IPPIS Loan for Federal Workers 2023: Code, Eligibility & Application

If you are a federal government worker or civil servant in Nigeria, you may have experienced times when your salary is delayed, leaving you in need of urgent cash. Fortunately, the Integrated Personnel and Payroll Information System (IPPIS) has come to the rescue, offering easy financial assistance through its loan scheme for federal workers. In this blog post, we will guide you through the process of accessing an IPPIS loan, including eligibility requirements, application procedures, and the benefits it offers.


What is IPPIS Loan for Federal Workers?

IPPIS, introduced in Nigeria in 2007, is a system designed to manage the payment of salaries and wages for government employees. Over the years, it has evolved to offer various services, including a loan program that provides low-interest loans to federal workers.

Eligibility Criteria for IPPIS Loan:

To be eligible for an IPPIS loan, federal workers must meet certain criteria, including enrollment in the IPPIS scheme, a stable source of income, and adherence to other requirements. These include having a functional salary account, no history of loan repayment defaults, and meeting the specified age limit.

Application Requirements for IPPIS Loan:

To apply for an IPPIS loan, you will need certain documents, though the process is not overly strict. The necessary documents include your IPPIS number, salary payslip, bank statement of account, Bank Verification Number (BVN), valid National ID card, employment/deployment letter or confirmation, and a work ID card.


Steps to Apply for IPPIS Loan for Federal Workers:

Applying for an IPPIS loan is a straightforward process. Here are the steps to follow:

  1. Check Eligibility: Verify your eligibility on if you receive your salary through Remita.
  2. Obtain the IPPIS Enrolment Form: Download the application form from the IPPIS website or get it from your department’s office.
  3. Fill Out the Form and Provide Required Documentation: Complete the application form with accurate information and attach the necessary documents.
  4. Submit the Form: After filling out the application form, submit it along with the required documents and wait for loan approval.

IPPIS Loan Codes:

Contrary to popular misconception, there is no specific IPPIS code to apply for a loan. What some people mistake for a code is the IPPIS number, which is obtained after enrolling in the IPPIS scheme.

IPPIS Loan Repayment Plans:

IPPIS loan repayment is done through monthly deductions from the borrower’s salary. The repayment period typically ranges from 6 to 12 months, depending on the loan amount and the agreement between the borrower and the lender. Repayment through salary deductions makes it convenient for borrowers to repay the loan without defaulting.

Benefits of IPPIS Loan:

The IPPIS loan for federal workers offers several benefits, including low-interest rates, an easy application process, fast disbursement, and flexible repayment plans. These benefits make it an attractive option for federal workers seeking financial assistance.



The IPPIS loan scheme is a valuable resource for federal government workers in Nigeria, providing them with quick and convenient access to funds during times of financial need. By meeting the eligibility criteria and following the simple application process, civil servants can benefit from low-interest loans to address their financial challenges.

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