Need airtime but running low on cash? Our Airtime Loan lets you top up now and pay back later, so you can stay connected when it matters most.

How to Apply Section

• Just dial *329#, choose Loans, then Airtime Loan, and follow the steps.
• Or dial *329*11# and pick an Airtime Loan to get started.

Airtime Loan is available for FCMB customers. If you don’t have an account yet, you can open one here.

Frequently Asked Questions

Q: How can I be eligible?
If you’ve been using your FCMB account for at least 3 months, you’re good to go.

Q: What is the maximum amount that can be accessed as an Airtime Loan?
You can borrow up to N5,000 as airtime.

Q: What is the minimum amount that can be accessed as an Airtime Loan?
The minimum you can borrow is N200.

Q: What is the tenor of the Airtime Loan?
You have 7 days to pay it back.

Q: What is the interest rate?
The interest rate is 12.5%, and it’s taken upfront when you get the loan.

Q: How many times can I request for the loan?
You can request a loan as often as you need, as long as you’re eligible.

Q: Can I request for early liquidation of my loan?
Yes, you can. Just dial *329*11# and choose Loan Repayment.

Q: What happens if my account is not funded for repayment on the due date?
We’ll try to collect the repayment from any money that comes into your FCMB accounts. If the loan is overdue, we’ll also check any account linked to your BVN.

Q: Is there any penalty for not repaying the loan on time?
If you miss your repayment, the same interest rate will keep applying for up to 30 days after your due date.

Q: Can a non-FCMB customer access the loan?
This service is just for FCMB customers right now.