FAQ

Our loan solutions are available to eligible individuals, salary earners, entrepreneurs, SMEs, corporate organisations, contractors, schools, and other qualified borrowers who meet our credit requirements.

The amount you can access depends on your financial profile, repayment capacity, and the loan product selected. Every application is assessed individually to ensure responsible lending.

Requirements typically include a valid means of identification, BVN, proof of address, recent bank statements, proof of income or business records, and any additional documents relevant to your chosen loan product.

Once all required documents have been received, applications are assessed promptly, and approved facilities are disbursed within our standard turnaround time.

Interest rates vary depending on the loan product, facility amount, repayment tenor, and credit assessment. Our team will provide a clear breakdown before you accept any offer.

Collateral requirements depend on the type and size of the facility. Some products may require guarantees, income domiciliation, or other acceptable forms of security, while others may not.

We offer flexible repayment options designed to match your cash flow. Repayment methods are clearly stated in your loan agreement.

Yes. Early repayment is permitted, subject to the terms of your loan agreement, and may reduce your outstanding obligations where applicable.

Where genuine financial challenges arise, requests for loan restructuring or rescheduling may be considered after a review, subject to our credit policy.

You can apply by visiting any of our offices, contacting a Relationship Manager, or submitting an application through our approved digital channels.

We offer carefully designed savings and investment solutions that help individuals and businesses grow their funds while meeting their financial goals. Our team will recommend the product best suited to your needs.

Protecting our customers’ funds is a top priority. All customer funds are managed in accordance with our internal governance framework, risk management policies, and applicable regulatory requirements.

Your principal and any applicable returns are paid in accordance with the agreed product terms at maturity. Where early withdrawal is permitted, it will be treated in line with the applicable terms and conditions.

Generally, you will need a valid means of identification, BVN, proof of address, passport photograph, and other Know Your Customer (KYC) documents required by regulation.

Our Customer Experience Team is available to assist you through our offices, telephone, email, Relationship Managers, and official digital platforms. We are committed to providing prompt, professional, and reliable support whenever you need us.