Fidelity Personal Loan Nigeria Quick Salary Loan up to ₦5,000,000 for Salary Earners via USSD

Fidelity Personal Loan Nigeria gives salary earners a fast, transparent way to access funds up to ₦5,000,000. For workers with a salary account domiciled at Fidelity Bank, the salary loan via USSD is simple, clear on fees and built for Nigerians who need quick cash without bulky paperwork.

Fast salary loan via USSD for Fidelity customers

Applying for a Fidelity Personal Loan is straightforward: dial the USSD code *770*08# from your Nigerian line, follow the prompts and get instant pre-qualification. The USSD channel is ideal for Lagos, Abuja or any state where mobile access is the fastest route to finance.

This quick loan Nigeria product targets salary earners who receive pay into a Fidelity Bank account. Approval times are short, and funds can hit your account within hours, making it a go-to option for urgent bills, school fees or small business bridging needs.

Rates, fees and repayment flexibility

Fidelity Personal Loan typically charges around 2% per month with a management fee and insurance disclosed up front. The transparency on interest, admin fees and insurance helps borrowers in Nigeria compare affordable loans and avoid unpleasant surprises later.

Tenors and repayment are designed for salaried workers: you can borrow up to 40% of your annual net salary or a cap of ₦5,000,000, with options to prepay without penalty. That flexibility is valuable when salary cycles change or you want to clear debt early.

Eligibility and how to maximise approval chances

To qualify, you must have a salary account at Fidelity Bank for at least six months and a good repayment history. Maintain your account active, keep a healthy credit profile and ensure payroll is correctly domiciled to speed up approval.

Employers using payroll platforms common in Nigeria can still enable eligibility if the salary is routed to Fidelity. Keep payslips and ID ready even if the USSD process needs verification — these steps improve your chance for a higher limit.

Why choose Fidelity Personal Loan in Nigeria

This product stands out among digital personal loans Nigeria because of its blend of speed, transparency and nationwide access via USSD. For many Nigerian salary earners, that combination beats lengthy bank procedures and unclear fees from other lenders.

Whether you live in Lekki, Jos, Port Harcourt or a smaller town, the Fidelity salary loan offers convenient access to funds, clear terms and predictable repayment. It’s a practical choice for people who want a reliable quick loan Nigeria solution tied to their salary.