Stanbic IBTC EZCash Loan Nigeria, Instant Naira on Your Phone with No Collateral

Quick overview of Stanbic IBTC EZCash loan in Nigeria

EZCash loan from Stanbic IBTC delivers instant Naira straight to your phone without the headache of collateral, making it one of the most practical instant loan options in Nigeria today. You can access amounts from N20,000 up to N7,500,000, with approvals in minutes via USSD, mobile app or internet banking.

This product targets Nigerians who need fast cash for emergencies, business needs or bill payments, and it works well for salaried and self-employed customers alike. The emphasis on mobile accessibility and quick approval keeps EZCash popular across Lagos, Abuja and beyond.

Costs, fees and repayment flexibility

Understand the numbers before you borrow: EZCash carries a monthly interest rate of 3.2%, plus a management fee of 1%, VAT at 0.05% and an insurance fee of 0.35% of the loan amount. Repayment terms are flexible up to 24 months, with options to prepay without penalty.

Because the total cost can add up over time, factor the monthly charges into your budget and use the bank’s repayment plan to avoid surprises. The transparent fee breakdown helps you compare EZCash with other instant loan products in Nigeria.

Eligibility and how to apply in Naija

To qualify you must be 18 to 59 years old, hold an active Stanbic IBTC account for at least six months and maintain a satisfactory credit profile. There’s no collateral requirement for eligible customers, but good credit history increases your borrowing limit.

Applying is straightforward: dial *909*44# or use Stanbic IBTC Mobile App or Internet Banking to check your limit and request funds. The process is designed for fast turnaround so you get Naira into your phone wallet quickly.

Why choose EZCash and practical tips

EZCash is ideal when speed and convenience matter — think emergency medical bills, quick business capital, or consolidating short-term debts. As a regulated product under the Central Bank of Nigeria and the Standard Bank Group, it gives the reassurance of a trusted provider.

Tips: borrow only what you need, set up debit orders for timely repayment, and monitor the effective monthly cost so the loan doesn’t strain your finances. For support call the local line 01 422 2222 or check contact options in the app before applying. Ready to check your EZCash limit and get instant Naira to your phone? Apply now through USSD or the Stanbic IBTC app and manage your cash with confidence.