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Fidelity Point of Transaction (POT) Loan

Fulfil your personal goals with our Point of Transaction (POT) Loan


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.

Requirement & Eligibility

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

Terms & Features

Tenor – 14 days

Loan Amount – Up to N10,000


Non-Fidelity customers whose salaries are processed via payroll companies like REMITA, Tenece, Veripay, e.t.c can access the loan by opening an account and dialing the USSD *770*08#

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What is Digital Personal loan?

It is a digital loan targeted at salary earners who meets the Bank’s eligibility criteria.

What is the tenor for the Digital Personal loan

12 months

How do I request for a digital personal loan?

Request is made by dialing the USSD code *770*08#

How much can I get with Digital Personal Loan?

You can get Up to 40% of net Annual salary subject to a maximum of N5m

What are the rates/fee for the Digital Personal Loan?

Interest rate is 2% per month or 24% per annum, Management Fee of 1% and Insurance Fee of 1.5%

Can I pre-liquidate my Digital Personal loan?

Yes. Customers are at liberty to pay off their facility at their convenience

How can I liquidate my Digital Personal Loan?

You can liquidate by dialing the USSD code *770*08# and select pay loan option

Can Non-Fidelity customers access a Personal loan?

If your salary is processed via Remita, Tenece, E-tranzact, veripay you can apply for a Personal loan. Please note that you need to open a Fidelity bank account for the loan to be disbursed.

More from Fidelity Point of Transaction (POT) Loan

Terms & Conditions

For more information on the T&Cs, click here

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