Loan Application

Let’s find the right loan for you

Tell us who is borrowing, then choose the product or facility you need. Your progress is saved as you go.

Step 1 · about two minutes

Verify your identity with your NIN, BVN and a photo

We create your account from your NIN record, so you don’t have to type your details.

Verify my identity

Selected

Personal Loan

Maximum loan₦3,000,000

Repay over1–12 months

GuarantorRequired

Who it is forIndividuals with an identifiable and regular means of income.

Recommended collateralPost-dated cheque, standing payment order (Remita) or third-party guarantee

Selected

Salary Advance

Maximum loan₦3,000,000

Repay over1–3 months

GuarantorRequired

Who it is forSalary earners whose employment is confirmed and who are paid regularly by a reputable employer.

Recommended collateralPost-dated cheque, standing payment order (Remita) or third-party guarantee

Selected

Asset Finance / Lease

Maximum loan₦5,000,000

Repay over3–24 months

GuarantorRequired

Who it is forIndividuals buying an asset.

Recommended collateralFixed charge or joint ownership of the asset, post-dated cheque, standing payment order (Remita), third-party guarantee or insurance policy

Selected

School Support Loan

Maximum loan₦10,000,000

Repay over1–12 months

GuarantorRequired

Who it is forParents and guardians.

Recommended collateralTangible asset (for higher amounts and longer tenors), post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

Travel & Tourism Loan

Maximum loan₦5,000,000

Repay over1–12 months

GuarantorRequired

Who it is forIndividuals who are travelling.

Recommended collateralDeposit of ticket or travel document, post-dated cheque, standing payment order (Remita), third-party guarantee or letter of undertaking

Selected

Working Capital

Maximum loan₦10,000,000

Repay over1–12 months

GuarantorRequired

Who it is forNon-trading businesses that generate cash flow from their operations.

Recommended collateralTangible asset (for higher amounts and longer tenors), credit insurance, post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

Stock / Trade Finance

Maximum loan₦10,000,000

Repay over1–6 months

GuarantorRequired

Who it is forSmall and medium businesses trading in fast-moving consumer goods.

Recommended collateralTangible asset (for higher amounts and longer tenors), stock hypothecation, credit insurance, post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

LPO Financing

Maximum loan₦10,000,000

Repay over1–6 months

GuarantorRequired

Who it is forBusinesses that supply goods to credible companies.

Recommended collateralTangible asset (for higher amounts and longer tenors), post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

Invoice Discounting

Maximum loan₦10,000,000

Repay over1–3 months

GuarantorRequired

Who it is forBusinesses that supply goods or carry out contracts for credible companies.

Recommended collateralTangible asset (for higher amounts and longer tenors), post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

Asset Finance / Lease – Business

Maximum loan₦5,000,000

Repay over3–24 months

GuarantorRequired

Who it is forSmall and medium businesses buying an asset.

Recommended collateralFixed charge or joint ownership of the asset, post-dated cheque, standing payment order (Remita), third-party guarantee or insurance policy

Selected

School Support Loan – Schools

Maximum loan₦10,000,000

Repay over1–12 months

GuarantorRequired

Who it is forRegistered schools.

Recommended collateralTangible asset (for higher amounts and longer tenors), post-dated cheque, standing payment order (Remita) or third-party guarantee

Loans above ₦5,000,000 must be secured by tangible collateral (vehicles, investment certificates, quoted stocks or real estate).

Selected

Travel & Tourism Loan – Agents

Maximum loan₦5,000,000

Repay over1–12 months

GuarantorRequired

Who it is forTravel and ticketing agents and firms.

Recommended collateralDeposit of ticket or travel document, post-dated cheque, standing payment order (Remita), third-party guarantee or letter of undertaking

Have these ready

Takes about 10 minutes