Pick a loan type
Choose from business, cooperative, salary, personal or housing options that match your need.
Simple applications, clear costs and fast decisions. Apply in our office and get funds in 24 to 72 hours after verification.
Choose from business, cooperative, salary, personal or housing options that match your need.
Tell us the amount you need and we’ll show the range you’re eligible for.
Pick weekly or monthly repayment terms that suit your cash flow and income cycle.
Submit documents, complete quick checks and get a decision. Approved applicants receive funds once verification is done.
Pick the loan product you need, visit our branch, submit the required documents, complete verification and accept the terms.
We offer Business loans, Cooperative loans, Individual personal loans, Salary backed loans and Housing and property finance. Each product has different amounts, tenors and eligibility rules to suit different needs.
At minimum you must be of legal age, show proof of means to repay through income or business activity, and provide the requested documents. Specific checks depend on the loan you choose.
Sometimes. Guarantors or collateral may be required depending on the loan type and amount. Salary loans often use payroll deduction as the repayment guarantee and may not need an external guarantor.
Document requirements vary by product. Typical documents include a valid ID, BVN, recent bank statement, proof of address and passport photo. Business loans may ask for business registration or evidence of trade. Salary loans may require an employer letter or pay slip. Housing loans need property documents and valuation.
Eligibility depends on the loan type but generally you must be an adult with verifiable income or a running business, have a BVN and the required identification documents, and meet any product specific requirements.
Document requirements vary by product. Typical documents include a valid ID, BVN, recent bank statement, proof of address and passport photo. Business loans may ask for business registration or evidence of trade. Salary loans may require an employer letter or pay slip.
Representative interest rates range from 20% to 30% depending on the product, tenor and verification outcome. The exact rate and any fees are shown to you before you accept the loan offer.
Approval time varies by product and the documents provided.
If a repayment is missed it becomes delinquent. Contact us as soon as you can so we can discuss options. Continued missed payments may lead to late fees, collection activity by our field teams or authorised agents, and it can affect your future borrowing. We always try to agree a workable solution before taking further steps.
Possibly. If you are struggling to repay get in touch so we can review your case. Restructuring is considered when repayment is realistic under a new plan and approval is given by our credit team. Restructures may be subject to conditions or fees and require updated documentation.
