USSD Lending

Borrow Money
With Any Phone

No app. No internet. Dial *284*65# and get funds in minutes.

Dial *284*65# Now See How It Works
Any phone model No data needed 24/7 available
Product Overview

What is Sunlit-SE?

Sunlit-SE is a USSD lending product launched by Sunlit Loan, designed to provide accessible financial services for all mobile phone users. No app download required, no internet connection needed. Any phone model works - simply dial *284*65# to complete the entire loan application, approval, and disbursement process. We believe loans should not be limited by devices or network - Sunlit-SE brings financial services within reach.

Who It's For

Target Users

📱
Feature Phone Users
Still using non-smartphones that cannot install lending apps.
📶
Low-Coverage Areas
Unstable 3G/4G signal, but GSM network available.
💡
Data-Limited Users
Prefer not to consume data downloading large applications.
⚡
Efficiency-Focused Users
No complex registration flows or unnecessary permissions.
🏪
Micro-Businesses
Small merchants needing quick working capital for daily operations.
Why Choose Us

Core Highlights

01
No Download Required
No need to search, download, or install any application. No storage consumed, no data used. Dial the USSD code and the service starts instantly.
02
Works on Any Phone
Latest smartphones or discontinued feature phones - as long as GSM network calling is supported, Sunlit-SE works. Truly one phone, anyone can use.
03
Fast Approval, Quick Disbursement
Fully automated processing. Instant system approval after submission. Funds transferred to your mobile wallet (MTN Mobile Money, Airtel Money, etc.) right away.
04
Simple, Guided Steps
USSD menus present text options step by step. Clear guidance at every stage. Easy to complete even on first use.
05
24/7 Service
Sunlit-SE has no business hours. Early morning or late night, weekday or holiday - apply whenever you need.
Step by Step

How to Use

Complete a loan application in just a few steps

1

Dial *284*65#

Open your phone's dialer, enter the Sunlit-SE USSD code *284*65#, and press the call button.

Step 1 - Dial *284*65#
2

Select Loan

Choose the loan option from the menu that appears on your screen.

Step 2 - Select Loan
3

Enter Your Information

Follow the prompts to fill in the required information. The process is straightforward with clear guidance at each step.

Step 3 - Enter Information
4

Await Credit Assessment

The system automatically reviews your application. The fully automated process delivers results quickly.

Step 4 - Await Assessment
5

Confirm and Receive Funds

Confirm your loan details and funds will be transferred to your mobile wallet promptly.

Step 5 - Confirm and Receive
Security

Security & Privacy

Sunlit Loan takes user information security and privacy protection seriously. Sunlit-SE uses industry-standard encryption to ensure personal information and transaction data submitted through the USSD channel is effectively protected during transmission. Our commitments:

User information is used only for loan approval and service delivery

Strict compliance with applicable data protection laws and regulations

Personal information is not disclosed to third parties without user authorization

Important Notice

This lending service is designed to help users address short-term cash flow needs. Please borrow responsibly based on your actual repayment capacity and avoid over-indebtedness. Read and fully understand the loan contract terms, ensure timely repayment, and maintain a good personal credit record.

Get in Touch

Contact Us

For more information about Sunlit-SE or if you encounter any issues, contact us:

Customer Hotline
0707218195