Quick loans for private sector workers.
Instant loans of up to ₦20,000,000 — with no collateral, no guarantor, and repayment terms that actually work for your salary. From application to disbursement in under five minutes.
Average approval: 4m 12s Based on applications last month
Smart loans for your real life.
Built for the Nigerian private sector worker. Everything about our loan is shaped around how you actually earn and spend.
Up to ₦20 million
Based on your net salary and credit history. No collateral required.
24-month repayment
Choose tenors between 3 and 24 months. Fixed rate, fixed monthly payment.
No guarantor needed
We don't ask for your uncle's signature. Your salary is your guarantor.
Top-up while running
Already paying a loan? Once you're eligible, top up from your dashboard.
Early repayment at zero cost
Pay off early and save on interest. We'll never charge you for doing the right thing.
Direct to your bank
Funds land in your Nigerian bank account immediately after approval.
What you need to qualify.
Simple, transparent requirements. If you meet these, you're almost certainly eligible — and if you're not sure, apply anyway. Our system decides in seconds.
Eight simple things.
- ✓Be between 22 and 59 years old.
- ✓Must have received salary for a minimum of 6 months.
- ✓Must have a current or savings account with a Nigerian commercial bank.
- ✓Hold a staff ID card from your employer.
- ✓Valid ID — International Passport, Voter's Card, Driver's License, BVN or NIN.
- ✓Good credit history within the last 2 years.
- ✓Minimum net salary income of ₦100,000.
- ✓Set up a repayment instrument — active debit card or direct debit.
How to get a personal loan.
From sign-up to disbursement, the entire flow fits inside a lunch break.
Create account
Sign up with your email and phone number. Verify in under 2 minutes.
Request a loan
From your dashboard, enter how much and for how long.
Doc review & underwriting
Fill in our quick KYC form. We check eligibility instantly.
Get funded
Funds are disbursed straight to your bank account.
Get started by filling this form.
A member of our team will review your application and reach out within 24 hours. Most approvals are instant.
Know more about personal loans.
Everything you need to know before and after your application. Still have questions? Our support team is available round the clock.