Stanbic IBTC EZCash Loan ▷ How to Apply and Get ₦1.3m

Are you looking for how to apply for Stanbic IBTC EZCash Loan, get code and calculator for salary, login, balance check, repayment and customer care number?

If YES, this article is only what you need to read today.

What is EZ Cash?

Stanbic IBTC EZCash is a term loan that offers eligible active current account holders, instant access to funds ranging from ₦20,000 to ₦4,000,000 at an interest rate of 2.5% monthly to pay back within 12 months, anytime, anywhere with no documentation required.

How do I qualify for Stanbic IBTC EZCash Loan?

Here are the eligibility requirements for Stanbic IBTC EZCash Loan:

  • You must have an active account that is at least 12 months old with the bank.
  • You should not be less than 18 years as at the loan application date and maximum of 59 years.
  • You must not have any history of dud cheques.
  • You must have satisfactory credit reports.

How many times can I borrow?

With Stanbic IBTC EZ Cash Loan, you can borrow as many times as you require, provided the cumulative sum of total amounts borrowed does not exceed your maximum assigned limit.

Your loan limit will depend on your average monthly income and the monthly loan repayments on existing loans (if any).

What are the charges/fees?

Here are the charges for Stanbic IBTC EZ Cash:

  • Management fee of 1% on amount borrowed.
  • Value Added Tax (VAT) of 0.05% on the amount borrowed.
  • Insurance fee of 0.35% on amount borrowed.

When is the Interest taken from my account?

Interest payment for the amount borrowed is taken at the end of the month.

What happens if I only spend part of the money I borrowed?

In the event you withdraw money to an amount less than the sum initially borrowed, interest charges will only apply to the amount withdrawn.

How to Apply for Stanbic IBTC EZCash Loan

Here are the steps to apply for Stanbic IBTC EZCash Loan:

  • Visit the Stanbic IBTC EZ Cash Website.
  • Input your account number.
  • Enter your registered phone number, as it is on your BVN, and click Get Started.
  • An OTP (One-time Password) will be sent to your registered line.
  • Respond with the secret OTP and proceed.
  • Supply all the requested details, e.g., the amount you intend to borrow, and the expected repayment period.
  • A credit evaluation is then carried out to confirm if you are qualified.
  • If successful, they would present you with an applicable interest based on your present risk score and loan duration.
  • Read through the loan details, terms and conditions, and if okay, click accept.

EZCash USSD Code

In case you don’t have access to the internet, you can still use your smartphone to borrow on EZCash.

For direct access to Stanbic IBTC EZCash, dial *909*44#.

After dialing this, just follow the instructions as fast as you can as the code times out in seconds.

How do I repay Stanbic IBTC EZCash Loan?

Repayment for Stanbic IBTC EZCash Loan is very easy.

Once the loan term elapses, you would get a message containing your outstanding payment, and then your account would be debited.

To pay back, simply ensure that you have the complete amount in your account on the payment day.

However, you can also choose to pay back before the due date.

To do this, contact your personal account manager or customer care on:

  • 0700909909909


Stanbic IBTC EZCash Loan is a beneficial and easy loan to access.

This term loan ensures that you are never short of funds required to keep your business afloat or expand for growth.

The best part is that you can easily access this loan through your USSD Stanbic IBTC mobile app and the comfort of your mobile phone.

Hope you enjoyed this article?

If you have questions, comment below.

READ ⇒  8 Reliable Loan Apps in Nigeria with Low Interest Rates [Get ₦750k Now]

Show More

Saint Chinedu

My GOAL is to equip you with the right strategy and working information to improve your academic performance, financial situation, and health this month.


  1. I have try all i could to apply for dis loan but is not working wht did i do, i dont no if dis us working den let my own wrk for me

  2. I have been trying to reapply for Ez cash loan for months now but not eligible is what I see, does it mean that there is no disbursement of loans again for customers

  3. I want to migrate from saving to salary account. I’m using saving account as salary account now. I want to apply for EZ cash loan,but always say ” not eligible”

    1. I have Been trying to apply for EZ Cash but its always saying am not eligible since last year.i dont undstd y and i really need d cash

  4. I have been enjoying the Stanbc bank EZchash loan for so long . 1- I can not asses the EZ chash topup loan since July I have been expecting the system to update still to no avail but the monthly dedoction its still going . I need an update for this please. 2- how can I apply for the EZ chash 1.3 million naira loan as a salarian

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button