Standard Chartered Personal Loan Nigeria Low-Interest Unsecured Loan up to ₦35M with Instant Approval and No Collateral

Features and benefits of the Standard Chartered personal loan

The Standard Chartered personal loan in Nigeria is a salary-backed unsecured loan that gives access to amounts up to ₦35,000,000. With competitive monthly rates from around 1.84% and flexible tenors up to 60 months, this loan is built for professionals who need reliable funding without pledging assets.

This unsecured loan Nigeria product removes the headache of collateral and supports quick access to cash for home projects, medical bills or business bridging. Instant personal loan approval is possible when your documents are in order and your salary is domiciled with the bank.

Eligibility and required documents

To qualify you must be between 21 and 60 years old, employed by a reviewed company and earn a minimum salary of ₦120,000 per month. Your salary must be domiciled to Standard Chartered Nigeria and you should be ready to provide an employer’s letter of awareness.

Prepare three months’ payslips, three months’ bank statements and a completed application form to speed up processing. Meeting these Nigeria loan eligibility points increases the chance of instant approval and a smooth disbursement.

How to apply for the personal loan

Applying is straightforward: visit a Standard Chartered branch, apply through the bank’s Nigerian website, or speak with your HR to start the salary domiciliation process. Make sure your employer is on the bank’s approved list to avoid delays.

Submit the required documents and ask for an estimate of monthly repayments; use the bank’s loan calculator to see how low-interest rates translate to affordable instalments. The combination of unsecured loan Nigeria and instant personal loan approval makes this a practical option for salaried workers.

Repayment, top-up options and other perks

Repay over up to 60 months with flexible debit arrangements tied to your salary account. There are no preliquidation charges, so if you get a payrise or lump-sum, you can clear the debt early and save on interest.

After six months of good repayment behaviour you can apply for a loan top-up, which is handy when plans change. The take-over facility also lets you consolidate existing debts from other banks into this lower-rate personal loan Nigeria product.