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SmartCredit Education Loan for Nigerian Students

SmartCredit educational loan is an unsecured personal instalment loan provided by Standard Chartered bank designed to help you fulfill your dreams and live life to the max.

This loan can be used to pay college fees and living expanses. Students with the help of family and ferinds who have a full time job can apply for this loan.

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About the Standard Chartered Loan

Smart Credit loan offers a personal, unsecured loan to help you fulfil those dreams and live life to the full.

Whether to buy a car, pay school fees for a post-graduate degree or for home improvement needs, SmartCredit offers you a quick, convenient personal financing solution.


Borrow up to NGN 10 mn
Convenient monthly repayments for up to 72 months*
Credit life insurance in case of death so your relatives have no obligation to the bank Read More »

* Loans are granted at the sole discretion of Standard Chartered Bank, and only to customers who meet the eligibility criteria. Other terms and conditions apply.

* Terms and conditions apply.


Minimum net salary of NGN 50,000
Letter of confirmation from employer
Valid identification document

Documents Required

Signed application form
Bank statements for the last 3 months
Pay slips for the last 3 months
Copy of driver’s license, international passport, national ID or voter’s card
Copy of company or staff ID card
Marriage or birth certificate (where applicable)
Letter of undertaking from employer to domicile your salary with Standard Chartered Bank
Utility bills or address verification documents
Important Information Documents (IID)

Further Information and Application