How It Works

  • Login with OTP

    Download the app and log in with your active phone number. You’ll receive a one-time password (OTP) via SMS to verify your identity.

  • Complete Your Profile

    Fill in your personal and financial details, including your full name, BVN, employment type, income range, and bank account. This helps us assess your profile and personalize your loan offer.

  • Get a Loan Offer

    Based on your submitted information and credit assessment, the system automatically generates a loan offer with a suggested amount and repayment term. Review the terms and choose to proceed.

  • Quick Approval

    After you accept the offer, the system instantly reviews and approves your loan. Most users receive a decision in under 2 minutes.

  • Receive Loan in Your Bank

    Once approved, the loan amount is disbursed directly to your bank account. No paperwork or physical visit is needed.

  • Repay On Time

    Repay your loan by or before the due date through the app. Timely repayment builds your credit history and unlocks higher future loan limits.