Personal Credit
Borrow against your monthly salary for whatever life brings, from school fees to an emergency, and pay it back in small instalments over a tenor that suits you.
How it works
No branch visit. If you earn a salary, your BVN, your salary account and two guarantors are most of what we need.
Tell us how much you want to borrow and choose a repayment plan that fits.
We verify your pay and employer quietly in the background, with no calls to your office.
Cash lands in your wallet. Pay each instalment yourself in the app, or let it settle from your wallet on each due date, until the loan is cleared.
Move the sliders to see the monthly repayment at our published rate.
You repay each month
₦105,833.33
for 6 months at 4.5% flat a month
An estimate at today's published rate. Your own terms are confirmed in the app once we have reviewed your application, and there is no penalty for paying early.
The deal, plainly
What you’ll bring
That’s the whole list. No branch visits, no stamped statements.
Why it fits
Get cash for what you need now, based on the salary you already earn.
Pay each instalment yourself in the app, or let it settle from your wallet on the due date.
A steady salary and clean repayments raise what you can borrow.