Fidelity Bank Loan USSD Code – Get Quick Loan From Fidelity Bank

What is Fidelity Bank Loan USSD Code and how to get loan from Fidelity bank? Fidelity Bank offers instant payday loans to individuals/customers that are designed to meet their needs.

Their loans range from Fidelity Payday Loan, Fidelity Migo Loan, Fidelity Bank Personal Loan, Fidelity Car Loan, Fidelity Veripay Loan, Fidelity 401k Loan, Fidelity Bank Business Loan, Fidelity Bank Student Loan, etc.

But if you are not satisfied with a Fidelity bank loan, check out these 20 loan Apps that offer fast and instant loans without collateral.

How Fidelity Bank Loan Works?

When you need some extra money from the bank and then for example for an emergency, school fees, or a car purchase.

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Fidelity Bank has you covered, you can talk to them today about Fidelity FastLoans or call the Fidelity Bank Loan USSD Code *770*08# to access their digital fast loans.

Understanding Fidelity Bank Loans

Fidelity Bank provides various loan products designed to cater to different financial needs. Whether you’re an individual seeking a personal loan or a small business owner looking for SME loans and advances, Fidelity Bank has you covered. Let’s explore the key aspects of how Fidelity Bank loans work.

1. Personal Loans

Fidelity Bank offers personal loans, such as the Payday Loan and the Fidelity Loan On Account Turnover (FLOAT). Here’s a breakdown of how these loans work:

Payday Loan

  • Documentation: No extensive paperwork is required.
  • Eligibility: Your salary account must be with Fidelity Bank and active for at least three months.
  • Credit Requirement: A good credit balance is necessary.
  • Application: The process is quick and straightforward, providing immediate financial assistance for your urgent needs.

Fidelity Loan On Account Turnover (FLOAT)

  • Instant Access: FLOAT is an instant loan product for active account holders with an existing relationship with Fidelity Bank.
  • Account Turnover: The loan amount is determined based on your account turnover.
  • Swift Processing: As an existing customer, you can expect a seamless and fast loan processing experience.
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2. Terms and Conditions

Understanding the terms and conditions of any loan is crucial. Fidelity Bank provides clear guidelines for its personal loans:

  • Tenor: Personal loans typically have a tenor of 12 months.
  • Purpose: Loans are granted for personal use, offering flexibility in utilization.
  • Interest Rate: Fidelity Bank charges a competitive interest rate, ensuring fair and transparent financial dealings.
  • Fees: Management fees and credit life insurance are applicable, but Fidelity Bank provides detailed information to help borrowers make informed decisions.

3. SME Loans and Advances

If you’re a small business owner, Fidelity Bank’s SME loans and advances might be the perfect solution. Let’s explore the Fidelity EduLoan as an example:

Fidelity EduLoan

  • Requirements: For educational institutions in operation for a minimum of three years.
  • Tailored Solutions: Fidelity Bank understands the unique needs of educational institutions, offering customized financial support.
  • Proven Track Record: The minimum operational period requirement ensures a stable financial history for the school.

How to Qualify for Fidelity Bank Loan

  • You must be a wage earner
  • Salary must be domiciled with Fidelity Bank Plc
  • You must have received at least 3 consecutive months of salary from Fidelity Bank Plc
  • You must have a clean credit report

Top Loans Offered by Fidelity Bank

Payday loans

Payday Loan is a short-term loan designed to meet the immediate need of a wage earner who’s account is established with Fidelity Bank.

The loan disbursed in less than 2 minutes can be accessed through Fidelity Bank’s digital channels.

Why A Fidelity Payday Loan?

  • You can borrow up to 50% of your net salary from Fidelity Bank Plc
  • You can borrow a minimum loan amount – 10,000.00 and a maximum loan amount – ₦ 1,000,000.00
  • The maturity date is the last day of the month and the interest rates and fees for the facility are 2.95% (subject to periodic reviews by prevailing market conditions).

2. Fidelity Migo Loan

Migo Loan partners with Kwikmoney and offers loans for users of Airtel, Mtn, Glo, 9mobile with an interest rate of 15%.

How to qualify?

  • Must have a bank account
  • Need to charge your phone
  • The phone must be registered with the bank

3. Fidelity Personal Loan

When you need to finance a major expense or pay off credit debt, a personal loan from a loyalty bank provides you with instant cash loans of up to N1,000,000.

4. Fidelity Auto / Car Loan

Whether you are a driver or need a loan to finance your car business, the Fidelity Auto Loan allows you to start and buy your dream car.

Fidelity Loan App – How to Get Loan from Fidelity Bank Online?

FastLoan is an application from Fidelity Bank Plc for processing micro-loans. The application allows instant loan disbursement within 2 minutes as well as seamless loan repayment through various flexible options without documentation, collateral, or bank visit.

With just your phone number and a bank account, they will offer you a loan and pay it out to your preferred bank account within minutes.

Consistently pay back on time and access even higher loan offers.

  • Download the app
  • Create an account with an email address and a phone number
  • Get instant access to loan offers
  • Cash-out to your favorite bank account.

Fidelity Bank Loan USSD Code – Fidelity Bank Quick Loan Code

Access instant payday loans from your phone when you dial the Fidelity Bank loan USSD code *770*08# to access their digital Fastloans.

FAQs About Fidelity Bank Loans

Can I apply for a personal loan if I don’t have a Fidelity Bank salary account?

While some loans require a Fidelity Bank salary account, others like the Fidelity Loan On Account Turnover (FLOAT) are available for active account holders, even without a salary account.

What is the typical turnaround time for loan approval?

Fidelity Bank is known for its swift loan processing. Depending on the type of loan, you can expect quick approval and disbursement, especially for existing customers.

Are there any hidden fees associated with Fidelity Bank loans?

Fidelity Bank maintains transparency in its dealings. While there are fees like management fees and credit life insurance, they are clearly communicated in the terms and conditions.


In conclusion, understanding how Fidelity Bank loans work empowers you to make informed financial decisions. Whether you’re an individual seeking immediate financial assistance or a small business owner aiming for growth, Fidelity Bank’s diverse loan products cater to your specific needs. By adhering to the eligibility criteria, managing your accounts actively, and comprehending the terms and conditions, you can navigate the loan application process with ease.

Explore the Fidelity Bank loan options today and take a step towards achieving your financial goals!


I am Mr. 9jaboizgist, a dedicated content writer and the proud owner of 9jaboizgist, a versatile blog covering a wide array of topics. With a passion for blogging and a knack for delivering up-to-the-minute information, I specialize in curating engaging content in the fields of technology, business, finance, banking, loans, insurance, and the Internet.