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NSS Direct Loan: Steps To Get Up To GHS 1000 Loans Under 10 Minute

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Christopher Sam
Christopher Sam is a web designer, developer and has advanced knowledge in Search Engine Optimization, Responsive Website Design, Emails Marketing, BULK SMS Messaging, Schema Markup and a certified Google Trainer. He is a creator and editor at Hypercitigh.com, an online digital platform focusing on Credible and Timely news and in Ghana.
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Every year several ten of thousands of graduates are posted to various sectors as service personnel. These Service personnel are paid monthly allowances, Sometimes delay in the disbursement of monthly allowance by the national service scheme can be financially draining.

However, support from direct savings and loans can save a personnel throughout the long weekends from hunger, family problems and other stress. Direct Savings and Loans Ltd is an indigenous second tier banking institution, licensed by the Bank of Ghana.

What is NSS Loan ?

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NSS direct loan is a paperless, fast, easy, and convenient way by which National service personnel found within the subvented category can request for loans from Direct Savings and Loans Ltd. Interestingly, Applying for loans requires requires No processing fee, no penalty & no collateral from Service Persons. Personnel can Apply anywhere at anytime and their convenience.

NSS Direct Loan Short Code

*396*1# is the short code provided by the Direct Savings and Loans Ltd services for NSS and YEA Loan Application. The Short code guides a new registrant through the process of applying for loan.

Interest rate of NSS loan-*396*1#

The interest rate for the NSS Direct Loan is 6.5% Per month.

The requirement of NSS loan-*396*1#

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  • You have to be A newly posted National service Personnel
  • You have to be Registered and Validated National service Person
  • You have to be a National service personnel found within the Subvented Category. [Service Personnel found in the public sector]

Steps to register and apply for NSS Loan

In this article, hypercitigh.com will guide you through how to apply for the loan from Direct Savings and loan and get it on your Ezwich card fully loaded in 24 Hours.

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Time needed: 1 day, 2 hours and 3 minutes.

  1. Dial *396*1# to apply now

    Personnel are to Dial *396*1# to apply for loan from Direct Savings and Loans Ltd

  2. A popup message appears, select NSS

    Personnel are to select NSS from the popup menu by Pressing 1 on their Phone Keyboard.

  3. Enter NSS Number

    Personnel is required at this stage to enter their NSS number to continue (Example NSSGST1235346. Entering the NSS Number displays your NSS information such as Full name, Date of Birth, NSS Number, and Ezwich Number.

  4. A pop up appears with your NSS information

    Click on 1 to Accept to get your loan . Personnel are to note loan amount reduces every month.

  5. Receive PIN vis SMS

    After accepting to receive loan, a Pin will be sent to you via SMS, then you redial the Short code *396*1# to continue

  6. Verification of Sent PIN

    After redialing the short code *396*1#, you will be requested to enter the four digits pin sent you via SMS for verification

  7. Setup your personal PIN

    After you have successfully entered, the pin, you will be prompted to setup your own pin.

  8. Dial *396*1# Again

    After performing all the procedures outlined above, Dial *396*1# Again and follow the steps below to request an NSS loan using the Direct Savings and Loans Ltd

  9. Choose request loan

    Choose option 1 on your phone keyboard to request for loan from Direct Savings and Loans Ltd

  10. Specify loan Purpose

    At this stage, A personnel has to specify the purpose for loan request. Example: Education, Funeral, Medication, Personal.

  11. Enter loan Amount

    After Specifying loan Purpose, a pop message appears with a specified amount of money you are qualified to be given as loan. you can enter an amount that is between the specified amount.

  12. Confirm your repayment plan

    Select your Loan repayment (Number of months to pay back)

NB: Incase, you exit the process unknowingly, you can continue from where you left by entering *396*1#.


Aside from applying through the code *396*1#, Personnel can also apply by Calling  0302743300/WhatsApp 0577619776. the Direct Service Loan is one of a kind


After service personnel has been paid the loan into his or her Ezwich card,  he /she can check out our article here on how to load and withdraw from their Ezwich card at the bank. National Service personnel who needs home appliances can order one on hire from the NSS Marketplace. The January 2021 Allowance for National service Personnel has been paid, Find out here on how to withdraw your allowance.

How to Repay your NSS Loan

The loan amount would automatically be deducted from one’s Ezwich by the National service scheme on a monthly basis plus interest.

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Credit: Hypercitigh.com

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