FAQ

• How long does the application process take?

  The process takes a few minutes.Just fill in the information as prompted on the page, and we will give the approval result in real time.

• How to repay the loan?

  We've made it as easy as possible for you to repay your loan . Here are ways of paying the loan.
  1. We will auto debit due amount at repayment date direct from your bank card . Make sure the card has sufficient balance before due date.
  2. You can pay via the App by clicking the "Repay" button.

• Don't know your own BVN?

  Just dial *565*0#. Please note: This will only works if you are making the request from the same phone number currently linked to your bank account.

• How do we decide whether to give you a loan or not?

  We use data from your phone including your handset details and financial transaction messages, and your reason for borrowing. We combine these together with your loan repayment history to build an individualised credit score and determine the suitable loan offer for you.

• Why the interest rate is different?

  The rate will be different ,it depends on your credit evaluation and product loyalty. pls keep using our product and fill in more information about yourself.

• What happens if I pay my loan late?

  Late loan repayments automatically incur a rollover interest of 1% per day.It is therefore advised that one does not exceed the repayment period. Furthermore, this could reduce your future borrowing credit score.
  You may be granted a grace period of 1to 3 days post-due date, during which rollover fee will not be accrued or collected. If the overdue is still not paid after the grace period is over, the rollover fee will be charged for the entire period of delay, including the initial 1 to 3 days of the grace period.
  NB: If You have multiple installments under a single loan, and the first installment remains unpaid beyond its due date, You will not be granted a grace period for subsequent installments upon their due date