How to apply for a loan

One process for every loan type. Most applicants finish in under ten minutes, entirely from a phone. Here is each step, and exactly what to have ready.

Pick your loan type

Serving corps member? Start with an NYSC loan or corper loan. Salary earner on Remita or government payroll? See Remita loans and FG loans. Running a business? Go to business loans.

Check your eligibility (2 minutes)

Answer a few questions about your NYSC status, salary or business income. This is free, does not commit you to anything, and does not affect your credit record. You get an instant indication of what you could qualify for.

Upload your documents

Photograph or upload your ID and supporting documents straight from your phone (see the checklist below). Verification typically completes within [24 hours — confirm real figure].

Review your offer — read everything

Your offer shows the loan amount, monthly instalment, total repayment, tenure and every fee. Use the calculator to sanity-check it. Nothing is deducted and nothing is owed until you accept.

Accept and get funded

Accept the offer, authorise the repayment mandate, and funds are sent to your bank account. Repayments then run automatically from your allowance or salary until the loan closes.

Eligibility checklist by loan type

NYSC / Corper loans

Valid NYSC ID · call-up or posting letter · allowance paid into your own account · BVN + valid ID · enough service months left for the tenure

Remita / Federal Government loans

Work ID · salary via Remita/IPPIS or verifiable payroll · last [3–6] months payslips · BVN + valid ID · sufficient time to retirement or contract end

Business loans

Trading for [6+] months · bank statements, POS or marketplace records · BVN + valid ID · CAC certificate for larger amounts · proof of business address

Minimums in brackets are placeholders — [confirm real criteria with the lender before publishing]. Checking eligibility never costs anything; anyone charging an upfront fee to "process" your loan is a scam.

Ready when you are

Apply in the app, or reach a real person if you would rather talk it through first.

Apply in the app ▶Talk to us first