1
Phase One
Select Product & Submit Details
Use our fast online wizard, WhatsApp our hotline, or visit our office. Fill in your basic identity, requested loan amount, preferred tenure, and purpose.
Online Wizard
WhatsApp Application
Walk-in Assistance
2
Phase Two
Identity & Credit Verification
Our experienced credit officers verify your government ID (NIN/Passport/Voter Card), bank statement, and confirm with your named guarantor. This usually takes under 24 hours.
NIN/ID Check
Bank Statement Review
Guarantor Confirmation
3
Phase Three
Offer Letter & Agreement Signing
Receive your official loan offer outlining the approved amount, monthly repayment calendar, total interest, and admin fee. You sign digitally or physically with zero hidden fees.
Clear Schedule
100% Transparent Terms
Signed Offer Copy
4
Phase Four
Instant Bank Disbursement
Funds are wired directly to your designated Nigerian bank account. You receive an SMS notification and loan tracker access on our borrower portal.
Direct Wire Transfer
Instant SMS Alert
Borrower Portal Active
Required Documentation Checklist
Ensure you have clear digital photos or photocopies of the following:
1. Personal Identity
- • Valid NIN Slip or Card
- • International Passport / Driver's License
- • 2 Recent Passport Photographs
- • BVN Confirmation
2. Proof of Income / Address
- • Recent Utility Bill (Electricity/Waste)
- • 3-Month Bank Statement
- • Payslip (Salary Earners)
- • Shop Photo / Trade Evidence (Traders)
3. Guarantor Profile
- • Guarantor Valid ID & Phone
- • Guarantor Address Evidence
- • Signed Guarantor Consent
- • Verifiable Relationship