Personal Loans
Customized loans designed to meet your specific personal needs regardless of your credit situation.
BEGIN YOUR JOURNEY INTO FINANCIAL CONFIDENCE
Personal Loans
- Fidelity Easy Asset Leasing Scheme
- Fidelity Personal Loan Scheme
- Personal Mortgage
- Instant Salary Advance Scheme
- Fast Loans
- Fidelity Credit Cards
PERSONAL LOAN
Fidelity Easy Asset Leasing Scheme
- Attractive rate with flexible repayment plan
- Minimum contribution as low as 20%
- Flexible repayment plan
- 48hours approval time
- Choose from a variety of vendors/dealers and manufactures nationwide
PERSONAL LOAN
Fidelity Personal Loan Scheme
- Tenor is up to 60 months
- Attractive interest rate with flexible repayment plan
- Provision for enhancement( top-up) after part liquidation
- Provision for loan buy back
PERSONAL LOAN
Personal Mortgage
Own your dream home with Fidelity Personal Mortgage.
- Repayment up to 10years
- 10% minimum equity contribution
PERSONAL LOAN
Instant Salary Advance Scheme
Don’t get caught under the weight of mid-month expenses.
With Instant Salary Advance Scheme, you can access up to 50% of your monthly against your next pay day.
- Minimum required documentation
- 12 hour approval time
PERSONAL LOAN
Fast Loans
We all need some extra cash every now and then to sort out emergencies, pay school fees or business finance, amongst others.
We have got you covered with this bundle of Fidelity Fast Loans:
FAST LOANS
Payday Loan
FAST LOANS
Personal Loan
This is a salary based personal loan to individuals in private and public organizations whose salaries are domiciled with the bank.
FAST LOANS
Fidelity Point of Transaction (POT) Loan
POT is a short-term loan designed to provide bridging finance to Fidelity Bank customers for immediate completion of their financial transactions initiated on ATM, Web, Point of Sale (PoS) due to insufficient balance.
FAST LOANS
Fidelity NYSC Loan
The Bank has made it possible for serving members of the National Youth Service Corps (NYSC) to apply and get instant loans disbursed into their accounts to meet their financial needs.
FAST LOANS
Fidelity Loan On Account Turnover (FLOAT)
The Fidelity Loan On Account Turnover (FLOAT) is an instant loan product for active account holders who have existing banking relationships with the Bank.
FAST LOANS
Migo Loan
Migo is a micro loan service that provides instant access to loan disbursed directly to a customer’s account with no documentation required.
FAST LOANS
Payday Loan
Payday Loan is a short-term loan designed to meet immediate needs of salary earners whose accounts are domiciled with Fidelity Bank.
The loan is disbursed in less than two (2) minutes and can be accessed through any of the Fidelity Bank digital channels.
- Must be a salary earner
- Salary must be domiciled with Fidelity Bank Plc
- Must have received a minimum three (3) consecutive months’ salary with Fidelity Bank Plc
- Must have a clean credit report
- Loan amount – up to 50% of your net salary income with Fidelity Bank Plc
- Minimum loan amount – ₦1,000.00
- Maximum loan amount – ₦1,000,000.00
- Tenor – up to 30 days
- Interest and fees – 4% flat.
For more information on the T&Cs, click here
FAST LOANS
Personal Loan
We believe loan requests to meet your personal needs should be quick and easy to access.
Our personal loans are hassle-free, specially designed for customers whose salary accounts are domiciled with Fidelity Bank.
- Account must be active
- Must be an existing customer
- Must be a salary earner
- Must have a clean credit report
- Minimum loan amount – ₦50,000
- Maximum loan amount – ₦5,000,000
- Tenor – 12 months
- Management fee – 1.0% chargeable upfront
- Insurance fee – 1.0% chargeable upfront
- Interest rate – 2.0% p.m / 26% p.a
- Repayment type – Equal repayment monthly i.e., equal amount repaid by customer.
- Loan Top-up after three (3) successful periodic repayments.
- Credit check is 1% of loan amount subject to a maximum of ₦3,000
- Full liquidation ability before due date.
- Loan recovery will be by debiting customers’s salary account on monthly basis
- Quick processing time
- Instant disbursement into Fidelity Bank account
For more information on the T&Cs, click here
FAST LOANS
Fidelity Point of Transaction (POT) Loan
POT is a short-term loan designed to provide bridging finance to Fidelity Bank customers for immediate completion of their financial transactions initiated on ATM, Web, Point of Sale (PoS) due to insufficient balance.
- User must be a Fidelity Account holder
- Account must have minimum balance of above N500
- Account must be in credit balance
- Customer must not have an outstanding POT loan
- Total transaction value must not exceed the ledger balance
- Loan Amount – Up to N10,000
- Tenor – 14 days
For more information on the T&Cs, click here
FAST LOANS
Fidelity NYSC Loan
The Bank has made it possible for serving members of the National Youth Service Corps (NYSC) to apply and get instant loans disbursed into their accounts to meet their financial needs.
- The following conditions must be met before a corps member (customer) is eligible:
- Must be a serving corps member
- Credit check will be conducted
- Must accept the T&Cs
-
- The Fidelity NYSC Loan consists of Personal and Payday loans:
-
- Tenor – 10 months
- Management Fee – 1% chargeable upfront
- Insurance Fee – 1% chargeable upfront
- Interest Rate – 2% p.m.
- Tenor – 30 days
- Interest and Fees – 1.95%.
- Management Fee – 1.00% flat
- Credit Life Insurance – 0.25% flat
- Easy documentation
- Quick processing time
- Instant disbursement
- Self-liquidation
For more information on the T&Cs, click here
FAST LOANS
Fidelity Loan On Account Turnover (FLOAT)
The Fidelity Loan On Account Turnover (FLOAT) is an instant loan product for active account holders who have existing banking relationships with the Bank.
Accessible via our digital channels – dial *770*08# for USSD and Fidelity Bank IVY on WhatsApp – 090-3000-0302 and Facebook.
- Maximum loan amount – ₦100,000
- Tenor – 30 days
- Interest rate – 4.5% flat
- Loan extension for another 30 days (only once)
- Restructuring fee – 0.5%
- Instant loan/credit disbursed into Fidelity Bank account
- No collateral required
- No guarantor required
- No hidden fees
For more information on the T&Cs, click here
FAST LOANS
Migo Loan
Migo is a micro loan service that provides instant access to loan disbursed directly to a customer’s account with no documentation required. It can be accessed via our digital banking channels: USSD – *770*08# & FastLoan App on the Google Play or Apple stores.
| Details | Terms & Features of Migo Loan |
|---|---|
|
Interest |
Determined by customer’s credit score |
|
Fee |
None |
|
Tenor |
Determined by customer’s credit score |
|
Collateral |
No |
|
Eligibility |
|
For more information on the T&Cs, click here
These Fast Loans are accessible via our digital channels – USSD (*770*08#), Fidelity Bank IVY on WhatsApp (090-3000-0302) and Facebook.
You can also download the Fidelity Online Banking App on Google Play or Apple Stores to get started.
PERSONAL LOAN
Fidelity Credit Card
The Fidelity Visa Credit Card is a revolving credit product designed
to meet your immediate financial needs while giving you the flexibility to pay back with absolute ease.
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