Device Financing

MTN device finance provides a convenient and affordable means of upgrading your mobile device.

For as low as N9,050 monthly, you get a brand-new smartphone, inclusive of a data bundle, SMS, and voice minutes monthly.

Get a smartphone when you subscribe to a special plan

  • Free phone replacement when stolen
  • Free Screen replacement
  • Terms and conditions apply

Available at select MTN and Partner stores.

See Partner Stores and FAQs below:


Get the new Samsung S22 series and pay N42,500 in monthly instalments for 12 months.

Powered by Access Bank.


Samsung Galaxy S22, 5G+256+8GB


5G 256+8GB, 5G 256+12GB, 5G+512+12GB

Q. What is Device Finance?

A. It is a small asset financing digital loan product for salary earners who meet the Bank’s lending risk acceptance criteria. This loan allows customers to purchase goods and services under an instalment payment arrangement.

Q. What is Device Finance x Samsung Galaxy S22 Series Campaign?

Access Bank has partnered with Samsung for the release of the Samsung Galaxy S22 series. Through this scheme Access Bank salaried customers can get a Device Finance loan, with a 50% discount on the interest rate. Through this campaign, non-Access Bank salaried customers can also get the discounts and freebies (i.e. Samsung Buds 2, travel chargers, etc.) on every purchase of the Samsung Galaxy S22 series and Tab S8 devices without a loan.

Q. How do I know if I qualify for Device Finance?

A. Device Finance loans are currently only available to customers with an active Access Bank salary account. If you have an Access Bank salary account, you still may not be approved for the loan if you fail to meet any of the other lending criteria set by Access Bank.

Q. What can I get with Device Finance?

A. You can choose any of the smartphones on the QuickBucks app or website. Select Device Finance to see all the brand-new smartphones available to you, based on your maximum loan amount.

Q. How do I request a Device Finance loan?

A. Sign up for a QuickBucks account then request a Device Finance loan via. See below for steps:

  • Download the Quickbucks app from your app store
  • Enter your email address and BVN linked phone number
  • An OTP will be sent to you via SMS for verification. Upon verification, create an app password (used to log into the app) and PIN (used in transacting)
  • Input personal details such as location, address, name, salary account name and number, BVN etc. Then agree/consent to terms and conditions
  • Click on the ‘device finance’ console. Select the phone of your choice and fill in required details
  • Click on ‘get this device’. Accept the T&C
  • Customer receives a transaction code via mail with other requirements for pickup of device (selected MTN Service centre)

Q. Does my salary account have to be in Access Bank before I can apply for Device Finance?

A. Yes, your account needs to be in Access Bank and needs to be active for at least three (3) months.

Q. What is the interest rate for a Device Finance loan?

A. The interest rate for Device Finance is 13.5% flat per annum, which comes to approximately 1.1% monthly.

Q. What is the repayment period for Device Finance?

A. 12 months (360 days)

Q. How much can I get with Device Finance?

A. The maximum amount (i.e., eligible amount) you are allowed to borrow is subject to your annual salary and is displayed when you sign into the QuickBucks app or website.

Q. How much equity contribution is required with Device Finance?

A. The Device Finance x Samsung Galaxy S22 Series campaign does not require equity contribution – buy now and pay later!

Q. How much salary should I earn to qualify for Device Finance?

A. You must earn a minimum salary of ₦40,000 for the Device Finance x Samsung Galaxy S22 Series campaign.

Q. What can prevent me from qualifying for Device Finance?

A. You may be denied a Device Finance loan for the following reasons:

  • If you have any outstanding loan(s) in Access Bank or other banks.
  • If you apply using a phone number that is not linked to your BVN.
  • If there is no evidence that you received salary payment in the previous month.
  • If you have taken another digital loan and exceeded your eligible amount.
  • If you have an existing loan and the monthly repayment is higher than your eligible amount.

Q. What if I have other existing loans, can I still get a Device Finance loan?

A. If you have existing loans, your monthly repayment(s) (equated monthly instalment – EMI) will be used in calculating your maximum loan amount. Your maximum loan amount is calculated as 30% of your annual salary, less any monthly loan repayments. If the monthly repayment is higher than your monthly repayments, you will not be able to take a Device Finance loan.

Q. How long does it take to get a loan?

A. You can pick up your device anytime within 3 working days after your successful request. You can pick up your device from any of our partner outlets across the country. During the request process, you will be asked to select your preferred pick-up location from a list of partner outlets.

Q. How many times can I request a loan?

A. As many times as you may like if you have not exceeded your eligible amount.

Q. When is the Device Finance loan due for repayment?

A. Your Device Finance loan will be repaid in twelve monthly instalments every 30 days from the day the loan was taken, and the repayment amount will be automatically deducted from your account, subject to your selected repayment period.

Q. Can I repay my Device Finance loan early?

A. You can pay off your loan before the scheduled repayment date. To do so, call Access Bank on +234 700 300 0000; send an e-mail to; or visit any Access Bank branch to pay off your loans.

Q. What happens if my account is not funded for repayment on the due date?

A. The loan amount will be deducted from any funds entering your account. If the loan is overdue, a deduction will be made from any account linked to your BVN.

Q. Is there any penalty for not repaying the loan on time?

A. You will be charged 1% of the outstanding loan amount per month, 31 days after the loan due date.

Q. Are devices under the campaign covered by warranty?

A. Yes, devices are covered by the Samsung warranty. Although, this does not include physical and water damage. However, through the campaign, customers are offered discounts on screen repairs with Samsung Care+.

Q. Are devices under the campaign covered by insurance?

A. No, devices are not insured. Please insure your devices against theft and physical and water damages.

Q. Is the Device Finance smartphone financing scheme available to all mobile networks?

A. Device Finance smartphone financing is available to customers on all mobile networks. However, you can enjoy added value benefits when you opt-in for an MTN airtime and/or data package.

Q. Am I obligated to select the monthly airtime bundle offer with the Device Finance smartphone financing loan?

A. The monthly airtime bundle is optional and available to MTN users.

Q. Will the Device Finance smartphone financing airtime credited be rolled over if unused within the month?

A. Unused airtime will be rolled over every month.

Q. Can the airtime be used to buy data or call other networks?

A. Yes, you can call other networks and convert airtime into data if needed.

Q. What happens if the asset I picked up/delivered is faulty?

A. Please check and confirm that your device is sealed and not tampered with at the point of collection. If you receive a faulty device, send in a complaint within 48 hours of collection. Only devices that are found to be defective at the point of collection will be replaced within 14 – 21 working days.

Q. Are there other instant digital loans for salary earners with longer repayment plans?

A. Yes, there are. Please see the table below for other instant digital loan products available.

Loan Type Available to Loan Amount Repayment Plan Pricing
PayDay Loan (PDLP) Salary account holders with Access Bank Up to 75% of monthly salary Against next salary payment or 30 days (whichever comes first) Interest 5% Management fee 1% Credit Life Insurance 0.3%
Other bank customers whose salaries are processed via Remita Up to 50% of monthly salary, but subject to a max. of 500,000 Against next salary payment or 30 days (whichever comes first). Your repayment will be deducted from your next salary and taken from your other bank account Interest 6% Management fee 1% Credit Life Insurance 0.3%
Salary Advance (SADV) Salary account holders with Access Bank who earn a minimum of N50,000 Up to 200% of monthly salary 180 days with repayment over six (6) monthly installments Interest Rate: 3.9% (on reducing balance) Management Fee: 1% Credit Life Insurance: 0.7%
Small Ticket Personal Loan (STPL) Salary account holders with Access Bank who earn a minimum of N100,000 Up to 400% of monthly salary 365 days with repayment over twelve (12) monthly installments Interest Rate: 3.7% (on reducing balance) Management Fee: 1% Credit Life Insurance: 1%

*Please note that all fees will be taken upfront at the point of disbursal

Still have questions? For more information, unresolved and/or eligibility issues, please contact the Access Bank Contact Center on 07003000000 or visit your nearest select MTN Service Centre below:

S/No Shop Names New Shop Names Contact Address
1 Abuja Sc MTN Service Centre Abuja Plot 2784, Shehu Shagari Way,Maitama, Abuja
2 Kaduna Sc MTN Service Centre Kaduna 1/4 Bank Road, Off Ahmadu Bello Way, Kaduna
3 Transcorp Sc Lite MTN Service Centre Lite Transcorp Transcorp Hilton Lobby, Abuja
4 Kano Sc MTN Service Centre Kano No. 2, Civic Centre By Post Office Kano
5 Sokoto Sc MTN Service Centre Sokoto No 6 Sulatan Abubakar Road, Sokoto Nigeria
6 Asaba Sc MTN Service Centre Asaba Km 129 Benin Asaba Expressway, Asaba
7 Enugu Sc MTN Service Centre Enugu 34 Zik Avenue Uwani Enugu
8 Port Harcourt Sc MTN Service Centre Port Harcourt 234B, Aba Expressway Opp Hannah Fast Food Port Harcourt
9 Ibadan Sc MTN Service Centre Ibadan Nos 1, Olubadan Avenue, Mtn Ibadan Regional Office
10 Ibadan 2 Sc MTN Service Centre Ibadan 2 Opp Neco Building, Idi Ape, Agodi Gate, Ibadan
11 Ikeja Sc MTN Service Centre Ikeja 1 Opebi Road, Ikeja, Lagos
12 Ikoyi Sc MTN Service Centre Ikoyi 4 Aromire Road, Off Kingsway Rd, Opposite Ikoyi Hotel,
13 Matori Sc MTN Service Centre Matori 16 Fatai Atere Way, Matori, Oshodi, Lagos
14 Yello City Sc MTN Service Centre Yhello City 1267 Adeola Odeku, Victoria Island, Lagos
15 Mma2 Sc Lite MTN Service Centre Lite Mma2 Muritala Mohammed Airport 2 Departure Lounge, Ikeja, Lagos.
16 MP Lite MTN PLaza Lite Mtn Plaza, No 1 Awolowo Rd, Falomo, Ikoyi , Lagos



Device Financing

Inspire U5 Plus Bundle + Nokia, Itel, Tecno

1GB, 16GB, 3G - 4G, 2200-4000mAh, 5MP, 2-5MP

Device Financing

New ISL 1 Bundle + Nokia, Itel, Tecno

1-2GB, 16GB, 3G - 4G, 2200-4000mAh, 5MP, 2-5MP

Device Financing

New ISL 2 Bundle + Nokia, Itel, Tecno, Infinix

2GB, 16-32GB, 4G, 3000-5000mAh, 5-8MP, 2-5MP

Device Financing

New ISL 3 Bundle + Nokia, Tecno, Infinix

3GB, 32-64GB, 4G, 3000-6000mAh, 8MP, 5-8MP

Device Financing

New ISL 5 Bundle + Samsung, Tecno, Infinix

4GB, 64-128GB, 4G, 4000-6000mAh, 8-16MP, 8MP

Q. What is MTN – Intelligra Bundle?

A. This is a novel service that enables you subscribe to a bundle From MTN that contains Data, Voice, SMS & a “free” Device. The bundle is in form of a contract which you subscribe to monthly for an agreed number of months ranging from 6 – 12 months.

Q. How much am I required to make monthly for each of the duration?

A. The required amount and device are subject to the credit limit assigned, as approved by the financial institution.

Q. Who can qualify for this offer?

A. Customers on the MTN network have been pre-qualified for the bundle. You would have received an SMS from MTN indicating that you have been prequalified for the offer. Customers who successfully complete an application in-store will walk out with the Bundle.

Q. How much is the MTN – Intelligra Bundle?

A. The bundle starts from as low as N7,000/month which includes Data, Voice + a “Free” Smartphone for a range of 6 – 12 months with the first month bundle price paid upfront

* kindly note that for the required duration signed up for (12-month, 9-month or 6-month), you will not be able to use any other telco network SIM in the SIM one until you have successfully completed the payment plan signed up for. Immediately, after completion, the device will be opened for life. Here you are allowed to use any choice network SIM in either SIM one or SIM two.

Q. What do I get for the Monthly Commitment?

You will receive for each month the following:
Free Device replacement when stolen*
Free Screen replacement when broken*

*Terms & Conditions Apply

Q. What do I need to get the Bundle?

A. Once you get an SMS that you qualify for the bundle, you are required to visit the nearest participating store with the following list:

    1. Prequalification in the MTN system
    2. Identity Card: National Identity Card
    3. BVN (Bank Verification Number): Dial *565*0#
    4. First month subscription fee
    5. Down payment (where applicable)

Q. How do I remit the monthly commitment?

A. By recharging your MTN number with the bundle fee monthly through the Customer360 app. This app is installed into your choice device and would be set up for you at the point of sales right before you leave the store. Please see Pictorial guide below,

    1. Open your Customer360 app, Click the 3 lines beside the Home icon and select account Top-up
    2. Enter your recharge pin and select Fund account’’
figure 1
figure 2

You will also be able to make your monthly payment by recharging your main account. Kindly note that only your full monthly payment can be made with either your dedicated Customer360 account or main account.

Q. Can I make my monthly commitment in advance?

A. Yes! Just open the customer360 app and recharge anytime as shown above OR dial *812*PIN# on your financed smartphone.

Q. What happens if I don’t meet my monthly commitment?

A. Your phone will be locked. You will not be able to make calls or use any phone functionality aside from Emergency call, switch on mobile data/ Wi-Fi & Customer360 app
Figure 3

Q. How do I unlock my phone?

A. By recharging your line with your monthly bundle commitment and this can be done through the lock screen by opening the Customer360 app as show above OR by activating the self-unlock.

Q. How do I locate your service center if I want to repair my phone?

A. Our service center is located at No. 15 Ola Ayeni Street, Computer Village, Ikeja. Lagos State. Nigeria. You can chat with any of our available customer service agents via the Customer 360 app on your phone and lodge any complaints you might be facing as show below

    1. Open your Customer360 app, Click the 3 lines beside the Home icon and select Customer service
    2. Click the + Sign, create a message and send to our customer service team
figure 4
figure 5

Q. How do I complete my payment when there is an unfortunate case of phone theft/lost?

A. In a situation where our customer phone is reportedly stolen* or lost*, there is a one-time offer to replace your phones. The customer is expected to report to Intelligra office with a copy of the following;

    1. Police report
    2. Sworn affidavit
    3. Receipt of purchase
    4. Any valid means of ID

*Covers a one-time replacement of either device or damaged screen and not both.

Q. Is there warranty for the Devices?

A. Yes, there is 12months Manufacturer’s Warranty for the Devices**

**Terms &Conditions Apply

Q. Can I activate a Fresh number on the premise of my Pre-Qualified SIM?

A. No, only your existing registered SIM can be used to enroll for the scheme.

Q. What if I forget to make my monthly commitment?

A. The Phone is locked up and can only be unlocked when you recharge your monthly commitment

Where you still can’t find the answer to your question, kindly drop us an email at

Admor Link 18B, Lalubu Road, Opposite Glo Office Okeilewo Ogun SW
Avix Mobile Devices Calabar Calabar Road, Calabar Cross River SS
Callus Miller /Gra Plot 30/33,Sani Abacha Road, Autograph Plaza, Gra Phase 3, Port Harcourt. Rivers SS
Callus Miller /Rukpoku Market Square, By New Road Round About, Rukpoku, Port Harcourt. Rivers SS
Callus Miller 1 46B, Okporo Road, Artillery, Port Harcourt Rivers SS
Callus Miller 2 46 Okporo Road, Artillery, Port Harcourt Rivers SS
Callus Miller By Presidential 194 Phc-Aba Road, Opposite Presidential Hotel, Port Harcourt Rivers SS
Callus Miller/Ada George 9 Ada George Road, Same Plaza As Market Square Supermarket, Phc Rivers SS
Cema Onitsha 6B New Market Road Anambra SE
Damiano Phone World Shop 1 22 Road Junction Off Agboju Market Festac Town Lagos LAGOS
Fine Brothers (Enugu Spar Mall) Shop 2, Enugu Mall (Spar) Enugu SE
Fine Brothers Abakiliki (Roban Stores) Shop 2, Roban Stores Shopping Complex Abakiliki Ebonyi SE
Fine Brothers Artillery P/H 43 Okporo Road, Artillery, Port Harcourt Rivers SS
Fine Brothers Awka (Guo Park) Guo Plaza Unizik Express Ebonyi SE
Fine Brothers Awka (Zik Avenue) 117 Ziks Avenue,Near Nepa Office, Opposite 6:30Pm Market Enugu SE
Fine Brothers Enugu (25 Polo Mall) Shop 25 Polo Mall Enugu SE
Fine Brothers Enugu (5 Polo Mall) Shop 5, Polo Mall Enugu SE
Fine Brothers Enugu (53 Polo Mall) Shop 53 Polo Mall, Gra Enugu SE
Fine Brothers Enugu (Okpara Avenue) No 50 Okpara Avenue Lagos SE
Fine Brothers Enugu (Old Intl T/Fair) Old International Trade Fair,Abakaliki Road Enugu SE
Fine Brothers Enugu (Railway) No 16 Railway Line Ogbete Main Market Enugu SE
Fine Brothers Nnewi Nnewi Nnobi Road Anambra SE
Fine Brothers Onitsha (38 Onitsha Mall) Shop 38 Onitsha Mall Anambra SE
Fine Brothers Owerri (34 Owerri Mall) Shop 34 Owerri Mall, Egbu Road Imo SE
Fonemart 71, Ibrahim Taiwo Road, Ilorin Kwara SW
Martcom 2, Ahmadu Bello Ways  Challenge, Ilorin Kwara SW
MTN  Oyingbo 173, Macauley Makoko Junction By Adekunle Oyingbo Lagos LAGOS
MTN Abuja Service Centre Maitama Maitama Street Abuja Abuja NC
MTN Adeola SC 1267 Adeola Odeku, Victoria Island, Lagos Lagos LAGOS
MTN Ado-Ekiti 2 CS No.11 Iyin Road, Beside Captain Cook, Ado Ekiti ,Ekiti State. Ekiti SW
MTN Ado-Ekiti CS Pnn House . Mr Biggs , Ado-Ekiti Ekiti SW
MTN Ajah CS 23 Lekki Epe Express Way Royal Cedar Plaza Ajiwe Ajah Opposite Fidelity Bank. Lagos LAGOS
MTN Ajegunle 39, Baale Street Boundry Ajegunle Lagos LAGOS
MTN Akure 3 CS Ricabim House,47 Oba Adesida Road, Akure Ondo SW
MTN Alaba 30, Alaba International Market Rd, Ojo Alaba Lagos Lagos LAGOS
MTN Allen 75, Allen Avenue Street Ikeja Lagos Lagos LAGOS
MTN Asaba Service Centre Km. 129, Benin – Asaba Expressway, Asaba, Delta. Delta SS
MTN Benin 2 CS 155 Sapele Road By Adesuwa Junction Edo State. Edo SS
MTN Calabar CS 72 Etta Agbor, Calabar, Cross Rivers Cross River SS
MTN Enugu Service Center Mtn Service Center, Shop 55 Polo Park Mall Enugu/34, Zik Avenue, Enugu Enugu SE
MTN Festac 23 Road By 72 Junction, Festac Town Lagos Lagos LAGOS
MTN Ibadan 2 Service Centre Mtn Office, Opposite Neco Office, Yidi, Agodigate, Ibadan Oyo SW
MTN Ibadan Service Centre Mobil Roundabout, Ring Road, Ibadan, Oyo Oyo SW
MTN Iju Cs 21, Agbado Road, Iju Ishaga  Lagos Lagos LAGOS
MTN Ikeja City Mall Ikeja Mail , Alausa Ikeja Lagos Lagos LAGOS
MTN Ikotun N0 4, Ijegun Rd Ikotun Alimosho Ikotun Lagos Lagos LAGOS
MTN Ikoyi SC No 4 Aromire Road Ikoyi Lagos LAGOS
MTN Isolo 28 Ire Akari Road Isolo Lagos LAGOS
MTN Marina 47, Marina Cms Lagos Lagos LAGOS
MTN Matori SC 16 Fatai Atere Way, Matori, Oshodi, Lagos Lagos LAGOS
MTN New Port Harcourt Service Centre 234B Aba Express Wayopp Hannah Fast Food, Port Harcourt Rivers SS
MTN Ogba 57, Yahaya Abatan Str, Ogba Ikeja Lagos Lagos LAGOS
MTN Ojodu Berger 16, Ogunusi Rd Ojodu -Berger Lagos Lagos LAGOS
MTN Osogbo CS Plot 456 Iwo Road By Fan Milk , Osogbo Osun SW
MTN Port Harcourt 4 CS 330 Aba Road Opposite Access Bank Close To Oil Mill Junction Rivers SS
MTN Sango 58, Idi Iroko Rd Sango Otta Ogun LAGOS
MTN Sc Ikeja 1 Opebi Road, Ikeja Lagos Lagos LAGOS
MTN Surulere No 81 Bode Thomas,Surulere Lagos LAGOS
Og Winners Awka 120 Ziks Avenue Dike Park Awka Anambra SE
Omoa Jodomo Ventures Nig Ltd C23, New Banex Plaza Wuse 11 Abuja Fct FCT NC
Pointek  (Med Rd) 6, Medical Rd Ikeja Lagos Lagos LAGOS
Pointek  (Surulere) 2, Adeniran Ogunsanya Str, Surulere Lagos Lagos LAGOS
Pointek (Alaba ) 34A, Alaba Int,Nl Rd Ojo Alaba Lagos LAGOS
Pointek (Broad Street) 11B Broad Street Lagos Island Lagos Lagos LAGOS
Pointek (Ikeja City Mall) Shop L28, Ikeja City Mall Lagos LAGOS
Pointek (Ikotun) 47, Ikotun Idimu Road Nepa Bustop Lagos LAGOS
Pointek Owerri Shop 23, Owerri Mall Imo SE
Premium First Yisab  (MTN Shomolu) No 58 St Finbars College Road Akoka Lagos Lagos LAGOS
Promo Tower Lafenwa 2, Lagos Road, Adjacent Lafenwa Police Station, Lafenwa Ogun SW
Promo Tower Obantoko A1 Memorial Car Wash, Adjacent Olg Pry School Somorin, Obantoko Ogun SW
Promo Tower Oke-Lewo 18B, Lalubu Street, Opp Vanguard Pharmacy Oke Ilewo Ogun SW
Wireless Polo Mall Enugu Polo Mall Enugu SE