With our AI-powered approval system, you can get approved for a loan in as little as 2 minutes. Once approved, funds are typically disbursed to your bank account within 5-10 minutes during business hours.

Basic requirements include: being a Nigerian citizen or resident, aged 18-65, having a valid bank account, regular source of income, and a working phone number. No collateral or guarantor required for loans up to ₦500,000.

New customers can borrow from ₦10,000 to ₦100,000 on their first loan. Creditworthy returning customers can access up to ₦1,000,000. Loan limits increase based on your repayment history and credit score.

Our interest rates start from 5% per month (60% APR) and vary based on loan amount, duration, and your credit profile. We offer some of the most competitive rates in Nigeria's digital lending market.

Absolutely. We use 256-bit SSL encryption, the same security standard used by major banks. Your data is protected with bank-level security, and we are licensed by the Central Bank of Nigeria (CBN) as a licensed financial institution.

We understand that circumstances can change. Contact us immediately if you anticipate payment difficulties. We offer flexible repayment options and can extend due dates for a small fee. Late payments may affect your credit score and future loan eligibility.

Yes! We offer business loans up to ₦2,000,000 for registered businesses, sole proprietors, and entrepreneurs. Business loans have competitive rates and flexible repayment terms designed for business cash flow.

Students can apply for education loans up to ₦200,000 with flexible repayment terms. Requirements include valid student ID, admission letter, or current semester registration. Student loans have discounted interest rates.