ippis loan

Most civil servants don’t know how to obtain an IPPIS loan in Nigeria. If you’re a civil servant or even if you’re a Nigerian, you should take this article seriously.

If you’re a civil servant looking to get an urgent loan, you can easily apply for the IPPIS loan with your IPPS number. In this article, we will discuss extensively how to obtain an IPPIS loan, the requirements, and the process involved.

Finally, we will answer some of the most frequently asked questions you may have. Stay tuned and pay close attention.

An Overview Of IPPIS Loan And What It’s All About

IPPIS stands for Integrated Payroll and Personal Information System. This system is a system that the federal government of Nigeria designed to help regulate the flow of work salaries across all the government agencies and intergovernmental Facilities across the country.

Fundamentally, this system was created to provide workers with timely salary remittances and third-party payment deductions.

In addition, this governmental agency gives out IPPS loans to different governmental works from period to period. As a government worker, you can quickly get access to get this loan and get approved if you apply for it.

Who Is Eligible To Apply For This IPPIS Program?

Those who are eligible to apply for this program are only workers who are employed in different government agencies and departments. If you’re not among these people, you cannot apply for an IPPS loan.

This lets the government deposit pay slips into the workers’ bank accounts quickly. Although most times you may be a government worker, if you don’t meet all the requirements, your loan will not be approved.

So, in addition to you being a government worker, you need to meet all the requirements.

How To Apply For An IPPIS Loan

To apply for an instant loan from the IPPIS loan, you must follow these simple, easy steps; remember that you must follow the latter; if not, your loan will not be approved. Follow through these steps serially.

  1. Visit their official website, which is www.ippis.gov.ng
  2. Next, click on apply for an enrollment
  3. After that, you can quickly go ahead to apply for the loan through your state Headquarters using your IPPIS number.

You can easily compare interest rates from different platforms and get the best of them. Making a good and informed decision requires additional other loan offers before making a buying commitment.

What Documents Do You Need To Apply For IPPIS Loan In Nigeria?

To apply for and get access to a loan from IPPIS, you need the following documents, which you must provide. If one is missing, you need to go to the approved office and get yours; without it, your loan will not be approved.

  • Your IPPIS number
  • Bank statement of your account
  • Salary payslip
  • Your bank verification number
  • You need to provide your employment/ deployment letter and confirmation
  • Working ID card
  • A valid national ID card

What Are the Eligibility Requirements For The Loan?

For you to be able to obtain a loan from IPPIS, you have to fulfill the following requirements; each requirement you do not meet will make your loan not be approved, and this is why you must take this article seriously.

  • You must have and provide an excellent credit history. This means that you must not be indented to any loan agency or platform across the nation.
  • You must be an active federal government worker in Nigeria
  • The loan you intend to borrow must not be above 70% of your entire salary.
  • You must meet all the requirements for the loan.

What Is The Maximum Amount Of Loan One Can Access On The IPPIS?

The amount of loan you can apply for and get on the IPPIS platform depends on how much you earn. However, you cannot obtain a loan that is 70% of your entire salary. This is because you can repay before the end of your tenure.

Read Also:  List Of Mfb Loan App In Nigeria

Another thing that you must consider before applying for the IPPIS loan is your creditworthiness. If you have any outstanding debt with any of the loan apps or loan platforms anywhere, you have to pay it back before thinking of applying for the IPPIS loan.

This is the first and foremost thing you must do before applying for a loan; if not, it will not be approved.

As a civil servant, you can easily apply for an IPPIS loan through your state Headquarters. Fundamentally, all you need is to get your IPPIS number and other documents that are required for your loan application to be approved.

However, you must pay off outstanding debts to be able to be considered and get approved for any loan.

If you try to exceed 70%, your loan will not be approved; this is because you may not be able to pay back at the agreed time.


Currently, the IPPIS loan has no USSD code. You can only access this loan through the process we outlined above.

However, ensure that your documents are complete and ready. We shall update you swiftly on any changes.

How To Contact IPPIS

There are different ways to contact IPPIS, and they are

  • Address office of the accountant general of the federation, treasury house, ladoke Akintola Boulevard, Garki 11, Abuja
  • Phone number: +2349087005735
  • Email address: support.ippis.gov.ng
  • Website: ippis.gov.ng

Frequently Asked Questions

In this section, we’ve answered some of the frequently asked questions on this section. Go through it carefully and get answers to some of your questions.

How can a civil servant get a loan?

It would be best if you add recent passport photographs that are clear enough

A valid means of identification that can help verify who you are, some of them are your national identity card, permanent voter’s card, Driver’s license, or international passport; either of these can serve

Your recent payment slip

Your loan application letter is well written down

A two-guarantee with one recent passport for each of the guarantors.

How do I register for IPPIS?

The first and foremost is for you to be a bonafide government worker, employed in line with prescribed public service rules. You must be not less than 18 years old and not more than 50 years old. Then go on to their website, apply for a loan and make sure you’ve met all the requirements; you will be approved.

How much loan can a civil servant get?

As a civil servant, you can get loans that are up to 10 times your net salary. But before you can get approved for this loan, the app must screen you to ensure you can pay it back.

Can I use my BVN to borrow money?

If you’ve asked yourself this question, can you borrow money with your BVN? The answer is no. Your BVN can get blocked by the Central Bank of Nigeria. However, if and when you fail to pay your loan, your identity will be reported to the national credit bureaus.

What are the benefits of IPPIS?

The benefit of IPPIS is numerous; some of them are

  • Accuracy
  • Reduction and the elimination of corrupt and sharp practices
  • Facilitation of modern scientific and accurate budgeting and forecasting. These are the significant benefits of IPPIS
  • Fast payment system for government workers
  • Transparent and quick loan approval for qualified candidates.
  • Easy to navigate to the point that anyone with sufficient internet knowledge can navigate and apply.

How Do You Find Your IPPIS Reference Number?

For you to be able to get your reference ID and token, you need to contact the headquarters in your region. You need to get your reference ID and token before starting your online registration and data capturing.

Who is the owner of IPPIS?

The Federal Government Integrated Payroll and Personal Information System (IPPIS) was incepted in October 2006 by the federal government of Nigeria as one of its reform programs; the aim of this was to significantly improve the effectiveness and efficiency in the storage of different personal records and administration of monthly payroll in such a way to enhance and increase the confidence in staff.

Do government employees get loans easily?

Yes, every government worker or employee that works for the government, whether in the central status or the public sector, can easily obtain a loan from the IPPIS platform. But you must provide all the requirements to get approved even after being a government worker.

What are the loans available for government employees?

Numerous loans are available for government workers. FEEA offers eligible federal employees confidential, no-interest loans which help them bridge their financial gaps in different times of emergency.

FEEA has given over 13,000 no-fee, no-interest loans since 1986 to support the Federal Government to make ends meet during personal tragedies like illness, death, and house fire.

Can you reapply if your loan is not approved?

When you apply for a loan through the IPPIS platform, you’re not approved. You can reapply, but before you reapply, you must ensure that you have provided and kept all the requirements that will enable your loan to be approved.

In addition, you must make sure you do not owe any loan platforms across the country. If you do, your loan will not be approved.

Bottom Line

We have come to the end of this article. We are confident that you are grounded on what an IPPIS loan is and how to apply for one. Do not allow your finances to get you choked. We wish you the best.