods we have mentioned above.

    Access Bank Loan Requirement

    • You must have an Access Bank salary account.
    • The phone number that you connected to your BVN must be used.
    • You must have deposited funds into the salary account on a regular basis ( meaning that a brand-new account will probably not be eligible to get this loan).
    • Make sure you have a solid background in lending
    • You must have a solid history of payback

    Access bank Student Loan

    As a student, you can also get a loan from Access bank to fund your educational needs like school fees, projects, and a lot more. However, this offer is not available to all Access bank customers who are students as you would have to meet some requirements.

    To know more about the Access bank student loan schemes, visit the official page here.

    Access Bank Loan Interest Rate

    The 3% flat interest rate for loans from Access bank is dependent on the state of the market. Because of this, your interest rate might not be 3%. at that time Before applying for a loan, make sure you ask the bank all the relevant questions.

    Access banks, however, charge about 1% insurance fee, 0.5% legal fees, and also 1% monthly on late repayments in case you default to pay your loan. Kindly note that access bank is among those banks that would report your BVN to the Credit Bureau of Nigeria when you default which would prevent you from borrowing another time.

    This is speaking from my experience after taking a loan of N35,000 from Access bank, the bank reported my BVN. I had to go to the bank to get a letter of non-indebtedness and wrote a letter to the branch manager to get that resolved.

    How to Pay Back Access Bank Loan

    You have 30 days from the loan’s disbursement date to pay back your Access Bank payday loan, or you can postpone repayment until your following paycheck.

    No formalities are necessary for repayment. The loan amount will be promptly deducted from your salary bank account.

    Access Bank Business Loan Interest Rate

    The Access bank business loan interest rate is not actually stable because of the market rate. However, at the time of writing this article the Access bank Business Loan interest rate is 15 percent of the borrowed money. which means that if you borrowed N10,000 using the business loan, you would have to pay back N11,500.

    In Conclusion

    You can always get a loan from an access bank without Collateral by using any of the methods we have listed in this article which include;

    • Access bank mobile app.
    •  QuickBucks app.
    •  Payday loans USSD code.
    •  Access bank internet banking.
    •  Access bank WhatsApp banking.

    I hope I have been able to answer the question of How to Get Access Bank Loan Without Collateral, however, if you still have a question, you can use the comment section below.

    Contents Show Subheadings
    1 What is Loan Collateral?
    2 Types of Loans Offered by Access Bank
    3 How to Get a Loan From Access Bank Without Collateral
    4 How to Apply for the Access Bank Loan using USSD
    5 How to Apply for the Access Bank Loan using the Bank App
    6 How to Apply for the Access Bank Loan via Online Banking
    7 How to Get Access Bank Loan Without Collateral
    8 Access Bank Loan Requirement
    9 Access bank Student Loan
    10 Access Bank Loan Interest Rate
    11 How to Pay Back Access Bank Loan
    12 Access Bank Business Loan Interest Rate
    13 In Conclusion
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