Zenith Bank Loan Code: How to Borrow Money from Zenith Bank

  • November 19, 2023

Zenith Bank LOAN CODE: This post contains every single detail on how to borrow money from Zenith Bank.

Are you a Zenith Bank account holder in need of an instant loan using your phone? The Zenith loan service got you covered.

Zenith Bank offers one of the best bank loan services in Nigeria, both for businesses and individuals. In fact, unlike traditional bank loans, you don’t need any collateral to access some of Zenith Bank’s loans.

That’s not all, but with just your phone, you can dial the Zenith loan code and get your loan disbursed into your account within a few minutes.

Whether you’re looking for the code to borrow money from Zenith Bank, how to get loan from Zenith using your phone, or how to apply for Zenith Bank loan at a bank branch, we’ve got you covered.

In this post, you’ll discover how to be eligible for the loan, how to apply, its interest rate, and also how to repay Zenith loan.

Without further ado, let’s get started!

About Zenith Bank Loan

Zenith Bank is a leading financial institution in Nigeria, with a wide range of products and services to meet the needs of its customers.

One of the most in-demand services from Zenith Bank is its loan facility, which is designed to provide financial assistance to individuals and businesses alike.

Just like some loan apps in Nigeria like Fairmoney, using the Zenith Bank loan code to apply for loans from Zenith doesn’t require collateral or a guarantor.

Both the loan request and the disbursal process are fast. Within just a few minutes of applying for a loan from Zenith Bank, the money will be disbursed into your account if approved.

Keep in mind that Zenith Bank offers different types of loans. Therefore, not all Zenith Bank loans can be accessed through Zenith Bank quick loan code.

Check Out: List of the Best Instant Loan Apps in Nigeria

What is the Zenith Bank Loan Code

The Zenith Bank loan code is *966#. To apply for a loan, simply dial *966# and select the “Loan” option. Follow the prompts to enter your personal details, loan amount, and preferred loan tenor. Alternatively, you can dial *966*11# for a quick loan from Zenith Bank.

After using the code for Zenith Bank loan provided above, your loan application will be looked into, and if approved the loan will be disbursed into your Zenith account.

Related: List of All Zenith Bank Code

Types of Loan Offered By Zenith Bank

Zenith Bank loan

Zenith Bank offers various types of loans to meet the financial needs of its customers. Let’s take a closer look at each one.

Just like the Access Bank Loan service, Zenith Bank offers two types of loans. These include personal loans and business loans.

First, let’s see the products under Zenith personal loans.

Salary Advance

Need help addressing short-term financial needs? Zenith Bank’s salary advance loan can provide you with up to 60% of your net monthly salary. You can get this loan using the Zenith Bank loans code.

Personal/Consumer Loans

For those looking to finance personal needs, Zenith Bank’s personal/consumer loan scheme allows you to borrow money at a reasonable rate.

Education Loan

For parents and guardians seeking short-term funding to pay for their children/wards’ tuition fees, Zenith Bank’s education loan is the solution.

With a minimum facility amount of N100,000 Naira and a maximum facility amount of N5,000,000 Naira, this loan has a maximum tenor of 3 months for Junior School Students and 9 months for Tertiary Institution students. The education loan (school fees) will be paid directly to the child/ward’s school.

Asset Acquisition/Car Loans

If you’re looking to finance the purchase of vehicles or household assets, Zenith Bank’s asset acquisition/car loan is designed for you. Borrow the money you need and pay it back on terms that work for you.

Zenith Bank Business loans include:

  • MSME loans
  • Overdraft
  • Creative Industry financing initiative
  • LPO finance
  • Z-woman business package
  • Export finance facility
  • Import finance facility
  • Project Finance
  • Syndicated loans
  • Lease
  • Receivable discounting/invoice discounting
  • Bonds and Guarantees
  • Term loan.

Related: Top 15 SME Loans without Collateral in Nigeria

How to Be Eligible for Zenith Bank Loan

Before you can use the Zenith Bank loan code to apply for a loan from Zenith, you must meet certain eligibility criteria. These include.

  • You must be at least 18 years old
  • You must have an active account with Zenith Bank
  • Have a source of income (minimum of N10,000 monthly)
  • Have a good credit history

Once all these requirements are met, you can now apply for Zenith Bank loan on your phone.

Applying for a loan from Zenith Bank is easy and straightforward. You can apply via USSD code, Zenith Bank Mobile App, Zenith Bank Website, or Zenith Bank Branches.

From the USSD code to get loan from Zenith Bank, let’s see how to apply for Zenith instant loan.

Read Also: Top 10 Bank Loans without Collateral in Nigeria

How to Borrow Money from Zenith Bank Using App

Aside from using the Zenith Bank phone loan code to borrow money from Zenith Bank, you can also use the Zenith app to get a loan.

To use the app for Zenith Bank instant loan, follow the steps below.

  • Log in on the Zenith Bank app
  • Click on the “More” option at the bottom of the home screen
  • On the next page, click on “Product & Services”
  • Now, Click on “Request Loan”
  • Select your preferred loan type
  • Enter the amount you want to borrow
  • Select your preferred tenor
  • Submit your loan application
  • Once approved, it will be disbursed into your Zenith Bank account.

That’s simple how to get loan from Zenith Bank using the mobile app. You can also apply for a Zenith Bank loan by visiting the bank branch. Let’s see how.

How to Borrow Money from Zenith Bank Branch

Apart from using the Zenith loan code and Zenith Bank loan app, you can also get quick loans from Zenith by visiting the bank branch. Here’s how to do that:

  • Visit your nearest Zenith Bank branch with a valid form of identity and address verification.
  • Ask the customer agent about their loan service, and get a loan application form.
  • Fill out and submit a completed loan application form with supporting documents.
  • Execute an offer letter detailing the loan terms and requirements, following loan approval.
  • The loan will be disbursed into a salary account domiciled with the Bank.

Note: Do not forget to get a copy of the loan agreement from the bank’s customer service officer before leaving the bank premises.

See Also: How to Borrow Money from UBA Bank

Zenith Bank Loan Interest Rate

Since Zenith Bank offers different loan types, the interest rates for its loans vary. You can visit the Zenith Bank website to find out about your preferred loan type current interest rate.

Keep in mind that these rates shall be subject to review from time to time in line with the prevailing money market condition.

After securing a loan with the Zenith Bank loan code, you must start preparing for repayment. Therefore, let’s see how to repay Zenith loan.

How to Repay Zenith Bank Loan

To repay your Zenith Bank instant loan, all you need to do is have enough money in your account to repay on the due date, then Zenith Bank will automatically deduct the loan amount from your account.

After that, you’ll get a notification (SMS and/or Email) confirming your loan repayment.

Once your loan is cleared, you can use the USSD code to borrow money from Zenith Bank to access another loan.

Have more questions about the Zenith Bank quick loan code? Find your answers below.

Read Also: GTB Loan Code to Borrow Money

Zenith Bank Easy Loan 2023 – FAQs

How much can Zenith Bank borrow me?

The amount you can borrow from Zenith Bank depends on the type of loan you are applying for and your eligibility. However, the Zenith Bank personal loan amount ranges from N5,000 and above.

Does Zenith Bank have a loan app?

Yes, you can use the Zenith mobile app to access loans.

Does Zenith Bank have payday loan?

Yes, Zenith Bank has a payday loan, also known as a Personal loan or salary advance. You can access this loan by simply dialing *966*11#.

Can a student get loan from Zenith Bank?

Yes, students can get loans from Zenith Bank. However, they must meet the bank’s eligibility criteria and provide the necessary documents to support their loan application.

How can I borrow 20000 from Zenith Bank?

You can borrow 20,000 from Zenith Bank by using the Zenith Bank Eazy loan USSD code: *966*11#.

How do I check my Zenith loan eligibility?

You can check your Zenith loan eligibility by simply dialing *966*11#.

Check Out: Top Loan Apps for iPhone in Nigeria

What is the code to borrow loan from Zenith?

The code to borrow a loan from Zenith Bank is *966*11#. Simply dial the code and follow the prompts to apply for a loan.

How can I get Zenith Bank loan without collateral?

You can get a Zenith Bank loan without collateral by applying for their Click Credit loan or salary advance. These loans are designed to meet short-term financing needs and do not require collateral.

What is the code to check my Zenith Bank loan balance?

To check your Zenith Bank loan balance, dial *966*11# and follow the prompts.

How do I get Zenith Bank phone loan?

To get a Zenith Bank phone loan, you can download their loan app called QuickBucks from the Google Play Store or Apple App Store. You can also dial the Access loan code and follow the prompts to apply for a loan.


Zenith Bank provides a wide range of loan options to meet the diverse financing needs of its customers. From personal loans to business loans, salary advances, and Click Credit loans, Zenith Bank has different loan products to cater to different financial requirements.

With its Zenith Bank app for loan customers can conveniently apply for a loan from the comfort of their homes. Customers can also use the Zenith Bank USSD code for loan to borrow money using their phone.

The bank’s loan products also come with competitive interest rates, flexible repayment terms, and no collateral requirements for some loans. However, before applying for a loan, it is important to read and understand the terms and conditions of the loan and ensure that you can comfortably repay the loan on time.

With this post providing you with full insight into how to borrow money from Zenith Bank, how to get loan from Zenith, and how to use the Zenith Bank loan code, also known as loan code for Zenith, we believe you can now easily access loans that fit your purpose.