Personal Credit
Salary Credit
Borrow against your monthly salary and get cash for whatever you need, then pay it back in easy monthly instalments over a tenor that suits you.
Five financing products for salaried earners, contractors and growing businesses, applied for entirely online, with automated checks the moment you submit.
From payday advances to contract finance, every product is built for a real moment, for salaried earners, contractors and growing businesses alike.
Personal Credit
Borrow against your monthly salary and get cash for whatever you need, then pay it back in easy monthly instalments over a tenor that suits you.
Personal & Business
Generator, freezer, laptop, machinery. Get what your home or business runs on today, and spread the cost over easy monthly payments.
Business Credit
Up to ₦15 million to restock, cover salaries and expand, repaid on terms that match how your cash actually flows.
Personal & Business
Finance the car or work vehicle you need, drive it home now, and pay it off in easy monthly instalments while it earns for you.
Business Credit
Won the contract but your cash is tied up? We fund the supply against your confirmed LPO, so you deliver without draining your account.
Choose a predictable repayment schedule that aligns with your business cash flow, with no hidden fees and no surprise interest.
Repay the loan and fee in full when your buyer pays the contract invoice.
Predictable fixed monthly payments aligned with your business cash flow cycles.
No hidden charges. Every fee is shown before you accept.
Sign up and verify your identity with your BVN.
Pick the loan type and enter the amount you need.
Read-only link in 30 seconds. No PDFs, no bank visits, no stamped statements. Revoke anytime.
Once approved, funds are credited directly to your Capitalwise wallet.
