When unexpected expenses arise, finding quick financial help can be a challenge. First City Monument Bank (FCMB) offers a solution through its FastCash Loan, a paperless, instant loan designed to meet emergencies and urgent needs — with no collateral or guarantor required.
Whether you need money for medical bills, school fees, or an urgent purchase, FCMB FastCash provides an easy way to access up to ₦400,000 directly to your bank account.
In this article, we’ll explain how to qualify for FCMB FastCash Loan, who is eligible, and how you can apply instantly using the FCMB Mobile App or USSD code.
What Is FCMB FastCash Loan?
FCMB FastCash is a short-term, instant loan that gives you quick access to funds without the usual stress of paperwork, collateral, or lengthy approval processes.
You can apply using the FCMB Mobile App or by dialing the USSD code *329*11#, and funds are disbursed within minutes once approved.
Benefits of FCMB FastCash Loan
- Instant access to funds – money hits your account in minutes.
- Loan amount up to ₦400,000 – enough to handle emergencies or urgent needs.
- No paperwork – fully digital application via app or USSD.
- No guarantor or collateral required – anyone with an eligible FCMB account can apply.
- Available 24/7 – apply anytime, anywhere.
- Loan top-up available – you can borrow again even before repaying fully, if you’re eligible.
- Flexible repayment period – up to 90 days for returning customers.
- Multiple applications allowed – apply as often as you qualify.
How Do You Qualify for FCMB FastCash Loan?
To be eligible for FCMB FastCash Loan, you must meet a few simple requirements:
For FCMB Customers
- Must have an active FCMB account – either savings or current.
- Account must be at least 3 months old.
- A good transaction history – the more active your account, the higher your approval chances.
Tip: Maintain regular deposits and transactions on your FCMB account to improve your loan limit over time.
For Non-FCMB Customers
Currently, FastCash Loan is ONLY available to FCMB customers.
But don’t worry! You can still access the loan by opening an FCMB account:
- Download the FCMB New Mobile App
- Or dial
*329#to open an account instantly.
Once your account is opened and active for at least 3 months, you can apply for FastCash.
How to Apply for FCMB FastCash Loan
There are two easy ways to apply:
Using the FCMB Mobile App
- Download and log in to the FCMB New Mobile App.
- Navigate to Loans > FastCash.
- Enter your desired loan amount (up to ₦400,000).
- Submit your request – funds will be credited instantly if approved.
Using USSD Code (No Internet Required)
- Dial
*329*11#on your mobile phone. - Follow the on-screen instructions.
- Enter the loan amount and confirm.
- Money is sent to your FCMB account instantly.
What’s the Repayment Period for FCMB FastCash Loan?
- First-time borrowers – typically get a 30-day repayment period.
- Returning customers – may qualify for up to 90 days repayment and higher loan limits.
FCMB automatically deducts repayment from your account on the due date, so ensure your account is funded to avoid penalties.
Why Choose FCMB FastCash Loan?
- Convenience: No collateral, paperwork, or guarantor needed.
- Speed: Loan disbursement is instant — perfect for emergencies.
- Flexibility: Apply multiple times and even top up existing loans.
- Accessibility: Works via mobile app or simple USSD — no need for internet access.
Final Thoughts
If you’re looking for a quick, stress-free loan option in Nigeria, the FCMB FastCash Loan is a fantastic solution.
Open an FCMB account (if you don’t already have one).
Maintain regular transactions for at least 3 months.
Dial *329*11# or use the FCMB app to apply for your instant loan.
With up to ₦400,000 available and no collateral required, FCMB FastCash is an easy way to handle urgent financial needs.
