Salary Advance

If you need an advance, salary Advance can come through before your salary is paid.

Get access to a bouquet of loans to suit your personal needs when you open a salary account today. You also get a 5.5% interest rate reduction on loans.


  • 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.
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The convenient, secure way to carry out your banking operations anytime.


Frequentlly Asked Questions

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#
  • QuickBucks
    • Download the QuickBucks app, available on the Google Playstore or iOS App Store
    • Or click here to visit the QuickBucks website
Yes, your account needs to be in Access Bank and needs to be active for at least six (6) months.
The interest rate for Salary Advance is 5.5% on reducing balance. Other charges includes a 1% management fee, and 0.7% credit life insurance, which are taken upfront.
Six (6) months/180 days.

The maximum amount (i.e. eligible amount) you can get is 200% of your monthly salary, less any active loans at the Bank; subject to ₦1,000,000 disbursement cap. Your eligibility is displayed when you request for the loan.

To qualify for Salary Advance, you must earn a minimum ₦50,000.

Your eligibility will be affected by any of the following:
  • If you have any outstanding loan(s) in Access Bank or other banks.
  • If you apply using a phone number that is not linked to your BVN.
  • If there is no evidence that you received salary payment in the previous month.
  • If you have taken previous digital loan and exceeded your eligible amount.
  • 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 Advance loan.

Once your loan request is successful, your Access Bank account is credited instantly. However, in some rare cases, it may take up to 24 hours to process before disbursement into your account. In such an event, we will notify you of any delays.

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 (3) monthly instalments every 30 days from the day the loan was taken (anniversary date), and the repayment amount will be automatically deducted from your account.

Customers are at liberty to pay off their loan at their convenience. Interested customers should contact Access Bank on +234 700 300 0000 or +234 1 271 2005; send an e-mail to; or visit any Access Bank branch to liquidate their loans.

The loan amount will be deducted from any inflow into the customer’s account. Where the loan us past due, deduction will be made 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 Pricing
PayDay Loan (PDLP) Salary account holders with Access Bank
Up to 75% of monthly salary Against next salary payment or 30 days (whichever comes first)

- Interest 10%
- Management fee 1% Credit Life -  Insurance 0.3%

Other bank customers whose salaries are processed via 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). Your repayment will be deducted from your next salary and taken from your other bank account

- Interest 11%
-  Management fee 1% Credit Life
-  Insurance 0.3%
Small Ticket Personal Loan (STPL) Salary account holders with Access Bank who earn a minimum of N100,000 Up to 400% of monthly salary 365 days with repayment over twelve (12) monthly instalments - Interest Rate: 5% (on reducing balance)
-  Management Fee: 1% Credit Life
- Insurance: 1%
Device Finance (DFPS) Salary account holders with Access Bank & other bank customers Up to 33% of annual salary, but subject to a max. of ₦500,000 365 days with repayment over twelve (12) monthly instalments

- Interest Rate: 30% (flat)
- Credit Life
- Insurance: 1%

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