Flexible payment loans

Bank Loans with the most flexible payments in Nigeria.


The need for access to finance especially in frustrating or hard times can make it difficult to access as the need for credit is a global phenomenon. However it seems the need for credit in Nigeria seems to be very high due to the costs of setting up a business, rent and other emergency needs.

With all these being said do you know you can get access to Bank Loans with the most flexible payments (also collateral free) in Nigeria, yes very true as collateral and way too high interest is are the major killers of interest in credit.

Below is a list of bank loans with the most flexible payments in Nigeria.

Fidelity Personal Loan Scheme (F-PLS).

Fidelity Personal Loan Scheme (F-PLS), offers you access to funds to meet personal financial obligations such as; house rent, school fees, hospital bills, travel expenses, etc.

  • Tenor is up to 60months
  • Attractive interest rate with flexible repayment plan
  • Provision for enhancement( top-up) after part liquidation
  • Provision for loan buy back
  • 48 hour approval time
  • Instant Salary Advance Scheme (ISAS).

Zenith Bank Loans.

Zenith bank provides loans for your business, education or other personal needs. The loan can be received through an Overdraft which allows the borrower to draw a certain amount in excess of the credit balance in their current account within a specified tenor usually not exceeding 12 months.

Various kinds of loans offered by Zenith includes.

Education Loan.

Education is the bedrock of social and economic development and our education loan scheme is designed to provide short term funding to enable parents/guardians pay tuition fees for their children/wards.


Z-Woman is our single digit loan product for female owned businesses for all sectors primarily geared toward growing our SME sub-sector and diversifying our customer base. 


  • Personal/Consumer loans to finance personal needs.
  • Asset acquisition/Car Loans to finance purchase of vehicles or acquisition of household assets.
  • Mortgage Facility – This is designed to fulfil your aspiration to purchase your dream house with ease.

Click here to learn more.

UBA overdraft.

A short term facility that allows you overdraw a maximum amount of N3 million on your current account for up to 6 months.


  • Executives, partners and middle level management staff of reputable organisations in the private or public sector who are confirmed and earn an after tax annual income of N5million
  • Individuals whose salaries must have been paid through UBA for at least 3 months
  • UBA account holders
  • Individuals who do not have a history of returned cheques due to insufficient funds

Click here to learn more.

Access Bank Pay Day loan.

This is an instant loan product for salary earners. With payday loan, you can borrow money at low interest rate against your next salary.

According to them the loan is disbursed immediately after request is made and a successful registration provided the eligibility terms are met. Learn more here.

Wema Bank Personal loan.

Personal Loan is a loan facility currently available to employees who operate a Salary Current or Savings Account with Wema Bank. This product is also available for formally employed staff of companies/employers pre-approved by Wema Bank and groups of salary earners under an association.


Available to existing salary account holders, based on salary domiciliation.

New customers, will in addition to salary domiciliation, provide evidence of consistent salary payment for most recent 3 months.

Maximum loan amount is 7 multiples of net monthly salary, subject to a maximum of N2 million

Maximum loan tenor of 36 months.

Loan Top-up available after 6 months of regular monthly down payments.

Available to confirmed employees only.

Apply for loans & overdrafts at the convenience of your office

Short turnaround time for loan & overdraft disbursement (48 hours)

Zero account maintenance fee on the current account

Access to mobile & Internet Banking services

Click here to learn more.

FCMB fast cash.

FCMB FastCash is a convenient, paperless credit facility with no collateral required for your emergencies and urgent needs. It is an instant loan and the application is through our USSD code *329*11#.

Features and Benefits.

FCMB FastCash is designed for existing FCMB customers; Non-FCMB Customers and has the following benefits.


  • Instant access to funds
  • Up to N100,000 loan amount
  • No paperwork required, just apply through *329*11#.
  • No collateral needed
  • 30 days clean up cycle
  • Customer can apply as many times in a year as s/he is qualified.


  • Instant access to funds
  • Up to N200,000 loan amount
  • No paperwork required, just apply through *329*11#.
  • No collateral needed
  • No FCMB account is required
  • Up to 3 Months Repayment cycle
  • Customer can apply as many times in a year as s/he is qualified.
  • interest Rate of 3.5% monthly and a one-off management fee of 1%
  • Funds will be transferred to the customers salary account in any bank where the salary is domiciled
  • All Federal Government Employees EXCEPT Military and Para-Military Employees

FCMB quick loan.

With this credit facility, you can get a short-term facility of up to five million naira with no collateral required.

Click here to learn more.

GTBank Personal loans.

This credit facility provides you with provide you with the right financing for your personal needs while guaranteeing you all the security you are looking for. This facility also has other plans click here to learn more.

Wema Bank unsecured business loan.

Wema bank also offers unsecured business loans without collateral to businesses in Nigeria to help them boost their working capital and also support their asset purchases.

Click here to learn more.

First Bank Personal Loan against salary.

First Bank offers their salaried customers an advance against their salary but you must have a salary account with First Bank to get access to this facility.

Click here to learn more.


Feeding, transportation, and rent are one of the major pocket drainers especially in Nigeria where the price of things get easily inflated most especially food and groceries, meaning to start a business, a project, rent payment these credit facilities can come in handy at times.