Getting an IPPIS Loan in Nigeria should be one of the easiest processes ever.
If you have ever tried getting a loan from a bank or other lending organization, you know how time-consuming and challenging it can be.
From gathering stacks of financial documents to filling out multiple pages of loan application forms and waiting weeks for approval — who has time for all that?
But thanks to the increasing adoption of technology by the financial sectors, and in the country as a whole, you can now access instant online loans that are collateral-free within 24hrs or just a few minutes.
If you are working in government, this is even more good news for you. In this guide, I am going to show you how to get up to 1 million naira in loans as a federal worker in Nigeria in less than 24 hours.
Are you eligible for a IPPIS loan? Check here: remita.saha.ng
Ok, Let’s dive right in.
What is IPPIS?
IPPIS is a program aimed to centralize and organize a database system with all the needed employee information for proper work in the Nigerian Public Service. This is to improve the effectiveness and efficiency of payroll administration for its Ministries, Departments, and Agencies.

IPPIS Meaning
The full meaning of IPPIS is Integrated Personnel and Payroll Information System.
IPPIS allows for easy payment of salaries to the Government workers’ bank accounts with suitable remittances and deductions of third-party payments, such as:
- Administrator of Pension Fund
- Service of Federal Inland
- Bank Loans
- Cooperative Societies
- Revenue Association Dues
- The Fund of National Housing
- Trade Unions Dues
The Federal Civil Service through several channels has invited all its workers to update their records online through the registration portal of the Integrated Payroll and Personnel Management System (IPPIS).
If you have a verified IPPIS number and you collect your salary through REMITA, then you can proceed to apply for any loan at our bank.
How to Get IPPIS Loan
- Check if you are eligible on remita.saha.ng
- Download the SAHA App
- Apply for Payday Loan
Requirements for IPPIS Loan in Nigeria
- IPPIS number
- Payslip
- Bank statement of account showing his/her net pay.
- Employment / Confirmation / Deployment Letter is required
- Bank Verification Number
- Valid National ID card
- Work ID card
If you fulfill any of these requirements and have provided the relevant documents, our internal credit officers will review your application within 24 hours.
If your loan is approved, it will be credited to your account immediately. If it is not, then one of our internal credit officers will call you to rectify the problem.
Please note that Repayments are made directly as deductions from your company salary account on the agreed payment date(s).
Are you credit-worthy?
To be awarded any loan, your bank or lending company will have to evaluate you and determine if you will be able to repay your loan.
Your creditworthiness is determined by several factors including:
- your repayment history for any previous loan
- If you have another existing loan with another bank or lending company
- your income compared to the loan amount and repayment duration
- your guarantors’ capability of taking responsibility for your loan
Your creditworthiness is important because it will determine whether you get the loan you applied for.
But that’s not all.
The more creditworthy you are, the better it is for you because your loan application is approved faster compared to a poor creditworthy person.
At GTI Microfinance bank, we offer salary earners access to loans up to 3 times their monthly take-home salary with repayments spread over 3 – 12 months.
This loan offer is available to both the federal government, state government, and private-sector workers.
