Fidelity POT Loan Nigeria: Access Instant ₦10,000 in 14 Days via Fidelity Bank USSD

How Fidelity POT Loan Works in Nigeria

The Fidelity POT Loan is a short-term credit facility from Fidelity Bank that lets eligible customers access up to ₦10,000 instantly. Designed for quick emergencies, this micro loan bridges gaps when your account balance is low but you need to complete a transaction.

Funds are approved and disbursed fast, usually within minutes after you request via the bank’s USSD channel. This makes Fidelity POT Loan a practical choice for Lagos, Abuja and other cities where life moves fast and cash needs pop up unexpectedly.

Eligibility and Fees

To qualify you must have a Fidelity Bank account with at least ₦500 balance and no existing POT Loan outstanding. The bank also checks account activity and salary flow for digital eligibility, so salaried workers on payroll providers like Remita or Veripay can usually apply after opening an account.

Fees and interest are competitive for short-term credit but do check the exact charge during request, since effective cost varies by customer profile. The clear 14-day repayment term and upfront fee disclosure help you avoid surprises.

How to Apply via Fidelity Bank USSD

Applying is simple: dial the Fidelity Bank USSD code *770*08# from your registered phone number. Follow the prompts to request the POT Loan amount you need — typically up to ₦10,000 — and confirm the terms shown on screen before accepting.

If you prefer, you can also start the process through the Fidelity mobile app or an online application, but USSD is the fastest for on-the-go Nigerians using basic phones. Keep your account details handy to speed up approval.

Repayment, Limits and Practical Tips

The POT Loan carries a 14-day repayment window, so plan to top up your account before the due date to avoid penalties. Fidelity allows only one active POT Loan at a time, so timely repayment preserves your access to future instant credit.

Use the loan for real short-term needs — ATM withdrawals, PoS purchases or emergency bills — and avoid using it for long-term expenses. Regular, on-time repayment boosts your credibility with Fidelity Bank and may unlock larger digital personal credit options down the line.

Fidelity POT Loan Nigeria offers a reliable bridge when naira is tight and timing matters. With clear terms, quick disbursement via Fidelity Bank USSD and straightforward eligibility, it’s one of the easiest micro credit options available to customers in Nigeria today.