FirstBank Airtime Loan Nigeria, Instant N200 to N5,000 via *894*11# with No Collateral or Paperwork

FirstBank Airtime Loan is fast becoming the go-to emergency credit in Nigeria for people who need airtime or data in a hurry. With instant loans from N200 to N5,000 via the USSD code *894*11#, FirstBank gives qualifying customers airtime without collateral or mountains of paperwork. This product keeps you connected for important calls, data needs and quick errands when NGN cash is tight.

How the service works

Applying is straightforward: dial *894*11# on the phone number linked to your FirstBank account, choose Airtime/Data loan and follow the prompts. Approval happens in minutes and airtime is pushed straight to the nominated number, so you can make that urgent call or buy data immediately.

Eligibility scoring uses account history, BVN and turnover, so regular FirstBank customers with six months activity or more tend to get higher limits. The loan tenor is short – up to 7 days – designed for quick payback and repeat access when you need it.

Eligibility and requirements

To access the FirstBank Airtime Loan you must have an active FirstBank account, a valid BVN linked, and an updated phone number. The service targets everyday Naija users who need fast airtime without visiting a branch.

Credit history and account turnover influence the maximum you can borrow, typically between N200 and N5,000. No collateral, no physical paperwork – everything is handled digitally for convenience and speed.

Costs, fees and repayment

Costs include a flat interest rate and an insurance fee per transaction; typical charges are disclosed during the USSD flow so you know the exact cost before accepting. Borrowing for emergencies means understanding the fees and planning prompt repayment within the 7-day window.

Default attracts a penalty, and repeated non-repayment can affect your credit profile. For many users the quick airtime loan is worth the small fee because it avoids missed calls, failed business transactions or downtime for entrepreneurs and gig workers across Lagos, Abuja and beyond.

Why choose FirstBank Airtime Loan

This airtime loan Nigeria product combines speed, convenience and wide availability for FirstBank customers. If you need a quick top-up to stay online, make urgent calls or manage business flows, the service delivers instantly without paperwork or collateral hassles.

Ready to try? Dial *894*11# now and follow prompts to get N200 to N5,000 airtime in minutes. Use responsibly, borrow what you can repay, and enjoy uninterrupted connectivity across Nigeria with FirstBank Airtime Loan.