EZ Cash Loan | How To Get Instant Stanbic IBTC Loan

This article will provide you with information about the Stanbic IBTC loan. After reading this post, you will be able to know the Stanbic IBTC loan offers and credit facilities, requirements, interest rates.
Pinterest LinkedIn Tumblr

There is an ocean of space that separates the corporate organizations as you know it and their SME counterpart. A vast majority of this space exists due to a difference in available funds that each company has to work with.

Stanbic ibtc ez cash loan

To bridge this gap, many commercial banks now offer easy access loan packages to SMEs. Stanbic ibtc ez cash is the special loan package that the institution has designed for businesses in Nigeria. This article contains everything you need to know about their loan

What are the perks of Stanbic ibtc ez cash loan?

The key points of the Stanbic ibtc ez cash loan are:

  • Access to up to 5 million instant loan
  • Easy repayment plan spread across 6 to 12 months
  • An interest rate of 2.5% per month

How can I apply for the Stanbic ibtc ez cash loan?

Follow the steps below to apply for the loan:

  • Firstly, start by dialing *909*44# or log in to your personal Stanbic IBTC mobile application, enterprise online or internet banking and select Request EZ Cash
  • Supply all the requested details. Some of these include 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 details of the loan, and if okay, click accept. Note that the terms include your consent to have your account debited for repayment if you default on a particular date. Also, you would be required to provide your debit card details.
  • On acceptance of the terms, your account would be credited immediately

How do I repay the Stanbic ibtc ez cash loan?

Repayment is very easy and not an active task that you perform. 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, reach out to your relationship manager or call 07003333333

How do I qualify for the Stanbic ibtc ez cash loan?

To qualify for this loan, you must have an active account with stanbic IBTC which is at least 12 months old. Also, you must be above the age of 18 but below 59 years, and have no history of dud cheques. Ultimately, your credit reports must be satisfactory.

Other Stanbic IBTC Loan Offers

The following are some of the loan offers and credit facilities you can get from Stanbic IBTC bank Plc.

Car Loan

This loan is designed to help you get any model or car of your choice. Both new and existing Stanbic IBTC customers can apply for the car loan and get cash to purchase automobiles.

Rent Loan

The Rent loan is under the ‘Personal Loan’ category. It provides you with cash for you to meet up with the payment of your house rent. Depending on your needs, Stanbic IBTC bank can give you this loan on a short-term or long-term basis.

Apart from their low-interest rates, they offer a minimum loan amount of N165,000 which enables to secure a credit of more than 100% of your income.



They also give out loans to customers whose salaries or business proceeds are paid to their Stanbic bank account. These loans enable their customers to own homes and hours in certain cities in Nigeria. The locations are Kaduna, Kano, Ogun, Lagos, Ibadan, Abuja, Port Harcourt and Benin City.

The following are the eligibility criteria for this loan;

  • Present a document showing the proof of your address such as a recent utility bill.
  • You must be a citizen and permanently resident in Nigeria.
  • Present your payslips for the previous 3 months.
  • Collect a home loan application form from the bank, fill and submit the form to the bank.
  • The proceeds of your business proceeds and salary payment must be made into your Stanbic IBTC bank account.
  • You must have been with your employer for a period of at least 12 consecutive months.
  • Present a copy of your letter of employment or a letter of introduction from your employer.
  • If you work based on a contract basis, you need to present a copy of the most recent contract you got.
  • You must earn a monthly net salary of about N200,000 or N140,000 to quality for an equity release loan.
  • If your Stanbic TBTC account was opened within the previous 6 months, you will have to present a six-month statement of account of your former or other bank accounts.

Salary Advance Loan

This loan package is made to offer monthly overdraft to employees and staff of companies, ministries, government organizations and parastatals. This loan is open for those whose salary accounts are domiciled in Stanbic IBTC bank.

The customer must have received his or her salary through their bank account within the past 3 months. Customers are to apply through internet banking or to obtain and submit the Salary Advance application form at the bank.

To increase your chances of getting the Stanbic IBTC loan, you must have a good credit bureau report and a verifiable source of income.

How many times can I borrow from the Stanbic ibtc ez cash?

There is no limit to how much you can borrow. As long as the total amount does not exceed your maximum assigned limit, you can borrow all you need.

What are the factors that determine my loan limit?

The maximum amount of loan you can obtain is essentially determined by your average monthly income. However, if you have obtained a loan before, vital information like how quickly you repaid is also taken into consideration. This also applies if you currently have a pending loan.

Are there any fees charged on Stanbic ibtc ez cash?

Obtaining this loan comes with the following fees:

  • An insurance fee of 0.35% on the amount borrowed
    Value added tax (VAT) of 0.05% on the amount borrowed
  • Management fee of 1% on the amount borrowed

What happens if I don’t withdraw the money borrowed?

If for some reason, you end up not withdrawing all the money credited to your account as the loan disbursement, interest charges will only apply to the amount you withdrew.


Stanbic ibtc ez cash loan is a beneficial and easy loan to access. It 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 phone.

Share with friends and colleagues!
Alamu Tosin

The writer is Alamu Tosin. I have three strong passions in life — football, blogging and movies — in that order. I love spending time with friends talking about the important things in life and hate nothing more than ‘authority’ and hypocrisy. My personal believe in life is that once an individual sets his/her mind to achieve something, it is totally possible. And oh!, I am a strong Lannister, because I always pay my debt. For writing or fixing gigs, contact

Write A Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Pin It