Our Personal Term Loan will help you meet your needs. You don’t have to worry about medical bills, school fees, asset acquisition or setting up that small scale business.

Apply today and enjoy a flexible repayment plan.

  • Access up to 70 million
  • Flexible and convenient monthly repayment over a period of 60 months
  • Repayment from salary domiciliation or business proceeds
  • Competitive interest rate
  • No collateral Required
  • Offer is available on VULTE (Simply click here to begin your application)

  • You must be a confirmed staff of a reputable organization in private or public sector
  • Domiciliation of Salary with Polaris Bank

*Terms and conditions apply

  • Visit any Polaris Bank branch closest to you to complete a loan application form
  • Submit duly completed loan form with all relevant loan documents.
  • Loan is processed and disbursed within 48 hours

You can also:

  • Call YES CENTER on 0700-POLARISBANK (070075932265), 08069880000, 01-4482100 or 01-2705850.
  • Call your relationship officer.
  • Apply on VULTe

Get a USSD Personal Term Loan in minutes!

Just dial *833*4*4# to get started.



  • Minimum loan amount of N50,000
  • Maximum Loan amount of N1,000,000
  • Flexible repayment plan
  • Competitive Pricing
  • No equity contribution is required.
  • Loan disbursement in less than 60 seconds
  • Minimal documentation required
  • Unsecured borrowing
  • Tenor; up to 6 months
  • Can be used to finance holidays, trips/getaways, school fees, shopping, rent, medical fees, funerals, children’s welfare, pre-owned cars, etc.

We are excited to welcome you into the Polaris family. Click below to get started