IPPIS Loan Codes: How To Apply For IPPIS Loan


Are you looking for quick loan with ippis number on the IPPIS portal?

The Integrated Personnel and Payroll Information System (IPPIS) is an automated system introduced by the Nigerian government to enhance transparency and efficiency in the payment of salaries and wages to public servants. Alongside regular payments, the IPPIS platform also facilitates the administration of loans for public sector employees.

In this blog post, we will delve into the concept of IPPIS loan for federal government employees, exploring their purpose, significance, and how they function within the IPPIS system.

What is IPPIS Loans

IPPIS loans refer to financial assistance provided to Nigerian civil servants through the IPPIS platform. These loans are designed to offer temporary financial relief to employees facing various challenges, such as personal emergencies, education expenses, healthcare needs, or even for investment purposes. IPPIS loans are deducted from the employee’s monthly salary over a specified period until the debt is fully repaid.

Significance of IPPIS Loan

IPPIS loan codes play a crucial role in the administration and management of loans within the IPPIS system. Each loan type is assigned a specific code, allowing for easy identification and tracking of loans throughout the repayment process. These codes help differentiate between the various loan categories and ensure accurate deductions are made from employees’ salaries.


Types of IPPIS Loans

  1. Emergency Loan (Code EL): Emergency loans are granted to civil servants to address unforeseen circumstances that require immediate financial attention. These could include medical emergencies, natural disasters, or any urgent situation requiring financial assistance.
  2. Rent Advance Loan (Code RL): This loan is aimed at assisting employees in paying their rent. It provides the necessary funds upfront, which are then repaid in installments deducted from the borrower’s salary.
  3. Vehicle Loan: Vehicle loans are specifically designed to help civil servants purchase or repair their vehicles. The loan amount is repaid over a specified period through salary deductions.
  4. Education Loan: Education loans are granted to public sector employees to support the education expenses of themselves or their dependents. This can include tuition fees, educational materials, or any related educational costs.
  5. Cooperative Loan: Cooperative loans are provided to civil servants who are members of a cooperative society. These loans enable members to access funds for investment, business ventures, or personal development.
  6. Asset Acquisition Loan: Asset acquisition loans assist employees in acquiring assets such as land, houses, or other valuable properties. The loan amount is repaid through deductions from the borrower’s salary.

How To Apply? Process of obtaining an IPPIS Loan

  1. Application: To obtain an IPPIS loan, eligible civil servants must submit a loan application through the IPPIS portal www.ippis.gov.ng. The application should include relevant personal and loan-specific details.
  2. Verification and Approval: Once the loan application is submitted, it undergoes a verification process to ensure the applicant meets the required criteria. After successful verification, the loan request is forwarded to the appropriate approving authority.
  3. Loan Disbursement: Upon approval, the loan amount is disbursed to the borrower’s designated account. The employee will receive a notification regarding the successful transfer of funds.
  4. Repayment: Loan repayment begins from the subsequent month’s salary. The loan code associated with the particular loan type determines the amount to be deducted. These deductions continue until the loan is fully repaid, usually in installments over an agreed-upon period.

Documents required for IPPIS loan in Nigeria

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

Frequently asked questions

What is the USSD code for Ippis loan?

IPPIS loan, the application process, and approval is carried out on the official IPPIS portal. There’s currently no USSD code for IPPIS loan.

Can I apply for multiple IPPIS loans simultaneously?

Yes, you can apply for multiple IPPIS loans simultaneously, provided you meet the eligibility criteria for each loan type. However, the approval of multiple loans depends on your organization’s policies and loan availability.

How long does it take to receive the loan funds after approval?

Once your loan application is approved, the funds are typically disbursed to your designated account within a few days. The exact timeline may vary depending on your organization’s processes and the workload of the loan administration department.

How are IPPIS loan deductions calculated?

IPPIS loan deductions are calculated based on the loan amount, interest rate (if applicable), and the agreed-upon repayment period. The loan code associated with your loan type determines the specific deduction amount, which is then deducted from your monthly salary until the loan is fully repaid.

Can I repay my IPPIS loan before the agreed-upon repayment period?

Yes, it is possible to repay your IPPIS loan before the agreed-upon repayment period. However, you should check with your organization’s loan administration department to understand the specific procedures and any potential penalties or charges for early repayment.

What happens if I default on my IPPIS loan?

Defaulting on an IPPIS loan is a serious matter and can have consequences. Your organization’s policies will determine the actions taken in case of default. Generally, continuous default may result in additional charges, penalties, or legal actions, which can impact your creditworthiness and future loan eligibility.

Are IPPIS loans interest-free?

IPPIS loans may or may not carry an interest rate, depending on the loan type and your organization’s policies. Some loans, such as emergency loans, may be interest-free, while others, like vehicle loans or cooperative loans, may have an interest component. It’s essential to carefully review the loan terms and conditions to understand the interest implications.

Can I track my IPPIS loan repayment progress?

Yes, you can track your IPPIS loan repayment progress through the IPPIS portal or by contacting your organization’s loan administration department. They can provide information on your remaining loan balance, the number of installments left, and any other relevant details.


IPPIS loan codes are an integral part of the Nigerian government’s efforts to provide financial assistance to civil servants through the IPPIS platform. These codes streamline loan administration, ensuring accurate tracking, and enabling hassle-free repayment. By understanding the different IPPIS loan codes and their purpose, public sector employees can better navigate the loan application process and avail themselves of the financial support they