Personal Loan
Designed for individuals to handle personal expenses, bill payments, school fees, or house rental needs. No collateral or physical documentation required.
- Amount: ₦10,000 – ₦500,000
- Tenure: 91 – 180 Days
- Disbursal: Under 5 minutes
- Repayment: Monthly installments
Business Loan
Tailored for retailers, micro-merchants, and self-employed professionals needing quick working capital to replenish stock or expand operations.
- Amount: Up to ₦2,000,000
- Tenure: 91 – 180 Days
- Assessment: Simple business verification
- Repayment: Weekly or monthly plans
Emergency Loan
Designed to help you navigate unexpected situations like medical emergencies, repairs, or flash cash needs. Approved with high priority.
- Amount: Up to ₦200,000
- Tenure: 91 – 120 Days
- Processing: Instant automated scoring
- Repayment: Single bullet or flexible
Basic Eligibility Criteria
To ensure we provide credit responsibly and comply with the Central Bank of Nigeria (CBN) and FCCPC rules, applicants must meet the following criteria:
- Age: Must be between 20 and 55 years old.
- Residency: Must be a Nigerian citizen residing in Nigeria.
- Identity: A valid Bank Verification Number (BVN) is required to authenticate identity.
- Phone Number: Must have an active phone number linked to your BVN.
- Bank Account: An active account with a commercial bank or licensed digital microfinance bank in Nigeria to receive disbursements.
- Income: An regular source of income (salary or retail business receipts) to ensure repayment capability.
Repayment Information
We believe in transparent terms. Repayment can be completed conveniently through multiple digital channels without visiting a bank branch:
- Direct Bank Transfer: Make a bank transfer to the dedicated virtual bank account number assigned to your loan application.
- Debit Card Binding: Securely link your Nigerian debit card in the app for automatic, hassle-free repayments on the due date.
- USSD Transfer: Use your bank's USSD code directly from your phone to complete your payment.
*Note: Late repayments attract penalty charges, and overdue accounts will be reported to registered Credit Bureaus. Please borrow responsibly and ensure you pay on time to grow your credit limit.