Fidelity Personal Loan Nigeria Fast Salary-Backed Cash for Salaried Workers via *770*08#

What Fidelity Personal Loan Nigeria delivers

Fidelity Personal Loan Nigeria is a salary-backed loan designed for Fidelity Bank salary-account holders who need fast cash without collateral. The product offers quick approvals, a simple USSD application via *770*08#, and straightforward 12-month terms so you can plan monthly repayments in naira (₦).

This loan is built for working Nigerians — civil servants, private-sector staff and unionised workers in Lagos, Abuja and beyond — who want access to emergency funds, school fees, medical bills or household upgrades. Transparency is central: interest, handling fee and insurance are disclosed up front so you know the full cost before accepting the offer.

Eligibility and how to apply using USSD

To qualify for the Fidelity Personal Loan Nigeria you must have a Fidelity salary account domiciled for at least six months and a satisfactory credit history. The bank usually allows borrowing up to 40% of your annual net salary, capped at ₦5,000,000, subject to verification of payroll and employment status.

Applying is simple: dial the USSD code *770*08# from the phone number linked to your account, follow the prompts and submit required consent for payroll verification. You can also start the process via Fidelity’s internet banking or branch if you prefer face-to-face support, but USSD is often the fastest route for quick salary-backed cash.

Costs, fees and repayment flexibility

Fidelity Personal Loan Nigeria charges a competitive rate, typically around 2% per month (about 24% annually), plus a 1% management fee and 1.5% insurance charge depending on the loan size. All fees are shown in the loan offer so you can compare the effective cost before acceptance.

Repayments are deducted directly from your salary, reducing the risk of missed payments and offering predictable budgeting. Prepayment is allowed without penalty, which is ideal if you get a bonus or switch jobs and want to clear your debt early — a clear advantage for disciplined borrowers.

Why choose this salary-backed cash option

Fidelity Bank’s salary-backed cash is tailored to Nigerians who value speed and convenience: no collateral, fast disbursals and clear terms. For many salaried workers, the combination of USSD access, short documentation requirements and payroll deduction makes it one of the most practical quick-loan options available locally.

Before applying, compare effective interest and total repayment with other digital personal loans Nigeria to ensure you pick the best deal for your needs. If you already receive salary into a Fidelity account, the Fidelity Personal Loan Nigeria remains a top pick for reliable, transparent financing with minimal fuss.