Personal Loans

Loans for everyday living, because we want to help move you forward.

Loans for everyday living, because we want to help move you forward.

If you need short term financing then a Fixed Term Loan (FTL) is for you. It’s a personal loan that offers you the same interest rate and repayments throughout the term of the loan. This type of loan does not need any collateral and you will know the exact date when the repayments end.

  • Low interest rates
  • You can access credit of up to 100% of your income.

  • You must have been with your current employer for six months or longer.
  • Your salary must be domiciled with us.
  • You need to be permanently employed or be a contract worker at an approved company with valid contract terms.
  • You have to be a Nigerian citizen with permanent residency.
  • You should earn a minimum net monthly income of N20 000.
  • Must be 21 years or older (but not older than 60 years on expiration of the facility).
  • You must have a satisfactory credit bureau report.    

With a Revolving Term Loan (RTL) your monthly payments are fixed but there is no specific payment period. You will have several payment options every month and you will have access to the money that has not been used.

  • Access to money when you need it provided it is the paid portion of the approved limit.
  • Your loan can be used for any purpose.

  • A salary account with us.
  • A letter from your employer confirming that you have been with them for at least 12 consecutive months.
  • For contract employees, you need to give us a copy of your most recent contract.
  • Copies of your payslips for the past three months.
  • You have to be a Nigerian citizen with permanent residency.
  • If you have an account with us that was opened in the past six months, you need to give us six months’ details of your other bank account.
  • Proof of residential address such as electricity, water or waste bills (original must be shown to your account manager) or we can send someone to visit your address.
  • Filled in account opening form.

Please visit a Stanbic IBTC Bank branch near you 

or call 0700 CALL STANBIC (0700 2255 7826242) or +234 01 270 9676 

or e-mail us: 


Customer Care Line

0700 333 3333

+234 700 333 3333


Send us an email

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