Salary Advance

We'll sure come through before salary is paid with our Salary Advance

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Salary Advance

Access up to 200% of your net monthly salary and repay for 6 months with Salary Advance.


  • 24/7 service which does not require visits to the bank and application is done conveniently via QuickBucks App or USSD code *901*11*1#
  • No documentation required
  • No collateral required
  • Six (6) months tenor

Download the Quickbucks app using this QR code:

Access Bank - Quickbucks

Frequently Asked Questions (FAQs)

It is an instant digital loan product which is targeted at salary earners who meet the Bank’s Risk Acceptance Criteria (RAC).
You can request for a Salary Advance Loan through any of the following ways:
  • Dial the USSD code *901*11*1#
  • Download the QuickBucks App, available on Google Playstore or Apple App Store.
Yes, your account needs to be in Access Bank and needs to be active for at least three (3) months.
The maximum amount (i.e. eligible amount) you can get is 200% of your monthly salary, less any active loans at the Bank. Your eligibility is displayed when you request for the loan.
Your eligibility will be affected by any of the following:
  1. If you have any outstanding loan(s) in Access Bank or other banks.
  2. If you apply using a phone number that is not linked to your BVN.
  3. If there is no evidence that you received salary payment in the previous month.
  4. If you have taken previous digital loan and exceeded your eligible amount.
  5. If you have an existing loan and the monthly repayment is higher than your eligible amount.
Where you have existing loans, the equated monthly instalment (EMI)/ monthly repayment(s) will be used in calculating your eligible amount. Your eligibility amount will therefore be 200% of your monthly salary, less any EMI. If the monthly repayment is higher than your eligible amount, you will not be able to take a Salary Loan.
Once your loan request is successful, your Access Bank account is credited immediately.
As many times as you may like, as long as you have not exceeded your eligible amount.
Your Salary Advance loan will be repayment in three monthly instalments every 30 days from the day the loan was taken, and the repayment amount will be automatically deducted from your account.
The interest rate for Salary advance is 1.9%. Other charges are: 1% Management fee, 0.20% Credit life insurance.

Yes; log on to your QuickBucks app/Web. You can also send an e-mail to to liquidate your loans.

The loan amount will be deducted from any account linked to your BVN.
To be eligible for Salary Advance, you must earn a minimum  ₦50,000.
Yes, there are. Please see the table below for other instant digital loan products available.
Loan Type Available to: Loan Amount Repayment Plan
PayDay loan Salary account holders with Access Bank
Up to 75% of monthly salary Against next Salary payment or 30 days (whichever comes first)
Other bank customers whose salaries are processed via IPPIS or Remita Up to 50% of monthly salary, but subject to a max. of ₦500,000 Against next Salary payment or 30 days (whichever comes first).
Deduction will be taken at source from your other bank account
Lending Against Turnover (LATO) Customers who maintain an average balance of ₦20,000 over six months Up to 20% of Average Turnover, subject to a max. of ₦50,000 30 days
Small Ticket Personal Loan (STPL) Salary account holders with Access Bank who earn a minimum of ₦100,000 Up to 400% of monthly salary 360 days with repayment over twelve (12) monthly instalments

Click    here for terms and conditions.

Click   here to read the Key fact statement for this loan.