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Here’s How to Apply for Payday Loans in Nigeria Without Salary Account

One of the most frustrating feelings for any salary earner is to find themselves stuck in the middle of a pay cycle in need of emergency funds to cover an unexpected expense. Getting urgent financial help in such situations can be difficult and even awkward like asking your boss at your new job for a salary advance or calling that old friend to urgently transfer you some cash. So, what’s the best option to get emergency cash before your salary is paid? We recommend payday loans!

What is a Payday Loan?

It is a short-term financing solution offered by many financial institutions to salary earners allowing them to access a portion of their monthly income ahead of time with the condition of paying it back once their next paycheck arrives.

Can I apply for Payday Loans Without Salary Account?

Yes, unlike many banks which often require you to have a salary account in their bank, the CIT Microfinance Payday Loan is a great alternative as we do not make this a condition to be eligible for a salary advance. The general requirement to qualify for a payday loan is to have a consistent monthly income from a recognized organisation.

How to Apply for CIT Microfinance Bank Payday Loans?

Applying for a loan with CIT Microfinance Bank is very simple. If you’re an employee of the any of Federal and State Government offices listed here, you can begin a Salary loan application by visiting and fill the form provided. For other applicants here is a step-by-step guide to your salary loan application.

STEP 1: First, you will need to meet the following requirements:

  •  Be at least 18 years of age
  •  A valid BVN
  •  A personal email account
  •  A personal bank account
  •  A Debit Card with at least 3 months of validity

STEP 2: ​​Next, you will need to verify your identity. You can do this by uploading your an accepted Identification document, your Utility Bill and Bank Statements. 

STEP 3: Once your identity has been verified and your application approved, you can expect to receive funds within 48 Hours.

Got an urgent need that can’t wait till the next salary deposit? Start your Payday loan application today, visit today.