Stanbic IBTC Unsecured Personal Loan Nigeria, Quick Cash Paid into Your Salary Account for Nigerians Earning ₦20,000+

Why choose Stanbic IBTC personal loan

The Stanbic IBTC personal loan is built for everyday Nigerians who need quick, reliable cash without putting up collateral. With funds paid straight into your salary account, you get fast access to money for rent, school fees, repairs or emergency needs.

This unsecured personal loan comes with competitive rates and clear repayment options, making it a practical choice for workers earning from ₦20,000 monthly. The bank also issues monthly statements so you can track repayments and manage your budget better.

Flexible terms and clear eligibility

Loan tenors are flexible to match different cash flows, from short to medium term, so you do not feel squeezed by repayments. Borrowers aged 21 to 60 with at least six months at their employer have good chances, provided they hold a Stanbic IBTC salary account.

Minimum net income is ₦20,000, and both permanent and approved contract staff can apply. A satisfactory credit bureau report helps, and once you repay 15% you may be eligible to re-access part of the facility.

Simple application and fast disbursement

Applying is straightforward: gather ID, payslips and proof of employment then apply in branch or via Stanbic IBTC internet banking. Staff verify documents quickly so approved customers receive funds directly into their salary account.

This setup suits salaried Nigerians who need cash fast with minimal fuss. The direct debit repayment method keeps things automated and helps maintain a healthy credit profile, which matters for future borrowing.

Manage repayments and customer support

Stanbic IBTC provides online banking and mobile access so you can monitor outstanding balance, payment schedule and loan statements from anywhere. Regular statements and secure internet banking reduce surprises and keep you informed.

Customer support is available locally for questions or to report issues, and the bank offers guidance if you need to restructure payments. Combining competitive pricing, convenient disbursement to your salary account and reliable support, this personal loan is a solid option for many Nigerian workers.