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

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

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.

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.

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

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

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.

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.

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

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.