EZCash Loan from Stanbic IBTC, Fast Naija Cash with No Collateral and Instant Approval, ₦20,000 to ₦7,500,000

Overview of EZCash from Stanbic IBTC

EZCash loan from Stanbic IBTC is one of the fastest instant loan options for Naija customers, designed to clear emergency bills or boost small business cashflow. This no-collateral product gives you access to funds in minutes, with loan amounts ranging from ₦20,000 to ₦7,500,000 depending on your profile.

The product is popular across Lagos, Abuja and other cities because it blends convenience with trust—Stanbic IBTC is regulated and customers feel safe taking an EZCash loan when they need cash quickly. The service supports both USSD and app applications so you can apply even when you’re on the go.

Key features, costs and what to expect

EZCash loan approval is usually instant and there is no collateral required, which makes it ideal for short-term needs. Interest runs at 3.2% per month; additional costs include a 1% management fee, 0.05% VAT and 0.35% insurance fee, so check the total cost before taking the loan.

Repayment terms are flexible up to 24 months, and the loan can be used for anything from school fees to stock purchases. Because the EZCash loan is targeted at Nigerian borrowers, the pricing is shown in Naira and the product aligns with local banking norms under CBN oversight.

How to apply and eligibility in Nigeria

Applying for the EZCash loan is straightforward: dial *909*44# on your phone or use the Stanbic IBTC mobile app or internet banking to submit your request. You get a quick decision and funds can hit your Stanbic IBTC account the same day for approved applicants.

Eligibility requires an active Stanbic IBTC account for at least six months, age between 18 and 59, and a decent credit record with no dud cheques. Your monthly income, existing loan obligations and repayment history all affect the maximum EZCash loan limit you can access.

Repayment tips, limits and customer rights

Plan repayments carefully: although you can stretch repayments to 24 months, interest at 3.2% monthly adds up, so use the prepayment option if you can to save on interest. You can borrow multiple times as long as you remain within your assigned EZCash loan limit.

Stanbic IBTC allows pre-liquidation without penalties and provides customer support for queries, giving Naija borrowers peace of mind. If you need quick, no-collateral cash in Nigeria, the EZCash loan is a reliable choice—compare costs, confirm your limit and apply via USSD or app to get funds fast.