Keystone Bank Loan In Nigeria | How To Apply

Below are the types of loans you can get for personal lifestyles or business needs. Take your time to select what is best for you.
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Keystone Bank is Nigeria foremost financial institution which offer varieties of Loan facilities to it customers ranging from SALARY ADVANCE INSTANTA,EQUITY RELEASE,ASSET FINANCE,AUTO LOAN,HOME ACQUSITION and SALARY BACKED LOAN

Keystone Bank also offer CREATIVE INDUSTRY FINANCING INITIATIVE in the following area

  • Fashion
  • Information Technology
  • Movie
  • Music

Their school fees loan is designed to provide parents/guardians with short–term financing to cover tuition fees for their children/wards, as well for financing of undergraduate study, postgraduate study and professional examinations.

Let take a look at keystone Bank loan products that is been offer their their customers in details.


Keystone Bank operates with best practices and offers leading solutions and services to its clients and associates who are salary earner and their salary account is domicile with the bank.

This loan facility allow salary earners access up to 30% of their net monthly salary as an overdraft.

According to keystone bank management, the product is also available to all Keystone Paytime Current Account customers.Hence depositors can access this facility all year with 30 days clean up cycle. Target Market: Salary Earners Tenor: Maximum of 30 Days.

Application requirement for Keystone Bnak Salary advance Loan

  • Completed Application Form
  • Completed Employee Status Inquiry/Employer’s
  • Confirmation Form
  • Evidence of Confirmation (Letter of Confirmation, Last promotion letter etc.)
  • Copy of Employment ID and valid means of identification
  • BVN
  • Credit checks
  • Letter of Lien/Set off
  • Bank account with the keystone bank


The loan facility provides short-Medium term loans of up to N5million for a maximum period of 48months. Product is designed for salaried employees in structured organizations whereby the employer (i.e. Counterparty) have been profiled and assessed to meet the bank’s Risk Asset Acceptance

Keystone Bank HOME ACQUSITION loan

Customers that is access to be AA rating can obtain this type of loan because it’s Accessible to Salary Earners and SMEs.

The Tenor of the loan depend on the following: Non-Salary Domiciliation(7years), Salary Domiciliation(10years) Equity Contribution: 20% for Salary Earners and 40% for self-employed

Customers from the following Locations can access home acquisition loan: Lagos, Abuja, Ibadan, Kano, Port-Harcourt, Jos, Warri, Ogun, Kaduna, Benin, Owerri, Yola, Bauchi, Ilorin, Enugu, Onitsha, Sokoto, Akure, Asaba respectively.

Keystone Bank AUTO LOAN

This kind of loan facilities is long term designed for Salary Earners and Self-Employed Individuals who desire to acquire automobiles (brand new vehicles only) of their choice for personal use.


There loan Tenor depend of the follow class of customers: Salary Earners(48mths); Entrepreneurs(36mths)


keystone bank Equity Release is a long term salary advance that is secured by legal mortgage of the occupied residential property. Only accessible to salary earners.

According to the bank, Tenor for the loan depend of the following: Salary Domiciliation (7years), Non-Salary Domiciliation(5years) Source of Repayment: Salary and allowances domiciled to Keystone Bank.

Where Salary is not domiciled with the Keystone Bank repayment shall be by NIBSS standing instruction Locations: Lagos, Abuja, Ibadan, Kano, Port-Harcourt, Jos, Warri, Ogun, Kaduna, Benin, Owerri, Yola, Bauchi, Ilorin, Enugu, Onitsha, Sokoto, Akure, Asaba


Keystone bank consumer Finance loan is accessible to Salary Earners and Self-employed customers to part-finance the acquisition of brand new household assets from the Bank’s prequalified vendors.

According to the bank, target Market are meant for the following depositors: Salary Earners and Self-Employed Individuals
Loan tenor: 18 months


This kind of loan facility was introduced by the Central Bank of Nigeria CBN in collaboration with the Bankers’ Committee to improve access to long-term and low interest financing (up to 10 years tenure and an interest rate of 9%) for entrepreneurs and investors in the Nigerian creative and Information Technology sub-sectors.

This was in realization of the role the identified sectors would play to promote job creation, reduce poverty and facilitate inclusive growth. CIFI can be accessed at Keystone Bank Limited.

If you are into the following field,Fashion, Information Technology, Movie and Music you could access up to N500 Million for your creative business.

  • Low Interest of 9% per annum
  • Flexible repayment plan spread over 10 years



  • Your business must be registered with Corporate Affairs Commission
  • You must have a Business Proposal
  • Your business must have a clean Credit Bureau Report with zero overdue obligations.
  • Your business must be in the creative industry
  • Your business must have a satisfactory CRMS report of owners, sponsors and directors.


Interested applicant can Send their business proposal and other supporting documents for your enterprise via

For details, kindly contact Keystone Bank Limited. 1 Keystone Bank Crescent, Victoria Island, Lagos.
Telephone: 0700 2000 3000.

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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

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