Loans & Credit
Loans designed for real Nigerian needs
Whether you need a salary advance before payday or working capital to grow your business, BellBank has a loan product for you — fast, fair, and fully in-app.
Loan Products
A loan for every need
From salary advances to business working capital, our loan products are designed with Nigerians in mind.
Salary Advance
Get up to 50% of your expected salary before payday. For salaried workers with a BellBank account.
- Up to 50% of monthly salary
- Repaid on next payday
- No collateral required
- Instant disbursement
Business Loan
Working capital for SMEs and small businesses. Grow your stock, fund operations, or expand your reach.
- Up to N5,000,000
- Flexible repayment tenure
- Competitive interest rates
- Quick approval
POS Credit
For active POS agents and merchants. Get credit based on your transaction history with BellBank.
- Based on POS transaction history
- No paperwork needed
- Disbursed in under 24 hours
- Repaid through POS revenue
Why BellBank
Borrowing made simple, fair, and fast
Fast Approval
Get a decision within minutes. Funds disbursed in under 24 hours for qualified applicants.
No Hidden Fees
Transparent pricing with no surprise charges. What you see is exactly what you pay.
Flexible Repayment
Choose repayment schedules that fit your cash flow — weekly, bi-weekly, or monthly.
Minimal Documentation
No lengthy paperwork. Apply entirely within the BellBank app with basic documents.
Dedicated Support
A loan officer is assigned to every applicant to guide you through the process.
Build Credit History
Timely repayments build your credit profile, unlocking higher limits over time.
Eligibility
Do you qualify for a BellBank loan?
Our loan eligibility criteria are simple and straightforward. If you meet the conditions below, you can apply directly from your BellBank app.
- Must hold an active BellBank account
- Must have completed BVN and NIN verification
- Minimum 3 months of account activity
- For business loans: registered business account required
- For POS credit: minimum 60 days of POS transaction history
Quick Loan Estimator
Salary Advance
Up to 50%
of monthly salary
Business Loan
Up to N5,000,000
for qualifying businesses
POS Credit
Based on history
up to 3x monthly POS volume
Let's put your mind at ease.
Can't find the answer you're looking for? Reach out to our customer support team.
How do I apply for a loan on BellBank?
Log into your BellBank app, navigate to the Loans section, select the loan type that suits your needs, and follow the simple application steps. Most applications are completed in under 5 minutes.
How quickly will I receive my loan?
For qualified applicants, loans are disbursed within 24 hours of approval. Salary advance loans are typically disbursed within the same business day.
Is collateral required?
Most of our loan products do not require physical collateral. Eligibility is based on your account history, BVN verification, and transaction patterns.
What are the interest rates?
Our interest rates are competitive and vary by loan type and amount. You will see the full cost of your loan — including interest and any fees — before you accept the offer.
What happens if I miss a repayment?
We encourage you to contact our support team immediately if you anticipate difficulty repaying. Late repayment fees may apply, and repeated defaults may affect your eligibility for future loans.
