Stanbic IBTC’s EZCash Loan: Instant No Collateral Cash from ₦20,000 to ₦7.5M with Fast Approval
Stanbic IBTC EZCash loan gives Nigerians instant, no-collateral naira cash (₦20,000–₦7.5M), quick approval via USSD or mobile app and flexible 24-month repayment with transparent fees
Quick access to funds
The EZCash loan from Stanbic IBTC gives Nigerians fast, no-collateral naira cash from ₦20,000 up to ₦7,500,000, with approvals that often come through in minutes. This instant loan in Nigeria is designed for people who need emergency cash, business top-ups or school fees without the hassle of paperwork.
Apply anytime via USSD (*909*44#) or Stanbic IBTC’s mobile app and get a decision quickly. Because the product is mobile-first, you won’t have to visit a branch—perfect for Lagos, Abuja or any town where time matters most.
Costs, fees and repayment
Knowing costs up front is crucial: EZCash loan carries a monthly interest rate of 3.2%, plus a 1% management fee, 0.05% VAT and 0.35% insurance fee on the loan amount. Those charges affect the effective cost, so factor them into your repayment plan before borrowing.
Repayment terms are flexible up to 24 months and the product often allows prepayment without penalty, which is handy if you want to clear debt early. Use the Stanbic IBTC loan calculator on the app or ask customer care to estimate total repayment for your chosen tenor and amount.
How to apply and eligibility
Applying for the EZCash loan is straightforward: dial *909*44# from your phone or use Stanbic IBTC Internet Banking/Mobile App. To be eligible you need an active Stanbic IBTC account for at least six months, be between 18 and 59 years old, and have a satisfactory credit record.
Loan limits depend on salary or monthly inflow and your existing obligations, so salaried workers and verified business owners often get higher limits. Minimal documents and phone-based verification speed up approvals, making it a true instant loan in Nigeria for qualifying customers.
Tips to borrow smart with EZCash
Borrow only what you can comfortably repay and choose a tenor that keeps monthly instalments within your budget. Use EZCash for clear needs—debt consolidation, urgent medical bills or a short-term business bridge—rather than frequent consumption borrowing.
If you’re comparing products, weigh the 3.2% monthly rate and management fees against alternatives and check for promotions on the Stanbic IBTC app; the bank is regulated by the Central Bank of Nigeria, which adds confidence. Ready to apply? Dial the USSD, open the app and complete the quick steps to access instant, no-collateral naira cash from Stanbic IBTC.