Our loan application process typically takes 24-48 hours for approval after all required documents are submitted and verified.

Required documents include: Valid ID, BVN, recent payslip, employment letter, bank statements, and passport photograph. Additional documents may be required based on loan type.

Yes, you can apply for most of our loan products online through our website. Simply fill out the application form and upload the required documents.

All Federal Government civil servants and paramilitary personnel on the IPPIS platform are eligible for our IPPIS loan products.

Minimum income requirements vary by loan type. For personal loans, the minimum monthly income is ₦50,000. For corporate loans, we assess based on business turnover and financial statements.

Yes, you can apply. However, we’ll assess your debt-to-income ratio to ensure you can comfortably service the new loan alongside existing obligations.

We offer flexible repayment options including salary deduction, direct debit, bank transfer, and standing order. The method depends on your loan type and preference.

We encourage immediate communication if you anticipate payment difficulties. We offer restructuring options and work with customers to find suitable solutions.

Yes, early repayment is allowed for most loan products. This can help reduce your total interest burden, though some products may have early repayment charges.

Interest rates vary by loan type: IPPIS loans at 3.5% annual flat, Personal loans at 5% reducing balance, Corporate loans at 7.5% monthly flat. Rates are subject to review.

Most of our loan products have fixed interest rates for the duration of the loan tenure, providing predictable repayment amounts.

Yes, processing fees apply to most loan products. The specific fee structure will be clearly communicated during the application process.