Salary Advance

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

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Salary Advance

Access up to 100% of your net monthly salary and repay for 3 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
  • Three (3) months tenor

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# or *426*11# (for former Diamond customers only);
  • 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 100% 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 100% 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 Advance 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 repaid over three (3) monthly instalments every 30 days from the date the loan was taken. The repayment amount will be automatically deducted from your account.
Yes; customers are at liberty to pay off their loan at their convenience. Interested customers should call the Access Bank Contact Center on 07003000000, +234-1-2712005-7 or send an e-mail to to liquidate their loans.
The loan amount will be deducted from any account linked to your BVN.
Customers will face a 1% penal charge per month for defaulting on the loan from 31 days past due.
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 ₦150,000 Up to 200% of monthly salary 180 days with repayment over Six (6) monthly instalments

Click here for terms and conditions.