How to apply a National Service Scheme (NSS) loan 2022.
This page provides step-by-step instructions on how to apply for a National Service, NSS Loan using the short code *396*1#.
The key issue here is that you are not guaranteed payment at the end of the first month as a National Service Personnel. In most cases, if this occurs, a loan will be required. A few years ago, it was difficult to get a loan as an NSS employee since you may not have matched the criteria set out by the bank.
Applying for a loan while serving in the National Service is not humiliating since most guardians believe their responsibilities ends when you graduate from higher education and are left to fend for yourself. National Service Scheme (NSS) loan 2022
How to apply for a loan under the National Service Scheme (NSS).
The issue becomes worse if you are not assigned to an area that offers free accommodation since you will have to pay rent and spend money on items like a mattress and other needs.
Applying for a loan via NSS Direct Service Loan is feasible for sums between GHS 100 and GHS 2,200. You may complete this simple loan application step on your phone.
The loan will be sent to your E-zwitch card and deducted each month if you apply for one via the Direct Amount Service with NSS. It’s crucial to understand that direct service loans do not include processing or collateral expenses.
Application for National Service Scheme Loan

Direct Savings and Loans
The Bank of Ghana has granted a license to Direct Savings and Loans Ltd, an indigenous second-tier banking company. Express Capital Microfinance Ltd, which was established on June 19, 2012, and was in business from July 2012, served as the company’s name until June 6, 2017. The company’s primary business is offering financial services to micro, small, and medium-sized firms (MSMEs), market women, salaried employees, and independent contractors.
Direct Service: *396*1 NSS Loan Conditions
As a National Service Person, you must satisfy the following requirements in order to be eligible for a loan:
- Must have just been hired as a member of the national service.
- You must be a National Service employee who has been authorized and registered.
- You must be someone who is compensated by NSS. Must fall under the Subvented group, therefore.
Interest Rate of Direct Service *396*1# Loan for NSS
The direct service NSS loan has a monthly interest rate of 6.5 percent. Clearly, this rate is lower than what other banks or lending institutions charge. National Service Scheme (NSS) loan 2022.
- Dial *396*1# on your phone.
- You will be provided with two options; NSS and YEA. Choose 1 for NSS.
- Enter your NSS number which will be in the form NSSGCC1234567. After entering your NSS number your personal details will be displayed on your screen, which includes; your name, date of birth NSS and E-zwitch number.
- Confirm by choosing 1.
You will receive an SMS which comes with a verification code. Take note of the code and Dial the code *396*1# again. - Enter the pin and set up your own four digits pin.
- Dial the code *396*1# again.
- Choose request loan.
- State the reason why you are requesting the loan. You can choose for medication, personal, accommodation etc.
- Enter the loan amount.
- Confirm your request and repayment plan.
How is the NSS Loan paid?
Following a successful application, loans are disbursed to National Service Personnel’s E-Zwich Card. All you need to do is visit your nearest bank and withdraw your funds.
How is the NSS Loan deducted or repaid?
The NSS loan deduction is made automatically when you receive your NSS monthly allowance, based on the deduction or repayment plan you chose and agreed to with the *396*1# Direct Service.
Contact Number for NSS Direct Loan on WhatsApp.
Additionally, you may make a loan request using the Direct Loan Service WhatsApp number. The Direct Loan WhatsApp number is 0577619776.
Direct National Service Scheme Loan FAQs:
How to Apply for a National Service Scheme Loan
Following are some of the most typical queries about the Direct NSS Loan Service:
National Service Scheme (NSS) loan.
When will I get my money after being approved for a Direct NSS Loan?
A: The money from the Direct NSS Loan is released in 24 hours.
Can a service member who has completed their service apply for a loan?
A: The direct service loan does not expire until after the National Service time.
Will service personnel get a text message informing them of a successful deduction once it has been made?
A: No, service personnel must use the short code *396*1# to verify their loan balance.
NSS Loan Short Code
A: Use the short code *396*1#. National Service Scheme (NSS) loan 2022
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