FCMB FastCash Gives N200,000 Instantly on Mobile No Collateral in Nigeria
FCMB FastCash lets you access up to N200,000 on your mobile in minutes with instant approval, no collateral and an easy USSD application via *329*11#
Instant access to N200,000 on your mobile
FCMB FastCash delivers quick cash when you need it most, allowing qualified customers to borrow up to N200,000 directly into their FCMB account. The service is built for Nigerians who need immediate funds for emergencies, bills or quick business capital.
With instant approval in many cases, FCMB FastCash positions itself as one of the leading quick loan options in Nigeria. Leveraging mobile banking and USSD access, it removes long waits and bank visits from the borrowing process.
No collateral, no paperwork — straightforward eligibility
One key advantage of FCMB FastCash is that you don’t need collateral to qualify, making credit accessible to a wider range of Nigerians. The straightforward criteria suit salaried workers, small business owners and active account holders who need short-term liquidity.
Non-customers can also apply but should note the requirement to maintain an FCMB account for a set period before repeated access. This setup helps the bank verify behaviour while still giving first-time users a chance to get emergency funds.
How to apply: USSD *329*11# or FCMB mobile app
Applying for FCMB FastCash is simple. Dial the USSD code *329*11# from your registered number or use the FCMB mobile app to request an instant loan—no paperwork, no branch queues. The USSD option works on basic phones, which is perfect for many Nigerians across cities and towns.
Approval often arrives within minutes and funds reflect in your FCMB account quickly. Use the app to track repayments, view offers, and manage loan cycles, so you stay in control of your credit history and borrowing capacity.
Tenor, repayment and smart borrowing tips
New borrowers typically get a 30-day tenor, while repeat customers may qualify for longer clean-up cycles up to 90 days, providing useful flexibility. Repayment terms are clear up front, and punctual repayment can increase your future borrowing limit with FCMB FastCash.
To stay financially healthy, borrow only what you can repay on time and prioritise essential needs. Treat FCMB FastCash as a short-term bridge for emergencies or working capital rather than a long-term solution; this helps preserve your credit profile and avoids rollover fees.