Stanbic IBTC Secured Term Loans With Fixed Monthly Repayments and Competitive Rates in Naira

Why choose Stanbic IBTC secured term loans in Naira

Stanbic IBTC loan products are built for everyday Nigerians who need reliable finance with predictable costs. These secured term loans come with competitive Naira rates and fixed monthly repayments, so you know exactly what leaves your salary account each month.

Whether you live in Lagos, Abuja or any other city, the Stanbic IBTC loan gives quick access to funds directly into your salary account on approval. The combination of speed, transparent fees and Naira-denominated repayments makes this option practical for salaried workers across Nigeria.

Key features and benefits of the loan

The main benefits include affordable interest rates, fixed monthly repayments and the ability to borrow up to a percentage of your net salary, depending on eligibility. Monthly electronic statements keep you updated, helping you budget and avoid surprises.

Stanbic IBTC secured term loans are designed to cover common needs like medical bills, school fees, house repairs and car maintenance, with funds disbursed fast into your salary account. The fixed repayment structure helps maintain financial discipline and preserves your Naira purchasing power against unexpected expenses.

Eligibility, documentation and employer criteria

To get a Stanbic IBTC loan you must be a Nigerian citizen, aged between 21 and 60, with a minimum net monthly income (for example N100,000) and salary paid into a Stanbic IBTC account. You should have worked with your current employer for at least six months and have a satisfactory credit bureau report.

Employers are vetted for stability and timely payroll practice; larger organisations or accredited employers often speed up approval. Prepare ID, payslips, employment letter and your Stanbic IBTC salary account details to make the process smooth.

Application process, repayment tracking and support

Applying is straightforward: visit a Stanbic IBTC branch, use the online portal or speak with your HR team if your employer is accredited. After submission, credit checks and income verification are done quickly so approved funds hit your salary account without undue delay.

Repayment tracking is easy with monthly electronic statements and online banking—so you always see outstanding balance, next due date and payment history. Customer service in Nigeria is available to explain interest, tenure options and any restructuring requests, giving you confidence while repaying.