Standard Chartered Personal Loan Nigeria Borrow Up to ₦35M With Low Monthly Rates No Collateral and Fast Approval

Features and benefits of the Standard Chartered personal loan Nigeria

The Standard Chartered personal loan Nigeria offers salaried Nigerians access to up to ₦35,000,000 with low monthly rates and no collateral required. This unsecured loan is designed for real-life needs — from home upgrades to business kickstarts — and keeps repayments affordable with competitive interest from the bank.

Borrowers value fast approval and flexible tenors of up to 60 months, plus features like loan top-ups and a Take Over facility for refinancing existing credit. If your salary can be domiciled with Standard Chartered, you stand a good chance of quick processing and instant personal loan approval.

Eligibility and required documents for a personal loan

To qualify for a Standard Chartered personal loan Nigeria you generally need to be between 21 and 60 years old, employed by a reviewed company, and earn a minimum of ₦120,000 per month. The application minimum starts from around ₦175,000 while the top limit reaches ₦35M for eligible salaried Nigerians.

Prepare three months of bank statements, three months of pay slips and a letter from HR to domicile your salary with the bank. Meeting these Nigeria-specific requirements shortens turnaround times and improves the chance of instant personal loan approval.

How to apply and get fast approval

Applying is straightforward: complete the loan form at any Standard Chartered branch or via their online portal, attach your statements and pay slips, and submit the employer awareness letter. Local branches in Lagos, Abuja and Port Harcourt can assist with transfer of salary and final checks.

When your documentation and salary domiciliation are in order, you can expect fast approval and swift disbursement. The Standard Chartered personal loan Nigeria emphasises speed — so qualified applicants often see funds hit their account quickly, making it a practical option for urgent needs.

Repayment plans, fees and extra perks

Repay over flexible tenors up to 60 months to keep monthly instalments manageable; Standard Chartered also allows loan top-ups after six months if your repayment record is clean. There are no preliquidation charges, which means you can settle early without penalties and save on interest.

Additional perks include competitive transfer terms for moving existing loans to Standard Chartered and transparent fee schedules tailored to local borrowers. With its clear eligibility criteria, low monthly rates, and unsecured structure, the Standard Chartered personal loan Nigeria is a strong option for those who need reliable, fast and affordable credit.