Payday Loan Code 2024 [Complete List & How to Use Them]

  • November 19, 2023

Payday Loan Code: Ever been caught in a tight spot financially and thought, “How can I quickly get a loan without the hassles of bank paperwork?” You’re not alone.

In Nigeria, payday loans have become the go-to for those unexpected bills. And with the introduction of USSD codes, getting that urgent loan is just a few dials away.

But do you know the right Payday loan code to punch in? Let’s unravel this together.

What is a Payday Loan?

A Payday loan is a short-term financial boost, lending you a bit of your next salary ahead of time.

While convenient, they come with higher interest rates, meant to be settled by your upcoming payday.

However, they can be a lifesaver in terms of emergencies. As we all know in Nigeria, the need for urgent cash may come up at any time, especially if you are a salary earner.

Related: List of All USSD Codes for Loans in Nigeria

Understanding USSD Code for Payday Loan

Payday Loan Code

Firstly, what really is a USSD code? Think of it as a bridge that connects you to your bank through your mobile phone.

Just like sending an SMS, you send a command to your bank, and voila! You get a response. And the best part? No internet required.

The USSD code for Payday loan is like a secret password. It’s designed specifically for the speedy and easy process of getting payday loans.

Therefore, with just a simple code, you can access a portion of your next salary without visiting the bank.

So, in a nutshell, understanding and using the Payday loan code is about embracing simplicity and efficiency.

It’s tailored for those urgent moments when you need financial relief ASAP.

Read Also: Opay Loan Code to Borrow Money

Comprehensive List of Payday Loans USSD Codes in Nigeria

Knowing the right Payday loans code is the first step to securing that loan. Below is a list of banks and their magic numbers:

Payday Loan ProviderLoan Code
Keystone Bank*533#
Diamond Access*901*11#
Eco Bank*326#
First Bank – FirstAdvance*894#
Zenith Bank*966#
Unity Bank*7799#
Skye Bank*833#
Accion Microfinance Bank*572*6#
Sterling Bank*822#
Wema Bank*945#
Union Bank*826#
Fidelity Bank*770#
AB Microfinance Bank*389*755#
Heritage Bank*322#
Ecobank Xpress*326#

Benefits of Using USSD for Payday Loans

Imagine this scenario: It’s a sunny day in Lagos. Your rent is due, and your landlord isn’t the patient type. The bank is miles away, and there’s traffic.

But guess what? You remember there’s a ussd code for Payday loan.

In a few minutes, after dialing the right Payday ussd loan code, your account gets credited. You pay up, and the day is saved!

That’s just one of the many benefits, here’s more:

  • Convenience: Wherever you are, a loan ussd code Payday is all you need.
  • Speed: Forget long queues or paperwork. Dial the Payday instant loan ussd code, and you’re sorted.
  • Accessibility: Whether you have a smartphone or a feature phone, the Payday loan code works!

Now that you’ve known the list of Payday loan codes in Nigeria and their benefits, you may want to take a step further to get a loan using those codes. Let’s discuss the process.

See Also: PalmPay USSD Loan Code to Borrow Money

Step-by-Step Guide: How to Use USSD Codes to Get a Loan

Here’s a simple guide to using your bank’s USSD code to borrow Payday loan in Nigeria:

  • Dial the Payday loan USSD code of your bank.
  • Follow the prompts to select ‘loan’ or ‘borrow.’
  • Enter the amount you need.
  • Confirm your details
  • Wait for an SMS confirmation.
  • Get the loan disbursed into your account.

See? In five easy steps, by just using the USSD code to get a Payday loan in Nigeria, you’ve got the cash!

Related: UBA Loan Code to Borrow Money

Safety and Security When Using Payday Loan Code

But hold on! Before you start punching in that Bank Payday loan code in Nigeria, let’s talk safety. USSD codes are like your banking PINs. They need to be guarded.

  • Change your default PIN.
  • Don’t share your Payday USSD loan code or PIN.
  • Be alert! Scammers are everywhere.

Check Out: Access Bank Loan Code to Borrow Money

Payday Loan Code – FAQs

How quick is the loan process?

Once you dial the ussd codes for Payday loan and follow the prompts, the process is almost instant.

What are the interest rates?

Rates vary but ensure you check and are comfortable before borrowing.


So, next time you’re in a fix, just remember you’ve got the power in your hands.

With the right USSD code to get a Payday loan in Nigeria, financial relief is just a few dials away.

But always remember to borrow responsibly. After all, it’s your hard-earned salary we’re talking about.