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Is Stanbic IBTC Bank Overdraft Suitable For You

You can have access to a revolving overdraft with a credit limit equivalent to half the value of your monthly salary. The loan is revolving and can be used over and over again when you need money. It's renewable after 12 months.

The benefit is that if you don't use it you don't pay for it. You pay monthly interest only on the amount you use.
Another benefit is that you can decrease your limit whenever you want or ask for it to be increased.
One more benefit is that there is no need for you to reapply for a loan when you need cash.

To be eligible to apply, you will need to provide a letter from your employer confirming and undertaking to domicile your salary.
You will need bank statements showing your salary deposit over six consecutive months.
You will need a proof of your address, eg. recent utility bill.
You will need an identification in the form of your current international passport, driver's license or national ID card. Foreign nationals must provide their resident permit.



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